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- Rates are effective as of August 19, 2010
- All rates are subject to change daily.
| Deposit Rates |
| Share and Club Accounts |
APR |
APY |
| |
0.50% |
0.501% |
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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 |
| |
0.50% |
0.501% |
| |
|
|
|
Dividends are paid Quarterly. | |
| Share Certificates of Deposit |
| Share Certificates - Tier 1 |
APR |
APY |
| 6 Month - ($500 Minimum Deposit) |
0.95% |
0.95% |
| 12 Month - ($1,000 Minimum Deposit) |
1.25% |
1.25% |
| 18 Month - ($1,000 Minimum Deposit) |
1.45% |
1.44% |
| 24 Month - ($1,000 Minimum Deposit) |
1.70% |
1.69% |
| |
|
|
| Share Certificates - Tier 2 |
APR |
APY |
| 6 Month - ($25,000 Minimum Deposit) |
1.15% |
1.15% |
| 12 Month - ($25,000 Minimum Deposit) |
1.45% |
1.45% |
| 18 Month - ($25,000 Minimum Deposit) |
1.65% |
1.64% |
| 24 Month - ($25,000 Minimum Deposit) |
1.90% |
1.88% |
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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) |
0.95% |
0.95% |
| 12 Month - ($1,000 Minimum Deposit) |
1.25% |
1.25% |
| 18 Month - ($1,000 Minimum Deposit) |
1.45% |
1.44% |
| 24 Month - ($1,000 Minimum Deposit) |
1.70% |
1.69% |
| |
|
|
| IRA Certificate - Tier 2 |
APR |
APY |
| 6 Month - ($25,000 Minimum Deposit) |
1.15% |
1.15% |
| 12 Month - ($25,000 Minimum Deposit) |
1.45% |
1.45% |
| 18 Month - ($25,000 Minimum Deposit) |
1.65% |
1.64% |
| 24 Month - ($1,000 Minimum Deposit) |
1.90% |
1.88% |
| |
|
|
|
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 August 19, 2010
- All rates are subject to change daily.
- There is a $3.00 Application Fee for all loans, unless otherwise noted.
| New Auto / Motorcycle Loans |
| Model Year |
Term |
APR |
| 2011 & 2009 |
24 |
as low as 3.99% |
| |
36 |
as low as 3.99% |
| |
48 |
as low as 3.99% |
| |
60 |
as low as 3.99% |
| * For vehicles valued at $20,000 + |
72* |
as low as 4.99% |
- 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.
- 2009 model years with less than 10,000 miles qualify as new.
- 90% financing on auto loans based on dealer invoice or NADA value.
- 100% financing available for qualified borrowers on vehicles valued at $25,000 +
- Maximimum Term for Motorcycle Loans is 60 months.
| |
| Used Auto / Motorcycle Loans |
| Model Years |
Term |
APR |
| 2009 - 2008 |
48 |
as low as 4.25% |
| |
60 |
as low as 4.25% |
| 2007 - 2006 |
48 |
as low as 4.50% |
| |
60 |
as low as 4.50% |
| 2005 and Older |
36 |
as low as 5.75% |
| |
48 |
as low as 6.75% |
| |
|
|
- 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 for all used autos. Based on NADA Value.
| |
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 |
| $10,000 Maximum Loan Limit |
12 |
as low as 10.00% |
|
24 |
as low as 11.00% |
| |
36 |
as low as 12.00% |
- 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.
| |
| Rate Buster Loans |
| Maximum Limit |
Term |
APR |
| $10,000 Maximum Loan Limit |
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.
| |
| Educational Loans |
| Maximum Limit |
Term |
APR |
| $10,000 Maximum Loan Limit |
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.
- Advances can be requested at any time. Application good for 4 years.
| |
| Share/Certificate Secured Loans |
| Maximum Limit |
Max.Term |
APR |
| 95% of Account Balance |
60 |
Dividend Rate + 2.50% |
| |
|
|
- This is a variable rate loan.
- 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.
| |
| Overdraft Line of Credit |
| Maximum Limit |
Term |
APR |
| $2,500 Maximum Credit Limit |
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.
| |
| 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.
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