| Effective
06/16/2010 |
| Rates are determined monthly by the Board of Directors.
FEDERAL REGULATIONS PROHIBIT THE PAYMENT OF DIVIDENDS IN EXCESS OF
AVAILABLE EARNINGS.
Dividends are calculated by the daily balance method. |
|
DEPOSITS |
|
|
|
SHARES/CHRISTMAS CLUB/VACATION CLUB |
|
|
|
| Balance |
Dividend Rate |
APY-Annual
Percentage Yield |
|
|
$50 TO $500 |
0.25% |
0.250% |
|
| $100 TO $20,000 |
0.30% |
0.301% |
|
| $20,000 and over |
0.40% |
0.401% |
|
|
CHECKING |
|
|
|
| $500 and over |
0.10% |
0.100% |
|
- All above rates are compounded monthly
- Fees could reduce earnings on the above accounts.
The disclosed dividend rates are variable and may change after the member
opens the account(s). Regular Share Accounts require a minimum balance
of $50 to open the account. Christmas and Vacation Clubs require $5.00
to open.
|
-
|
|
|
|
SHARE CERTIFICATES |
Effective |
06/16/2010 |
|
| 6 month
($500 minimum balance) |
0.65% |
0.651% |
|
| 12 month ($500 minimum balance) |
0.80% |
0.802% |
|
| 18 month
($500 minimum balance) |
1.00% |
1.004% |
|
|
24 month ($500 minimum balance) |
1.25% |
1.256% |
|
|
48 month ($500 minimum balance) |
2.00% |
2.015% |
|
- Terms longer than 6 months compound quarterly. This
rate will be paid until the certificate matures. Your certificate will
automatically be transferred to your share account at maturity unless we are
contacted on or before the maturity date.
- A penalty will be imposed for
early withdrawal.
|
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|
-
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|
Traditional IRA's Roth IRA's, Education IRA's |
|
|
|
| Accumulation IRA (variable)
($10 min. balance) |
1.00% |
1.004% |
|
| 12 month
($250 minimum balance) |
0.80% |
0.802% |
|
| 18 month
($250 minimum balance) |
1.00% |
1.004% |
|
| 24 month
($250 minimum balance) |
1.25% |
1.256% |
|
|
48 month ($250 minimum balance) | 2.00% |
2.015% |
|
| Compounded quarterly.
This rate will be paid until the certificate matures. A penalty for early withdrawal on all term IRA's |
|
TRAVELERS CHECKS - no fees to members |
|
WESTERN UNION QUICKCASH SERVICE |
| Domestic Transfer ( up to $10,000) - $25.00 |
|
|
|
| Effective
07/01/2010 |
| Rates are subject to change without notice.
APR - Annual Percentage Rate |
|
LOANS |
|
|
|
Type |
Term |
Special Rate |
*Preferred Rate
|
|
Share Secured |
60 mo |
3.99%APR1 |
N/A |
|
New Car, Truck, RV
('09 - '10) |
36 mo |
4.75%APR1 |
3.99%APR1 |
| |
60 mo |
5.25%APR1 |
4.49%APR1 |
|
Over $25,000 |
72 mo |
5.75%APR1 |
4.99%APR1 |
|
Used Car, Truck, RV ('04 - '08) |
36 mo |
5.25%APR1 |
4.49%APR1 |
| |
60 mo |
5.75%APR1 |
4.99%APR1 |
|
'03 or older |
36 mo |
6.50%APR2 |
5.99%APR2 |
|
Over $10,000 ('04 or older) |
48 mo |
7.00%APR2 |
6.49%APR2 |
|
New Motorcycle ('09
- '10) |
36 mo |
5.25%APR1 |
4.49%APR1 |
| |
60 mo |
5.75%APR1 |
4.99%APR1 |
|
Used
Motorcycle ('04 - '08) |
48 mo |
5.75%APR1 |
4.99%APR1 |
|
'03 or older |
36 mo |
7.00%APR2 |
6.49%APR2 |
|
Over $5000 ('03 or older) |
48 mo |
8.00%APR2 |
7.49%APR2 |
|
Certificate Secured |
12 mo |
5.00%APR |
N/A |
| |
24 mo |
5.50%APR |
N/A |
|
|
48 mo |
6.10%APR |
N/A |
|
Home Equity (Fixed Rate)
60 monthly payments of $19.22 per $1,000 borrowed |
60 mo |
6.00%APR3 |
5.49%APR3 |
|
120 monthly payments of
$11.24 per $1,000 borrowed |
120 mo |
6.50%APR3 |
5.99%APR3 |
|
180 monthly payments of
$8.86 per $1,000 borrowed |
180 mo |
7.00%APR3 |
6.49%APR3 |
|
Signature Loan |
36 mo |
11.75%APR |
8.99%APR |
|
|
60 mo |
12.75%APR |
9.99%APR |
| Add 0.25% to each of the above
special rates and 0.26% to
preferred rates if you do not use automatic payments from a YEFCU account,
payroll deduction or direct deposit. |
- $25 charge for insufficient funds on payment due date.
-
|
-
1 Rate is for 85% financing. For 100%
financing, please add 1/2% (0.50%) to this rate.
|
|
2 Rate is for 85% maximum financing. |
|
3 Rate is for 80% financing. |
|
Home Equity Line-of-Credit** |
120 mo |
4.50%APR3 |
|
| (Variable rate, adjusted quarterly) Effective
07/01/2010 |
|
|
|
|
Line-of-Credit* |
36 mo |
9.49%APR |
|
| |
60 mo |
|
|
|
Education Line-of-Credit |
12 mo |
|
|
| KeystoneBEST/PHEAA Student Loan |
|
6.80%APR |
|
| KeystonePLUS/PHEAA Parents Loan |
|
8.50%APR |
|
|
VISA |
|
11.90%APR |
9.90%APR |
| *Rate available to qualified members only.
These rates are based on certain credit standards. Contact our loan
department for information on how your rate is determined. Maximum APR is 18%.
** The Home Equity Line-of-Credit rate is based on the rate
offered on the 91 day Treasury-Bill. YEFCU's LOC rate is based on the
91-day T-Bill effective 30 days before the end of the quarter + 3.75%.
Refinance Charge - $50.00 or costs, whichever is greater. |
| Maximum Secured Loan - $100,000 |
| Maximum VISA: 10% of Gross
Annual Income (GAI) |
| Maximum Unsecured Limit: 25% of GAI |
|
