| |
Rates & Fees
Account
Rates | Account
Service Fees | Disclosures | Loan
Rates | Other
Service Fees
 |
| |
|
Type of Account |
Dividend
Rate |
APY* |
|
Regular Savings & Special Reserve |
0.50% |
0.50% |
| Checking |
0.20% |
0.20% |
| Health Savings Account -
Savings & Checking |
1.74% |
1.75% |
| Insured Money Market
($2000-$49,999.99) |
1.74% |
1.75% |
| Insured Money Market
($50,000 -$99,999.99) |
1.83% |
1.85% |
| Insured Money Market
($100,000 +) |
1.98% |
2.00% |
|
| |
|
*APY stands for Annual Percentage Yield. Rates
determined monthly. Effective thru 01/31/09.
|
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| Share Certificate
Accounts |
|
|
|
Term |
Aggregate
Available* Deposits $500-$49,999.99 |
Aggregate Available* Deposits
$50,000 - $89,999.99 |
Aggregate
Available* Deposits $90,000 and above |
| Dividend
Rate |
APY** |
Dividend
Rate |
APY** |
Dividend
Rate |
APY** |
|
3 mos. |
2.40% |
2.43% |
2.50% |
2.53% |
2.65% |
2.68% |
|
6 mos. |
2.90% |
2.94% |
3.00% |
3.05% |
3.15% |
3.20% |
| 9 mos. |
3.05% |
3.10% |
3.15% |
3.20% |
3.30% |
3.35% |
| 1 yr. |
3.20% |
3.25% |
3.30% |
3.35% |
3.45% |
3.51% |
| 18 mos. |
3.30% |
3.35% |
3.40% |
3.46% |
3.55% |
3.61% |
| 2 yrs. |
3.40% |
3.46% |
3.50% |
3.56% |
3.65% |
3.72% |
| 3 yrs. |
3.60% |
3.66% |
3.70% |
3.77% |
3.95% |
4.03% |
| 4 yrs. |
3.80% |
3.87% |
3.90% |
3.98% |
4.05% |
4.13% |
| 5 yrs. |
4.00% |
4.08% |
4.10% |
4.18% |
4.25% |
4.34% |
|
* Available Deposits - Funds are not
pledged as collateral for a loan and are available for
withdrawal. |
|
|
|
|
**APY stands for Annual Percentage Yield.
Rates determined weekly. Effective thru 01/06/09.
Early withdrawal penalties may apply. |
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| Accumulative Individual Retirement Accounts |
| |
|
Early Withdrawal Penalty |
Dividend
Rate |
APY* |
|
IRA withdrawals before age 59 1/2 are
subject to certain IRS penalties. |
1.74% |
1.75% |
|
| |
|
*APY stands for Annual Percentage Yield. Rates determined
monthly. Effective thru 01/31/09.
|
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Automobiles/Other Secured (Motorcycles, RVs, Boats, Furniture, Computer,
& other collateral) All rates are quoted as Annual
Percentage Rates (APR) and are subject to change. The rate shown
reflects a 0.25% reduction when the loan is repaid by
payroll deduction or automatic transfer from your savings or
checking account. |
| |
|
24 mos. as low as |
36
mos. as low as |
48 mos.
as low as |
60
mos.
as low as |
72mos.
as low as |
| 80% financing |
5.15%/5.65% APR |
5.15%/5.65% APR |
5.40%/5.90% APR |
5.65%/6.15%
APR |
6.50%/7.00% APR
[$18,000+]
|
| 100% financing |
5.40%/5.90% APR |
5.40%/5.790%
APR |
5.65%/6.15% APR |
5.90%/6.40%
APR |
6.75%/7.25% APR [$18,000+]
|
RVs only
MAXIMUM
MATURITY
Up to $17,999... 60 mos.
$18,000 - $49,999... 120 mos.
$50,000+...
180 mos |
73 - 120
months
as low as 7.75%
APR |
121
- 180 months
as low as 8.25% APR |
|
|
|
|
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| Real Estate
Loans
For information on the following types of loans, please call Lending Central at 210-348-9022. |
| |
| |
Amount Financed |
1 - 60
months |
61 -
120 months |
121 -
180 months |
| Home Improvement (to $200,000) |
95% appraisal less existing
liens |
6.4% APR |
6.9% APR |
7.4% APR |
Unimproved land (to $200,000 maximum)
[Add 0.35% for balloon loans.] |
90% appraisal |
6.9% APR |
7.9%
APR |
8.4% APR |
| HOME EQUITY LINE OF
CREDIT
Variable Rate (80% appraisal less
existing liens) Lifetime maximum
APR is 10.99% to 14.24%. |
As low as |
Annual
Adjustment Cap |
Lifetime Adjustment
Cap |
Draw Period |
Payment as low as
w/$75 min. |
Minimum
Rate |
New York Prime Rate less 0.26%
[*Introductory/Initial
Rate] |
4.50%* APR |
1.25% APR |
6.49% APR |
10 years |
1.20% |
as low as 4.50% APR |
| HOME EQUITY LINE OF
CREDIT
Fixed Rate (80% appraisal less existing
liens) |
Total term
5 years |
Total
term 7 years |
Total
term 10 years |
Total term 15 years |
Total
term 20 years |
| $10,000 to $400,000, 1-year draw period
with 1% payment; then payment based on total term of the
loan with a $75.00 minimum |
5.50% APR |
6.00% APR |
6.15%
APR |
6.50% APR |
7.25%
APR |
| CLOSED-END HOME
EQUITY
Fixed Rate Loans (80% appraisal less existing
liens) |
5
years |
7 years |
10 years |
15
years |
20
years |
| $5000 to $400,000 |
As low as
5.25%
APR |
As low as 5.75% APR |
As low as 5.90% APR
|
As low as 6.25% APR |
As low as 7.00% APR |
|
We also offer home loan programs including:
conventional, VA, 100% financing, fixed or adjustable rates, construction-to-perm
and more. For information on these types of real estate loans, please call
Suzie Harz at 210-581-1506 or 1-800-460-6990.
