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UNITY FEDERAL CREDIT UNION |
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RATE SCHEDULE
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EFFECTIVE OCTOBER 1, 2011 SHARE CERTIFICATE RATES |
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| RATES | YIELDS | ||||||
| 1 Year | .75% | .75% | |||||
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Share Certificate rates and dividend on Share Account Savings are subject to change monthly. |
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| LOAN RATES | |||||
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| Tier 1 | Tier 2 | Tier 3 | |||
| Unsecured | 12.00% | 13.50% | 15.00-17.50% | $8,000.00 | 36 Mos. |
| Holiday Loans | 12.00% | 13.50% | 15.00-17.50% | $2,500.00 |
12 Mos. |
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Holiday Specials~ New Auto 2010-11-12* |
No Credit Check 4.35% |
$1,500.00 4.60% |
One Yr @ 17.50% 4.95-6.95% |
100% Value |
72 Mos. |
| New Auto 2010-11-12* | 3.75% | 4.00% | 4.35-6.35% | 100% Value | 60 Mos. |
| Used Auto 2007-08-09* | 5.45% | 5.70% | 6.05-8.05% | 100% Value | 48 Mos. |
| Used Auto 2007-08-09* | 5.75% | 6.00% | 6.35-8.35% | 100% Value | 60 Mos. |
| Used Auto 2004-2006* | 6.75% | 7.00% | 7.35-9.35% | 100% Value | 36 Mos. |
| Credit Cards | 9.25% | 11.25% | 13.25% | ||
| Limits | $6,000.00 | $4,000.00 | $2,000.00 | ||
| Home Equity *** | 6.00% | 6.75% | 7.75% | 2 - 10 Years | |
| Home Equity *** | 8.00% | 8.75% | 9.75% | 10 - 20 Years | |
| New Recreational** | 9.15% | 9.40% | 9.75-11.75% | 60 Mos. | |
| Used Recreational** | 11.50% | 11.75% | 12.10-14.10% | 48 Mos. | |
| Shared Secured | 9.00% | 9.00% | 9.00% | 36 Mos. | |
*Unity Federal Credit Union holds encumbered title and must be listed as Lienholder on the insurance policy, maximum $1000 deductible. A copy of the insurance policy must be received by the credit union. |
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| **Recreational Loans includes BOAT LOANS with title and insurance as stated above. |
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| ***Minimum Home Equity are $10,000.00 -Max. $75,000.00. Will finance up to 80% of appraised value minus 1st mortgage. |
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Minimum unsecured loan new or refinanced is $500.00. ~Holiday and Vacation Specials: Due to the no credit check on the Specials, members must be PSEG employee for a minimum of one year,must be payroll deducted, signed application must have 2 consecutive weeks paystub with 40 or 80 regular hours of pay and a must be a member in good standing. |
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