These are base rates for
May 2013.
Actual rates are based on creditworthiness.
LOAN
TYPE
RATE
APR*
TERM
New and Used Vehicles
1.25%
1.25%
24 Mo.
New and Used Vehicles
1.50%
1.50%
36 Mo.
New and Used Vehicles
1.75%
1.75%
48 Mo.
New and Used Vehicles
2.00%
2.00%
60 Mo.
New and Used Vehicles
2.00%
2.00%
72 Mo.
*You receive a 1/4% discount for each 10% down payment with a maximum discount of 1/2%
LOAN
TYPE
RATE
APR*
TERM
New and Used Boats and RVs
3.50%
3.50%
84 Mo.
New and Used Boats and RVs
4.50%
4.50%
120 Mo.
New and Used Boats and RVs
5.50%
5.50%
180 Mo.
*You receive a 1/4% discount for each 10% down payment with a maximum discount of 1/2%
LOAN
TYPE
RATE
APR*
TERM
MasterCard Classic
11.90%
11.90%
N/A
MasterCard Gold
9.90%
9.90%
N/A
LOAN
TYPE
RATE
APR*
TERM
Line of Credit
10.99%
10.99%
N/A
LOAN
TYPE
RATE
APR*
TERM
Home Loans
(call for specific rate)
3.50%
3.50%
360 Mo.
Home Equity/Improvement
2.99%
2.99%
60 Mo.
Home Equity/Improvement
3.99%
3.99%
84 Mo.
Home Equity/Improvement
4.99%
4.99%
120 Mo.
Home Equity/Improvement
5.49%
5.49%
180 Mo.
LOAN
TYPE
RATE
APR*
TERM
Share and CD Secured
(2% above collateral)
N/A
N/A
60 Mo.
LOAN
TYPE
RATE
APR*
TERM
Signature and/or Consolidation
3.50%
3.50%
12 Mo.
Signature and/or Consolidation
4.00%
4.00%
24 Mo.
Signature and/or Consolidation
4.50%
4.50%
36 Mo.
Signature and/or Consolidation
5.00%
5.00%
48 Mo.
*APR is the Annual Percentage Rate.
*5-Star member's rates are 1% less for Auto, Signature & Home Equity Loans.
*Automobiles may be refinanced from other institutions at 1% less than your existing rate or LOCU's current rate, whichever is less.
The rate cannot be lower than our current rate less 1%
*Rates are based on approved credit and will range from base rates above to base rate plus 10%, based on credit score.
*Rates are subject to change monthly.
Share Savings Rates
Rates as of
April, 2013
ACCOUNT
TYPE
RATE
APY*
TERM
Share Savings
$100 - $4,999
0.25%
0.25%
N/A
Share Savings
$5,000 - $24,999
0.50%
0.50%
N/A
Share Savings
$25,000 & Over
0.75%
0.75%
N/A
Christmas Club
0.25%
0.25%
N/A
Prime Checking
0.25%
0.25%
N/A
IRA Savings
0.50%
0.50%
N/A
Please call 214-413-5588 for current
rates, terms and fees.
*APY is the Annual Percentage Yield.
Certificate Rates
Rates good through
May 31, 2013
ACCOUNT
TYPE
RATE
APY*
TERM
Regular or IRA CD - $1,000 Minimum
0.20%
0.20%
06 Mo.
Regular or IRA CD - $1,000 Minimum
0.25%
0.25%
12 Mo.
Regular or IRA CD - $1,000 Minimum
0.45%
0.45%
24 Mo.
Regular or IRA CD - $1,000 Minimum
0.65%
0.65%
36 Mo.
Regular or IRA CD - $1,000 Minimum
0.75%
0.75%
48 Mo.
Regular or IRA CD - $1,000 Minimum
1.00%
1.01%
60 Mo.
Regular or IRA CD - $25,000 Minimum
0.30%
0.30%
06 Mo.
Regular or IRA CD - $25,000 Minimum
0.35%
0.35%
12 Mo.
Regular or IRA CD - $25,000 Minimum
0.55%
0.55%
24 Mo.
Regular or IRA CD - $25,000 Minimum
0.75%
0.75%
36 Mo.
Regular or IRA CD - $25,000 Minimum
0.85%
0.85%
48 Mo.
Regular or IRA CD - $25,000 Minimum
1.10%
1.11%
60 Mo.
Please call 214-413-5588 for current
rates, terms and fees.
*APY is the Annual Percentage Yield.
5-STAR MEMBER'S RATES ARE 1% HIGHER THAN THE ABOVE CD RATES
"Step Up" your rate once during the term on Regular and IRA CDs; nominal fee.
