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As of 06/01/2014
(Rates May Change Without Notice)

SavingsPlus and IRA SavingsPlus Div.
Rate
APY*
Savings Plus and IRA Savings $2,000 – $19,999.99 0.250% 0.25%
Savings Plus and IRA Savings $19,999.99 – $74,999.99 0.300% 0.30%
Savings Plus and IRA Savings $75,000 and over 0.350% 0.35%
Minimum balance of $2,000.00. Dividends are calculated by the average daily balance method, compounded and paid monthly. All rates apply to IRA Savings Plus and may additionally be subject to IRA penalties for early withdrawal.
Standard Products Div.
Rate
APY*
Share and Special Savings 0.150% 0.15%
Jungle Savers-Super Teen 0.200% 0.20%
Christmas & Vacation Club Accounts* 0.150% 0.15%
Interest Plus Checking* 0.100% 0.10%
Escrow Account** 0.000% 0.00%
IRA Savings** 0.200% 0.20%
* Interest Plus Checking must maintain min bal of $1000 to earn interest.
**Savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Term Savings and IRA Certificates Div.
Rate
APY*
6 months 0.549% 0.55%
12 months 0.698% 0.70%
18 months 0.797% 0.80%
24 months 0.995% 1.00%
36 months 1.489% 1.50%
48 months 1.982% 2.00%
60 months 2.472% 2.50%
Minimum deposit is $1000. Dividends are calculated by the average daily balance method, compounded and paid monthly. No additional deposits are allowed and substantial penalty for early withdrawal. All rates apply to IRA certificates and may additionally be subject to IRA penalties for early withdrawal.
Loan Rates Div.
Rate
2014-2008 Vehicles (Boat/RV/Motorcycle) As low as 1.99% APR*
2007 & Older Vehicles (Boat/RV/Motorcycle) As low as 5.99% APR*
Line of Credit and Signature Loans As low as 6.90% APR*
Home Equity Line of Credit (HELOC)* As low as 4.99% APR*
2nd Mortgage (Fixed)* As low as 5.99% APR*
Personal Line of Credit,Overdraft Line of Credit, and Signature Loans as low as 6.90% APR*
Platinum VISA as low as 6.90% APR*

Interest Rate Pricing Tiers (Based Upon Credit History and Credit Bureau Scores)
For average car prices check the NADA website.

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Home Equity Line of Credit (HELOC) Term APR*
Up to 80% Loan-to-Value Up to 120 Months as low as 4.99% APR
Up to 90% Loan-to-Value Up to 120 Months as low as 5.49% APR*
($349 application fee)
2nd Mortgage (Fixed) Term APR*
Up to 90% Loan-to-Value Up to 120 Months as low as 5.99% APR *
($349 application fee)
Pledged Savings Loan
As low as 4% over current savings rate (APY) with a Minimum APR of 4%*
Types of Education Loan
Click here for more information

 

* Rates will be determined based on credit score, loan amount and other factors. Call Credit Union for full details

Cove Federal Credit Union is an Equal Housing Lender and does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.