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RATES
Rates are based on established credit history.
Your rate may be higher based on your credit qualifications.
Certain terms and restrictions may apply. All rates are subject to change
without notice.
Talk to your Bluestem
Community Credit Union representative for more information.
Auto Loan Special :
4.99% on auto loans 60 Months
terms 05 and New Vehicles....
Everyday Rates / effective 05/24/08
| Description |
Approximate
Term
(Months) |
Annual
Percentage Rate(AS LOW AS) |
| LOANS |
|
|
| Signature |
up to 30 |
10.40% |
| Special loan Rate on 05 and Newer |
60 |
4.99% |
| New Vehicle/RV/Cycle/05
& Newer |
60 |
5.45% |
| 2005-2007
Only |
72 |
6.40% |
|
RV Only |
84 |
8.25% |
|
Used Vehicle |
|
|
|
2001-2004 up to |
60 |
6.75% |
|
1999-2000 |
48 |
6.75% |
|
(amounts over $15,000) |
60 |
8.60% |
|
1996-1998 |
36 |
9.00% |
|
Amounts over $10,000 up to |
48 |
9.25% |
|
1995 and older |
36 |
8.95% |
|
Other Secured -
New up to |
36 |
9.60% |
| Visa Credit Card |
|
12.50% |
|
SHARES |
|
Rate |
APY |
|
SHARE SAVINGS |
|
1.35% |
1.35% |
|
INTEREST BEARING CHECKING |
|
.90% |
.90% |
|
MONEY MARKET CHECKING |
On amounts $2500.00 to $9999.00 |
1.65% |
1.65% |
|
|
$10,000.00 to $24999.00 |
2.15% |
2.15% |
|
|
$25000.00 and OVER |
2.35% |
2.35% |
|
CHRISTMAS CLUB ACCT |
$5.00 TO $5000.00 |
3.68% |
3.75% |
|
|
|
|
|
|
REGULAR IRA'S NO MINIMUM/TERM |
|
2.77% |
2.80% |
|
|
|
|
|
|
CD RATES (Effective 05/24/08) |
|
|
|
| Balances: $1,000 -
$99,999 |
Months |
Rate |
APY |
| |
6 |
2.47% |
2.50% |
| |
12 |
2.47% |
2.50% |
| |
18 |
2.47% |
2.50% |
| |
24 |
2.47% |
2.50% |
| |
30 |
2.47% |
2.50% |
| |
|
|
|
|
Money Market Checking Rates |
|
Rate |
APY |
| $2,500 - $9,999 |
|
1.64% |
1.65% |
| $10,000 - $24,999 |
|
2.13% |
2.15% |
| Over $25,000 |
|
2.33% |
2.36% |
| |
|
|
|
| |
|
|
|
Shared Secured
The annual Percentage Rate (APR) for share secure advances will be the dividend
rate paid rate paid on the regular shares (index) from the previous quarter plus
a 3% (margin). If there is an existing balance on the date of the new advance,
the existing balance will be added to the new balance and the entire balance
will be at the new APR. The rates are subject to change quarterly on the first
day of January, April, July and October to reflect any change in the index. Any
increase in the APR will take the form of a higher payment.
| Description |
Approximate
Term
(Months) |
Daily
Periodic Rate |
Annual
Percentage Rate |
| Share Balances:
$25.00 and over |
up to 96 |
0.010959% |
4.35% |
Certificate Secured
The Annual Percentage Rate (APR) and daily periodic rate will be disclosed
on the voucher at the time of the advance. The APR will be the dividend rate
being paid on the Certificate of Deposit offered a security (index) plus 2.0%
(margin.) The approximate term of the loan may not exceed the term of the
certificate.
Discount
The Credit union will discount your rate .15% if the member has direct deposit
and automatic loan payment from a Bluestem Sharedraft account.
Collection Costs
You promise to pay all costs of collecting the amount you owe under this
Agreement, including court costs and reasonable attorney fees paid to an
individual who is not an employee of the credit union. The amount you pay will
not exceed 15% of the unpaid debt after default.
Filing Fees
You may be charged a lien filing fee at the time of an advance if the Credit
Union takes a security interest in your collateral. The amount of the filing
fee will be disclosed in the voucher.
Late Charges
If you are more than 10 days late in making a payment, you may be charged a late
charge equal to 5% of the payment, with a minimum charge of $9.00 and a maximum
charge of $25.00.
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