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MCR & GAP Calculators
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Rates
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Deposit Rates
Effective Date: 02/17/2010
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| Account Types | Dividend Rate | Annual Percentage Yield | | Share/Savings Account/Club Accounts | .25% | .25% APY | | Individual Retirement Account | 1.65% | 1.67% APY | | Checking Accounts | | Bronze Checking | 0.00% | 0.00% APY | | Liberty Checking | 0.00% | 0.00% APY | | Silver Checking | 0.30% | 0.30% APY | | Gold Checking | 0.70% | 0.70% APY | | Money Market Accounts -- Rates are subject to change monthly. | | Balances of $2000 - $4999 | .75% | .75% APY | | Balances of $5000 - $9999 | 1.00% | 1.00% APY | | Balances of $10,000 + | 1.25% | 1.26% APY | | Share Certificates | | 6 month, $500 min. deposit | 1.25% | 1.26% APY | | 12 months, $500 min. deposit | 1.70% | 1.71% APY | | 24 months, $500 min. deposit | 2.25% | 2.27% APY | | 36 months, $500 min. deposit | 3.00% | 3.04% APY | | 48 months, $1000 min. deposit | 3.25% | 3.30% APY | | 60 months, $1000 min. deposit | 3.50% | 3.56% APY | | Jumbo Share Certificate | | Any Term, $50,000 min. deposit | .10% above market rate | - | | Bump-it-Up Share Certificate | | 24 months, $2000 min. deposit | 1.75% | 1.76% APY | | MoneyTree | | 12 months, $50 min. deposit | 1.70% | 1.71% APY | | | | | | NEW! Odd-term share certificates | | 18 months, $500 minimum deposit | 1.80% | 1.81% APY | | IRA Share Certificates | | IRA Share Certificates, terms same as regular share certificates, minimum opening deposit $1,000 up to and including 36 months, $2,500 for 48, 60, and 24 month Bumpable terms | | Same as regular share certificates |
All rates are subject to change without prior notification.
Contact us for current rates, fees and other terms that may apply to our accounts at (800) 532-0223 or (915) 592-0223.
The APY Annual Percentage Yield figure assumes the principal and earned dividends remain on deposit
until maturity.
Fees may reduce earnings. There is a penalty for early
withdrawal.
All IRA account types include Traditional and Roth IRAs.
* Minimum balance to open a Bronze or Liberty checking account is $20.00 no daily minimum balance required.
** Minimum balance to open a Silver Bell checking account is $100.00 and maintain a $1000
minimum daily balance.
*** Minimum balance to open a Gold Bell checking account is $500.00 and maintain a $2500 minimum daily balance.
$2000.00 Minimum balance on Money Market Account to earn stated APY Annual Percentage Yield.
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Loan Rates
Effective Date: 02/17/2010
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| Loan Type | Annual Percentage Rates | | New and Used Autos / Motorcycle | | 0 - 60 Months | 3.99% - 13.75% APR | | 67 - 72 Months | 6.00% - 13.75% APR | | 73 - 84 Months | 6.25% - 14.00% APR | | New and Used Recreational Vehicle | | Up to 66 mos | 6.00% - 15.00% APR | | Up to 84 mos | 6.25% - 15.25% APR | | Up to 120 mos | 6.50% - 15.50% APR | | Up to 144 mos | 6.75% - 15.75% APR | | Signature Loans | | Up to 60 mos | 8.75 - 17.00% APR | | Revolving Line of Credit | | 8.75 - 17.00% APR | | Credit Cards | | Visa Credit Cards Now Available! | Call for rates and rewards |
Annual Percentage Rate determined by evaluation of credit and term. Actual rate may vary.
Final annual percentage rate determined by One Source FCU Lending Policy.
48 month financing available for loans up to $9,999.99
60 month financing available for loans in excess of $10,000.00
72 month financing available for loans in excess of $20,000.00
84 month financing available for loans in excess of $40,000.00
120 month financing available for loans in excess of $50,000.00
Up to 100% financing available for qualifying members.
Qualifying collateral must be listed in current NADA value guide.
All rates quoted are with approved credit
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Mortgage Rates
Effective Date: 02/17/2010
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| | | | (1*)(2*) 15-year and 30 -yr Fixed Rates available; call credit union for rates. No Discounts, 1.000% Origination; Range: $0 to $333,700 | | | (1*)(2*)15-yr and 30-yr Fixed Rate Jumbo available: call credit union for rates. No Discounts, 1.000% Origination; Range: $333,701 to $450,700 | | | Equity Loans | | $10,000 and less: Call credit union for rates, Fees: not to exceed 3% of the Loan Balance(in Texas), Terms up to 15 years. Example; Monthly payments per $1000.00. 8.625@ 180 months(15yrs) $10,000 = $17.86 | | $10,001 - $49,999 and less: Call credit union for rates, Fees: not to exceed 3% of the Loan Balance(in Texas), Terms up to 15 years. Example; Monthly payments per $1000.00. 7.625@ 180 months(15yrs) $49,999 = $84.07 | | $50,000 and over: Call credit union for rates, Fees: not to exceed 3% of the Loan Balance(in Texas), Terms up to 15 years. Example; Monthly payments per $1000.00. 6.625@ 180 months(15yrs) $100,000 = $158.04 | | Manufactured Home Loans | | Single Family Structure: Call credit union for rates. | | | | | | | | | | | | |
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Mortgage footnotes:
(1*) Annual Percentage Rate (APR) is a term used in the Truth-In-Lending Act
to represent the percentage relationship of the total finance charge to the
amount of the loan. The APR reflects the cost of your mortgage loan as a yearly
rate. It will be higher than the interest rate stated on the note because it
includes, in addition to the interest rate, any loan discount points and other
prepaid finance charges.
(2*) Assumes 20% down payment or 80% loan-to-value (LTV): no mortgage
insurance. Lower down payment loans are available up to 95% LTV.
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