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Annual Meeting Notice
The Credit Union annual meeting will be held Monday March 29th at Casa Nova Restaurant, located at 3041 Military Road, Niagara Falls, NY from 4:00 pm to 7:00 pm. Food and Beverages will be served.
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| Shares, IRA shares, Christmas & Vacation Clubs: |
| Rates quoted in Annual Percentage Yield (APY) |
| $5.00-$100.00 |
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0.00% APY |
| $100.01-$750.00 |
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0.25% APY |
| $750.01-$1,500.00 |
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0.50% APY |
| $1,500.01-$3,000.00 |
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0.75% APY |
| $3,000.01 and over |
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1.00% APY |
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| Share and IRA Certificate Rates: |
| 12 Month CD |
(minimum balance $500.00) |
0.75% APY |
| 18 Month CD |
(minimum balance $500.00) |
1.00% APY |
| 24 Month CD |
(minimum balance $500.00) |
1.26% APY |
| 30 Month CD |
(minimum balance $1,000.00) |
1.51% APY |
| 1 Year Jumbo CD |
(minimum balance $25,000.00) |
2.52% APY |
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Penalties for early withdrawal of Certificates are 30 days dividends for 12, 18 and 24 month CD's and 90 days dividends for the 30 month and Jumbo CD's.
The above rates may change periodically, please call for current rates. |
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| Loan Rates: |
| Rates quoted in Annual Percentage Rates (APR) |
| Share Secured |
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4.75% APR |
| Master card |
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8.90% APR |
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| The following rates may be higher based on your credit score: |
| New & Used auto 3 years or less |
5.50% APR |
| New & Used autos 3 years to 5 years |
5.75% APR |
| New Autos 6 years |
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6.00% APR |
| Recreational Vehicles |
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7.50% APR |
| Personal (unsecured) |
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10.00% APR |
| Overdraft Line of Credit |
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10.00% APR |
| Anytime Loan (1 year maximum term) |
9.00% APR |
| Home Equity |
7.00% APR |
| Home Improvement |
7.00% APR |
| 1st Mortgages** (call office for current rates) |
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