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Share Dividend Rates

Account Balance
Dividend Rate
APY
5.00 - 5,000.00
0.40%
0.40%
5,000.01 - 15,000.00
0.80%
0.80%
15,000.01 - 25,000.00
1.40%
1.41%
25,000.01 - 50,000.00
1.60%
1.61%
50,000.01 - 75,000.001.80%1.82%
75,000.01 - UP1.80%1.82%
IRA's2.00%2.02%

APY is Annual Percentage Yield
Service fees charged to your account may result in a reduction of your APY.
Dividend Rates Are Revised and Subject to Change Monthly
Dividend Rates are effective July 1, 2008

Loan Rates

All loan rates (except Share Secured loans) are determined based on Beacon Credit Scores. Ratings of A, B, C or D are determined as shown in the table below:

Rating
Beacon
Credit Score
Unsecured
Limit
Down Payment
on Autos
A
680 & up
33%
No
B
640-679
25%
No
C
600-639
15%
No
D
599 & below
10%
10%

Mortgages and Home Equity Loans

Type
Term
Rates (APR) by Rating
A
B
C
D
Home Equity
$10,000 No Equity
Up to 60
Months
6.75%
9.25%
11.85%
13.00%
Home Equity
80% of Equity
Up to 60
Months
5.75%
6.75%
9.35%
12.75%
61 to 120
Months
7.15%
8.10%
11.55%
14.00%
First Mortgage
90% Purchase Price
Up to 120
Months
5.25%
6.25%
8.50%
10.50%
121 to 240
Months
6.65%
7.65%
9.75%
11.75%
241 to 360
Months		7.65%8.65%10.75%12.75%

APR is Annual Percentage Rate

Auto Loans

Type
Term
Rates (APR) by Rating
A
B
C
D
New Auto
2007-2008
Up to 36 Months
5.00%
6.00%
10.95%
12.35%
37 to 48 Months
5.25%
6.25%
11.35%
12.70%
49 to 60 Months
5.50%
6.50%
11.80%
13.05%
61 to 72 Months
5.75%
6.75%
12.00%
13.00%
Used Auto
2002-2006
Up to 36 Months
6.25%
7.25%
13.50%
14.50%
37 to 48 Months
6.50%
7.50%
14.00%
15.00%
49 to 60 Months
6.75%
7.75%
14.00%
15.00%
Used Auto
2001-Older
Up to 36 Months
6.75%
7.75%
13.75%
14.50%
37 to 48 Months
7.35%
8.35%
14.00%
15.00%
49 to 60 Months
7.75%
8.75%
14.00%
15.00%

APR is Annual Percentage Rate

Unsecured Loans and Lines of Credit


Rating A B
Maximum $15,000 $12,500
Term Up to 36 Months 37 to 60 Months 61 to 72 Months Up to 20 Months 21 to 40 Months 41 to 60 Months
Rate (APR) 8.00% 9.00% 10.00% 9.00% 10.00% 11.00%

APR is Annual Percentage Rate

Rating C D
Maximum $5,000 $2,000
Term Up to 12 Months 13 to 24 Months 25 to 36 Months Up to 12 Months 13 to 24 Months
Rate (APR) 11.50% 12.35% 13.50% 15.00% 15.00%

APR is Annual Percentage Rate

Share Secured Loans


Share Secured Loans
Up to 60 Months
5.00% APR

APR is Annual Percentage Rate

16.00% APR on all High Risk loans.


NCUA LogoThis credit union is federally insured by the National Credit Union Administration.

Equal Housing LogoWe do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Most recent revision: November 6, 2008
Copyright © 2002 - 2008
Jamestown Area Community Federal Credit Union.
All Rights Reserved.
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