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| Loan Rates |
Effective as of 7/01/08 |
| New Auto & Motorcycle |
Term |
APR
As Low As |
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24 Months |
5.24% |
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36 Months |
5.74% |
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48 Months |
5.99% |
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60 Months |
6.24% |
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72 Months |
6.49% |
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84 Months |
6.74% |
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Up to 100% financing, .25% discount for 10% down, .50% discount for 20% down. 72 month term available only on loans over $25,000. 84 month term available only on loans over $35,000.
Payment Example
$1000 financed at 4.99% for 24 months = $43.87/month |
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| Used Auto & Motorcycle |
Term |
APR
As Low As |
|
| 1 - 5 year old vehicles |
24 Months |
5.24% |
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36 Months |
5.74% |
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48 Months |
6.24% |
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60 Months |
6.49% |
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72 Months |
6.74%
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| 6 - 10 year old vehicles |
36 Months |
7.99% |
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48 Months |
8.24% |
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Up to 100% financing, .25% discount for 10% down, .50% discount for 20% down. Loans up to NADA Retail Value. 60 month term available only on loans over $10,000. 72 month term available only on loans over $15,000.
Payment Example
$1000 financed at 4.99% for 24 months = $43.87/month |
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| Signature |
Term |
APR
As Low As |
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6-24 Months |
9.50% |
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36 Months |
11.00% |
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48 Months |
12.00% |
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60 Months |
13.00% |
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Borrow up to $15,000 for personal needs.
Payment Example
$2,500 financed at 7.95% for 24 months = $113.01/month |
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| Student Tuition |
Term |
APR
As Low As |
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9 - 12 Mos. |
6.95% |
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Borrow up to $15,000 for school tuition.
Payment Example
$1000 financed at 6.95% for 9 months = $114.35/month |
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| Share Secured |
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APR
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4.00% |
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| Borrow against funds in your regular share account. |
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| Share Certificate Secured |
APR |
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| Certificate Rate plus |
2.0% |
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| Borrow against funds in your share certificate. |
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| Home Equity Line of Credit |
APR |
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| Adjustable Rate |
8.25% |
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Up to 100% Loan to Value.
Credit card and check access to your line. |
| Based on the Wall Street Journal Prime Rate. Rates are subject to change. The maximum annual percentage rate that may be applied is 18%. |
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| Home Equity |
Term |
APR
As Low As |
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60 Months |
6.50% |
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120 Months |
7.00% |
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180 Months |
7.75% |
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Borrow on the equity in your home.
Up to 100% Loan to Value.
Payment Example
$1000 financed at 6.25% for 60 months = $19.45/month |
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| 1st Mortgages |
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| Please call 800-361-1631 for current rates. |
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| Call 800-366-6041 to pre-qualify or log on to: http://cu.homeloan.cu.com |
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| Land Loans |
Term |
APR
As Low As |
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120 Months |
7.00% |
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180 Months |
7.50% |
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Purchase acreage or raw land. Up to 80% Loan to Value.
Payment Example
$1000 financed at 6.75% for 120 months = $11.48/month |
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| New Boats, 4 Wheelers, Jet Skis, Lawn Tractors |
Term |
APR
As Low As |
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36 Months |
5.75% |
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48 Months |
6.25% |
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60 Months |
6.75% |
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72 Months |
7.25% |
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Up to 100% financing, .25% discount for 10% down, .50% discount for 20% down.
Payment Example
$1000 financed at 5.75% for 36 months = $30.31/month |
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| Used Boats, 4 Wheelers, Jet Skis, Lawn Tractors |
Term |
APR
As Low As |
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| 1 - 8 year old models |
36 Months |
7.75% |
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48 Months |
8.25% |
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60 Months |
8.75% |
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Up to 75% financing, maximum term for 9 year old models and older is 48 months.
Payment Example
$1000 financed at 7.75% for 36 months = $31.22/month |
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| Personal Computer |
Term |
APR
As Low As |
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18 Months |
8.75% |
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24 Months |
9.00% |
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30 Months |
9.25% |
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36 Months |
9.50% |
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Finance the purchase of a new PC, 90% financing.
Payment Example
$1000 financed at 8.50% for 18 months = $59.37/month |
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| MasterCard |
Type |
APR |
Promotional Rates as low as 2.99%
Call 1-800-820-8417
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New Motor Homes &
Travel Trailers |
Term |
APR
As Low As |
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60 Months |
6.75% |
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84 Months |
7.75% |
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120 Months |
8.75% |
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Up to 100% financing, .5% discount for 20% down.
Payment Example
$1000 financed at 6.75% for 60 months = $19.68/month |
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Used Motor Homes &
Travel Trailers |
Term |
APR
As Low As |
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60 Months |
9.25% |
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84 Months |
10.25% |
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120 Months |
11.25% |
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Up to 80% financing.
Payment Example
$1000 financed at 9.25% for 60 months = $20.88/month |
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APR = Annual Percentage Rate. Loans granted on approved credit. Rates, terms and loan limits determined by credit criteria. Rates are subject to change. Call for current rates. .25% discount on all loans (except VISA, Home Equity, & 1st Mortgage) with automatic draft or payroll deductions from a Breco Checking Account! We'll refinance your loan from anywhere else at a 1% lower rate for the remaining term of the loan! (Except 1st Mortgages & Credit Cards. There may be fees on some loans. Minimum rates apply).
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| Deposit Rates |
Effective as of 7/01/08 |
| Regular Shares, IRAs and Christmas Club |
Dividend Rate |
APY |
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1.00% |
1.00% |
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| Rate paid during last quarter. Dividends declared at end of each quarter. Must maintain minimum average balance of $25.00 to earn dividends. |
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| Checking Accounts |
Dividend Rate |
APY |
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0.50%
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0.50% |
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| No monthly service charge, no per check fee, direct deposit available, free debit card. Must maintain average daily balance of $100.00 to earn dividends. |
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| Term Share Certificates & IRAs - $500 Minimum |
Dividend Rate |
APY |
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| 6 Months |
2.75% |
2.78% |
| 12 Months |
3.00% |
3.04% |
| 18 Months |
3.00% |
3.04% |
| 24 Months |
3.00% |
3.04% |
| 36 Months |
3.00%
|
3.04% |
| 48 Months |
3.00% |
3.04% |
| 60 Months |
3.00% |
3.04% |
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| Penalty may be imposed for early withdrawal on certificates. |
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| Term Share Certificates & IRAs - $10,000 Minimum |
Dividend Rate |
APY |
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| 6 Months |
2.85% |
2.89% |
| 12 Months |
3.10% |
3.14% |
| 18 Months |
3.10% |
3.14% |
| 24 Months |
3.10% |
3.14% |
| 36 Months |
3.10% |
3.14% |
| 48 Months |
3.10% |
3.14% |
| 60 Months |
3.10%
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3.14% |
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| Penalty may be imposed for early withdrawal on certificates. |
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| APY = Annual Percentage Yield. Rates subject to change without notice. Call for current rates. |
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