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Rates effective as of March 1, 2010
All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Extra Credit Union members only. A minimum deposit of $5 in a Regular Savings Account is required for membership.
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New and Pre-Owned Vehicles
| Term |
APR |
| 1-54 months |
As low as 4.25% |
| 55-66 months |
As low as 4.75% |
| 67-72 months |
As low as 5.25% |
- Specific rates are based on the credit history and are determined after the application is reviewed. Rates are subject to credit approval.
- Promotional rates are for new money only.
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Recreational Vehicles, Boats and Jet Skis
| Term |
APR |
| 1-48 Months |
As low as 6.00% |
| 49-60 months |
As low as 6.50% |
| 61-84 months |
As low as 7.00% |
| 85-120 months |
As low as 7.50% |
- Specific rates are based on credit history and are determined after the application is reviewed. Rates are subject to credit approval.
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Visa Credit Cards
- Fixed rates as low as 10.99% APR
- No Annual Fee
- 25-day grace period
- Subject to credit approval
Secured Loans
| Type |
Term |
APR |
| Savings/Certificate Secured Loans |
Up to 120 months
|
As low as 5.25% |
Unsecured Loans
| Type |
Term |
APR |
| Signature Loans |
Up to 120 months
|
As low as 10.25% |
| FlexLine |
N/A |
As low as 9.00% |
Mortgage Loans
First Mortgage Loans
- First mortgage rates are available by contacting Extra Credit Union's Mortgage Division (586) 276-3000 Ext. 3101
- APR is defined as Annual Percentage Rate
- All loans are subject to credit approval
- We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act
Home Equity Line of Credit
| Type |
Term |
APR |
| Variable HELOC* Rate Effective as of November 13, 2009 |
N/A |
As low as 3.25% |
| Fixed-Rate HELOC |
N/A |
8.25% |
- Convenience of Home Equity Platinum Visa or convenience checks available.
- All loans subject to credit approval. Certain conditions may apply.
- *Variable HELOC rates are based on the prime rate as published in the Wall Street Journal on the 25th of each month and are subject to change monthly.
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Savings Products
| Type |
APY |
Minimum Balance |
| Regular Savings Account |
0.15% |
$5 |
| Checking Account |
N/A |
$0 |
| Holiday Club |
0.15% |
$0 |
| Dream Account |
0.15% |
$0 |
| Savosaurus Youth Account |
0.15% |
$0 |
| IRA Savings Account |
0.15% |
$0 |
| Dividends are paid and compounded quarterly |
Money Market
| APY |
Minimum Balance |
| 0.15% |
$2,000-$19,999 |
| 0.25% |
$20,000-$49,999.99 |
| 0.35% |
$50,000 and up |
| Dividends are paid and compounded monthly |
Fixed-Rate Certificates
| Term |
Rate
$500-$49,999 |
APY
$500-$49,999 |
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| 90 days |
0.25% |
0.25% |
| 180 days |
0.399% |
0.40% |
| 1 year |
0.75% |
0.75% |
| 1 1/2 years |
1.00% |
1.00% |
| 2 years |
1.489% |
1.50% |
| 2 1/2 years |
1.735% |
1.75% |
| 3 years |
1.935% |
1.95% |
| 3 1/2 years |
2.03% |
2.05% |
| 4 years |
2.13% |
2.15% |
| 4 1/2 years |
2.23% |
2.25% |
| 5 years |
2.325% |
2.35% |
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Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Contact your personal attorney or tax advisor for advice on your personal situation. *Minimum Balance is $500. |
Traditional, Roth, and Education IRA Certificates
| Term |
Rate |
APY |
Minimum
Balance |
| 1 year |
1.00% |
1.00% |
$500 |
| 2 years |
1.735% |
1.75% |
$500 |
| 3 years |
1.985% |
2.00% |
$500 |
| 4 years |
2.325% |
2.35% |
$500 |
| 5 years |
2.475% |
2.50% |
$500 |
| Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Contact your personal attorney or tax advisor for advice on your personal situation. |
