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Rates Worth Watching
A look at just some of our current rates.
Share Certificate rates
|
Term
|
Minimum
|
APY1
|
|
180 days
|
$2500
|
2.550% |
|
6 months
|
$500
|
2.300%
|
|
12 months
|
$500
|
2.500%
|
|
24 months
|
$500
|
2.750% |
|
36 months
|
$500
|
3.000% |
|
60 months
|
$500
|
3.750%
|
 Look at this
rate! are currently offering 3.250% APY1 on a 36 month
share certificate with a minimum deposit of $5,000 in new funds. For a limited time get
3.250% APY1 on a 24 month share certificate with a minimum deposit of $5,000 in new funds. Or choose
a 12 month certificate with a $5,000 minimum deposit and receive 3.000% APY1
money Account
This money market account offers access to your funds, yet at the same time
gives you a rate near our CDs. Current APY is 1.30% with a minimum
balance of $5,000, and for balances over $25,000 the APY is 2.30%.1
Car Loans
Our car loan interest rates are so low, we even charge the same rate on
most used cars as we do on the new ones! Our auto loan rates are as low as:
| Model Year |
Maximum Term |
APR |
Sample Payment |
| 2003 & Newer |
60 months |
5.90%3 |
$19.292 |
| 1999 - 2002 |
48 months |
7.50%3 |
$24.192 |
| 1990 - 1998 |
36 months |
9.90%3 |
$32.242 |
Look at
this rate! Is the dealer offering you a better rate on a new or used
vehicle? We will try to beat the
dealer rate (maximum reduction 100
basis points)!
Top of page
Credit Cards
Our Visa credit cards offer low rates and fees. To apply for a
credit card click on the card in the first row of the table below.
|
Disclosure Table for Community
Plus Federal Credit Union Visa Cards
|
Platinum Plus
|
Platinum
|
Classic
|
First Step
|
|
Annual percentage rate (APR) for
purchases
|
9.99%
|
11.90%
|
12.72%
|
12.72%
|
|
Annual percentage rate (APR) for cash
advances
|
9.99%
|
11.90%
|
12.72%
|
12.72%
|
|
Grace period for repayment of the
balance for purchases
|
33
|
33
|
33
|
33
|
|
Grace period for repayment of the
balance for cash advances
|
33
|
33
|
33
|
33
|
|
Method of computing the balance for
purchases
|
Average
daily balance for all plans
|
|
Method of computing the balance for
cash advances
|
Average
daily balance for all plans
|
|
International currency transaction fee |
1% for all plans |
|
Annual fees
|
None
|
None
|
None
|
$20
|
|
Minimum finance charge
|
None
|
None
|
None
|
None
|
|
Transaction fee for purchases
|
None
|
None
|
None
|
None
|
|
Transaction fee for cash advances
|
None
|
None
|
None
|
None
|
Late-payment fee: $15.00,
Over-the-credit-limit fee: $15. This information is accurate as of March 31,
2008 and is subject to change after that date. Please contact the credit
union at (217) 893-8201 for any changes to this information.
Top of page
Share Account Rates
The current rate for our standard share accounts as
declared for March 31, 2008 is .50% APY. These dividends are
declared quarterly.
Footnotes
- APY means Annual Percentage Yield. There may be a
considerable penalty for early withdrawal of certificates. Rates accurate as
of November 7, 2008.
- Sample payments are based on $1000 financed for the term
and Annual Percentage Rate (APR) indicated in the table. Rates accurate as
of November 7, 2008.
-
These interest rates include a ¼% discount for direct payment & ¼% for two
additional Plus services such as checking, ATM/debit card, CD, Visa, loan,
etc. Persons who have had credit problems may be charged a higher interest
rate. See staff for details. Rates accurate as of November 7, 2008.
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