Check
rates for a Mortgage Loan
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|
| Unsecured Loans
Unsecured loan limit is up to three months' gross
income, depending on qualifications. |
| |
|
Type of Loan |
MAXIMUM
MATURITY |
ANNUAL
PERCENTAGE
RATE |
| Closed end - Signature Loan |
60 mos. |
as low as
9.9% |
| Open end - Line of Credit |
$3 per
$100
(minimum $18) |
as low as
9.9% |
| Line of Credit with Auto Pay |
$3 per
$100
(minimum $18) |
as low as
8.9% |
| VISA/MasterCard CLASSIC credit card |
3% of outstanding
balance |
12.9% minimum |
| VISA/MasterCard GOLD |
3% of outstanding
balance |
10.9% minimum |
| VISA/MasterCard Platinum |
3% of outstanding
balance |
as low as
7.9% |
| VISA/MasterCard SECURED credit
card |
3% of outstanding
balance |
9.9% |
|
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| Secured Loans |
| |
|
Type of Loan |
AMOUNT
FINANCED |
MAXIMUM
MATURITY |
ANNUAL
PERCENTAGE
RATE |
| Shares Pledged |
100% |
Single payment
up to 12 months, or 60 monthly payments |
2.5%
above dividend rate |
| Share Certificate Pledged |
100% |
To maturity
date of pledged certificate |
2.5%
above dividend rate |
| Stock Pledged |
70%
of market |
Single payment
up to six months, or 60 monthly payments |
11.9% |
| Stock Pledged over $2,000 |
70%
of market |
Single
payment up to six months, or 60 monthly payments |
9.9% |
|
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|
| |
| Membership Fee |
$5.00 |
| |
|
Checking Account Fees |
|
| Non-Sufficient Funds (NSF) |
$25.00 |
| Overdraft Privilege Fee (fee
imposed for in-person, ATM/Visa Check Card, check, Audio
Amigo, Internet Banking and ACH transactions) |
$25.00 |
| Stop Payment Fee |
$20.00 |
| Check Copy Fee |
$1.00 |
Monthly Service
Charge*
(if
balance drops below $500 during the month on a regular
checking account) |
$5.00 |
| Check Printing Fee |
depends
on style selected |
|
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|
| |
|
|
| ACH NSF |
$25.00 |
| Deposited Check NSF |
$10.00 |
| Interim Statement Fee |
$1.00 |
| Account Research and Reconciliation Fee
(per hour) |
$25.00 |
| Transfer Fee |
$1.00 |
| Replacement of ATM card |
$5.00 |
| Nonproprietary ATM transactions |
$1.00 |
| Cashier's Checks |
$3.00 |
| Wire Transfer |
$15.00 |
| Photo Copies (no charge for single copies) |
$.05 |
| FAX (no charge for local transmissions)
per page |
$1.00 |
| Money Orders |
$1.00 |
| Travelers Checks |
1% of
purchase |
| Check cashing for non-members (up to
$500) |
$5.00 |
| Check cashing for non-members ($500.01 -
$1000) |
$10.00 |
| Check cashing for non-members ($1000.01 -
$1500) |
$15.00 |
| RCFCU check (with one free a month) |
$1.00 |
|
ANNUAL SAFE DEPOSIT BOX FEES |
| 3" x 5" x 22" |
$20 |
| 3" x 10" x 22" |
$30 |
| 5" x 10" x 22" |
$50 |
| 10" x 10" x 22" |
$100 |
| Key Deposit (refundable when both keys
are returned upon closure) |
$10 |
| Drill Fee |
$120 |
|
CREDIT CARD FEES |
|
| Late fee |
5%
of minimum payment due, minimum of $15 |
| NSF |
$25 |
| Over the Limit by 11% |
$10 |
TNB's eZ Pay ACH payment
draft system:
Using the operator-assisted payment by phone method
Using the automated telephone payment option
|
$5
$4
|
|
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