|
- Rates are effective as of December 7, 2011
- All rates are subject to change daily.
| Deposit Rates |
| Share and Club Accounts |
APR |
APY |
| $100.00 to $9,999.99 |
0.20% |
0.20% |
| $10,000.00 to $24,999.99 |
0.30% |
0.30% |
| $25,000.00 and greater |
0.40% |
0.40% |
|
Dividends are paid Quarterly on Share and Vacation Club Accounts
with a minimum balance of $100.
Holiday Club Accounts post Dividend on the last day of September.
Holiday Club Accounts incur loss of Dividends for early withdrawal. | |
| Deposit Rates |
| IRA Share Accounts |
APR |
APY |
| $100.00 to $9,999.99 |
0.20% |
0.20% |
| $10,000.00 to $24,999.99 |
0.30% |
0.30% |
| $25,000.00 and greater |
0.40% |
0.40% |
|
Dividends are paid Quarterly. | |
| Share Certificates of Deposit |
| Share Certificates - Tier 1 |
APR |
APY |
| 6 Month - ($500 Minimum Deposit) |
0.60% |
0.601% |
| 12 Month - ($1,000 Minimum Deposit) |
0.80% |
0.800% |
| 18 Month - ($1,000 Minimum Deposit) |
1.00% |
0.998% |
| 24 Month - ($1,000 Minimum Deposit) |
1.20% |
1.193% |
| |
|
|
| Share Certificates - Tier 2 |
APR |
APY |
| 6 Month - ($25,000 Minimum Deposit) |
0.70% |
0.701% |
| 12 Month - ($25,000 Minimum Deposit) |
0.90% |
0.900% |
| 18 Month - ($25,000 Minimum Deposit) |
1.10% |
1.097% |
| 24 Month - ($25,000 Minimum Deposit) |
1.30% |
1.292% |
| |
|
|
|
All Share Certificates post dividends at maturity.
2 Month Dividend Penalty for early withdrawal on Certificates with a terms of 12 months or under.
3 Month Dividend Penalty for early withdrawal on Certificates with a terms greater than 12 months.
Tier level determined by opening deposit, not subject to change prior to dividend posting. | |
| IRA Certificates of Deposit |
| IRA Certificates - Tier 1 |
APR |
APY |
| 6 Month - ($500 Minimum Deposit) |
0.60% |
0.601% |
| 12 Month - ($1,000 Minimum Deposit) |
0.80% |
0.800% |
| 18 Month - ($1,000 Minimum Deposit) |
1.00% |
0.998% |
| 24 Month - ($1,000 Minimum Deposit) |
1.20% |
1.193% |
| |
|
|
| IRA Certificate - Tier 2 |
APR |
APY |
| 6 Month - ($25,000 Minimum Deposit) |
0.70% |
0.701% |
| 12 Month - ($25,000 Minimum Deposit) |
0.90% |
0.900% |
| 18 Month - ($25,000 Minimum Deposit) |
1.10% |
1.097% |
| 24 Month - ($1,000 Minimum Deposit) |
1.30% |
1.292% |
| |
|
|
|
All IRA Certificates post dividends at maturity.
2 Month Dividend Penalty for early withdrawal on Certificates with a terms of 12 months or under.
3 Month Dividend Penalty for early withdrawal on Certificates with a terms greater than 12 months.
Tier level determined by opening deposit, not subject to change prior to dividend posting. | |
- Rates are effective as of December 7, 2011. All rates are subject to change daily.
- There is a $3.00 Application Fee for all loans, unless otherwise noted.
| New / Used Auto Loans |
| Model Year |
Term |
APR |
| 2012 - 2011 |
60 |
as low as 2.99% |
| |
72 |
as low as 3.99% |
| 2010 - 2008 |
60 |
as low as 3.49% |
| 2007 & Older |
60 |
as low as 4.49% |
| |
|
|
- Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit score, length of employment and ability to pay for qualification. All rates are subject to change without notice.
- 100% financing available for qualified borrowers on new vehicles valued at $25,000 +
- 72 monther term available on new vehicles valued at $20,000 +
- 2011 model years with less than 10,000 miles qualify as new.
