Savings Rate Board
Rates are effective as of 12/1/2007 and are subject to change without notice. Ra tes are quoted as Annual Percentage Yield.
Account |
APY |
Minimum to
Earn Dividend |
Minimum Balance Requirement |
| Share Savings |
1.01% |
$100.00 |
$5.00 |
| Money Market Savings |
1.01% |
$0-$2,499.99 |
None |
| 3.00% |
$2,500.00 - $9,999.99 |
$2,500.00 |
| 3.50% |
$10,000.00 - $24,999.99 |
$10,000.00 |
| 3.85% |
$25,000.00 - $74,999.99 |
$25,000.00 |
| 4.25% |
$75,000.00 plus |
$75,000.00 |
| Special Club Accounts |
1.01% |
$100.00 |
None |
| IRA Savings |
2.00% |
None |
None |
| Checking |
0.00%
0.00% |
None
None |
None
None |
Truth-in-Savings
Request an additional account
Apply for membership |
|
|
|
| Share and IRA Certificates** |
|
|
|
| 3 months |
1.01% |
$500.00 |
$500.00 |
| 6 months |
4.25% |
$500.00 |
$500.00 |
| 12 months* |
4.70% |
$500.00 |
$500.00 |
| 24 months* |
4.80% |
$500.00 |
$500.00 |
| 36 months* |
4.90% |
$500.00 |
$500.00 |
| 48 months* |
5.00% |
$500.00 |
$500.00 |
| 60 months* |
5.05% |
$500.00 |
$500.00 |
Truth-in-Savings
Request a certificate
Apply for membership |
|
|
|
* Bump-up Certificates: If our rates increase during the term of your certificate, you may request a bump to the higher rate--once with a 12-month certificate, twice with a 24-month certificate, three times with a 36-month certificate, four times with a 48-month certificate, and five times with a 60-month certificate.
The IRA Certificate rates quoted here also apply for our Traditional and Roth IRAs as well as our Coverdell Savings Accounts.
**Share certificate rates are .25% higher for Platinum members.
Loan Rate Board
Rates are effective as of 4/01/2007 and are subject to change without notice. APR states the Annual Percentage Rate for the loan.
Loan Type |
Term |
APR* |
New/Used Autos & Motorcycles |
Up to 60 months |
As low as 5.99% |
|
Up to 72 months |
As low as 6.60% |
Up to 100% financing is available for new autos/motorcycles and NADA retail value for used autos/motorcycles.
*$20,000 minimum for financing over 60 months. Please call for rates on boats and recreational vehicles (RVs).
Additional Consumer Loan Rates
Loan Type |
Loan Maximum |
APR |
| Savings Secured (variable rate) |
Savings Balance |
Rate + 2% |
| Certificate Secured |
Certificate Balance |
Rate + 2% |
| Personal Loan |
Varies |
As low as 9.49% |
| Personal Line of Credit |
Varies |
As low as 9.49% |
| Payday Advance Loan |
$1,000 |
15.00% |
| Visa Classic |
$7,000 |
11.99% |
| Visa Gold |
$15,000 |
10.99% |
| Visa Platinum |
$30,000 |
9.90% |
| Student Loans |
|
|
| Federal Stafford |
Rates are set by the U.S. Gov't annually on July 1st |
6.80% |
| Federal Plus |
Rates are set by the U.S. Gov't annually on July 1st |
8.50% |
| Home Equity Line of Credit |
Up to 95% of Equity |
As low as 7.75% |
| Home Equity Express |
Up to 95% of Equity |
As low as 7.75% |
| Home Equity Plus |
Up to 95% of Equity |
As low as 7.75% |
| 3/15 First Mortgage Balloon |
Call Member Options, LLC for quote - 888-578-4747 |
|
| 3/30 First Mortgage Balloon |
Call Member Options, LLC for quote - 888-578-4747 |
|
| 5/15 First Mortgage Balloon |
Call Member Options, LLC for quote - 888-578-4747 |
|
| 5/30 First Mortgage Balloon |
Call Member Options, LLC for quote - 888-578-4747 |
|
| 5/20 Second Mortgage Balloon |
Up to 80% of Equity |
As Low As 7.50% |
| 5/20 Second Mortgage Balloon |
Up to 90% of Equity |
As Low As 8.00% |
Terms and Conditions for the Visa Classic, Gold and Platinum Programs
Terms and Conditions for Visa Classic
Annual percentage rate (APR) for purchases |
11.99% |
Other APRs |
Cash advance APR: 11.99%
Balance transfer APR: 11.99% |
Grace period for repayment of balances for purchases |
25 days on average |
Method of computing the balance for purchases |
Average daily balance including new purchases |
Annual fees |
None |
Transaction fee for cash advances: |
None |
Balance transfer fee: |
None |
Late-payment fee: |
$20.00 |
Over-the-credit-limit fee: |
$20.00 |
Terms and Conditions for Visa Gold
Annual percentage rate (APR) for purchases |
10.99% |
Other APRs |
Cash advance APR: 10.99%
Balance transfer APR: 10.99% |
Grace period for repayment of balances for purchases |
25 days on average |
Method of computing the balance for purchases |
Average daily balance including new purchases |
Annual fees |
None |
Balance transfer fee: |
None |
Late-payment fee: |
$20.00 |
Over-the-credit-limit fee: |
$20.00 |
Terms and Conditions for Visa Platinum
Annual percentage rate (APR) for purchases |
9.90% |
Other APRs |
Cash advance APR: 9.90%
Balance transfer APR: 9.90% |
Grace period for repayment of balances for purchases |
25 days on average |
Method of computing the balance for purchases |
Average daily balance including new purchases |
Annual fees |
None |
Balance transfer fee: |
None |
Late-payment fee: |
$20.00 |
Over-the-credit-limit fee: |
$20.00 |
The information about the costs of these Visa programs described here is accurate as of April 1, 2007. This information may have changed after this date. To find out what may have changed, call us at (703) 526-0200, or write us at 2130 N. Glebe Road, Arlington, Virginia 22207-2219.
 Privacy Policy
Back to Top
| 