- 90% financing on auto loans based on dealer invoice or NADA value.
- 60 month term on 2006 and older vehicles for qualified vehicles only.
| |
| New / Used Motorcycle Loans |
| Model Years |
Term |
APR |
| 2012 - 2011 |
60 |
as low as 3.99% |
| 2010 - 2008 |
60 |
as low as 4.49% |
| 2007 & Older |
60 |
as low as 5.49% |
| |
|
|
- Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit score, length of employment and ability to pay for qualification. All rates are subject to change without notice.
- 2011 model years with less than 10,000 miles qualify as new.
- 90% financing for all used autos. Based on NADA Value.
- 60 month term on 2006 and older vehicles for qualified vehicles only.
| |
Recreational Vehicle Loans
|
| New and Used |
Term |
APR |
| Large RVs |
60 |
as low as 6.50% |
| Large RVs |
120 |
as low as 7.25% |
| Small RVs |
48 |
as low as 8.75% |
- Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit score, length of employment and ability to pay for qualification. All rates are subject to change without notice.
- 90% financing available for Large Recreational Vehicles (ie:Motor Homes, Travel Traillers, and Park Models)
- 100% financing and up to 120 month term available for Large Recreational Vehicles (ie:Motor Homes, Travel Traillers, and Park Models) with a vehicle valued of $30,000 + (Based on N.A.D.A. Book Value)
- 90% financing available for Small Recreational Vehicles (ie:ATVs, Dirt Bikes, Personal Watercraft, Snowmobiles).
| |
| Signature Loans |
| Maximum Limits |
Term |
APR |
| |
12 |
as low as 8.50% |
|
24 |
as low as 9.50% |
| |
36 |
as low as 10.50% |
- Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit score, length of employment and ability to pay for qualification. All rates are subject to change without notice.
- Individual borrower limits subject to approval.
- Longer terms available for qualified borrowers.
- $10,000 Maximum Loan Limit for qualified borrowers.
| |
| Rate Buster Loans |
| Maximum Limit |
Term |
APR |
|
24 |
as low as 8.50% |
|
48 |
as low as 10.00% |
- Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit score, length of employment and ability to pay for qualification. All rates are subject to change without notice.
- This loan is for Credit Card payoff only. Loan may not be re-written.
- Individual borrower limits subject to approval.
- $10,000 Maximum Loan Limit for qualified borrowers.
| |
| Educational Loans |
| Maximum Limit |
Term |
APR |
|
48 |
as low as 6.50% |
|
|
|
- Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit score, length of employment and ability to pay for qualification. All rates are subject to change without notice.
- $10.00 Application Fee.
- Individual borrower limits subject to approval.
- $10,000 Maximum Loan Limit for qualified borrowers.
- Advances can be requested at any time. Application good for 4 years.
| |
| Share/Certificate Secured Loans |
| Maximum Limit |
Max.Term |
APR |
|
60 |
Dividend Rate + 2.50% |
| |
|
|
- New Loans receive a 1.00% rate reduction for loan repayment using Automatic Payroll Deduction or Automatic Monthly Transfer from a Leominster Employees FCU account.
- Maximium Loan Limit is 95% of Security Account Balance.
- This is a variable rate loan.
| |
| Overdraft Line of Credit |
| Maximum Limit |
Term |
APR |
|
12 |
14.50% |
| |
|
|
- Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit score, length of employment and ability to pay for qualification. All rates are subject to change without notice.
- $2,500 Maximum Credit Limit
| |
| Fixed Rate Home Equity Loans |
| Maximum Limit |
Term |
APR |
| 80% LTV |
60 |
as low as 4.75% |
| 80% LTV |
120 |
as low as 5.25% |
| 80% LTV |
180 |
as low as 5.75% |
- Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit score, length of employment and ability to pay for qualification. All rates are subject to change without notice.
- Borrow $10,000 to $75,000 based on 80% Loan to Value of your house.
- We are an Equal Housing Lender.
| |
 
|
|
|
