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RATES |
All rates stated as Annual Percentage Rate (APR) | |
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| Auto Loans as low as 1.99% |
| Power Sport Vehicles as low as 2.99% |
| Other Recreational Vehicles as low as 3.74% |
| Signature as low as 6.50% |
| Overdraft Protection Line of Credit as low as 10.00% |
| Share or Certificate Secured Dividend Rate plus 2.00% |
| Visa Credit Card as low as 7.99% |
| Home Equity, Home Equity Line of Credit and Mortgages Available - Contact Jason |
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Savings Rates
This Truth-In-Savings (TIS) Rate and Fee Schedule for your Savings (Share) and Checking Accounts sets forth certain conditions, rates, fees, and charges applicable to your Primary Savings (Share) Account, your Secondary Savings (Share) Accounts including your Individual Retirement Account, your Share Certificate Accounts and your Checking (Share Draft) Accounts at Laramie Plains Community FCU as of the date set forth on top of this form. This Rate and Fee Schedule is incorporated as a part of your Account Agreement with Laramie Plains Community FCU. Additional Truth-In-Savings Disclosures are set forth in your new account packet. Fees could reduce the earnings on the account.
TRUTH-IN-SAVING / RATE SCHEDULE
TYPE OF ACCOUNT |
PROSPECTIVE DIVDEND RATE |
FOR PERIOD |
PROSPECTIVE ANNUAL PERCENTAGE YIELD (APY) |
MINIMUM AVERAGE DAILY BALANCE REQUIREMENTS |
Primary savings (share) |
.10% |
Jan 2014 |
.10% |
$50.00 |
Secondary Savings, Cash for College |
.10% |
Jan 2014 |
.10% |
N/A |
Jr. Explorer,
Christmas |
.15% |
Jan 2014 |
.15% |
5.00-Jr. Explorer
25.00-Christmas |
Ultimate Checking
$0-$15,000 Meets Req |
2.75% |
Jan 2014 |
2.75% |
N/A |
Ultimate Checking
Over $15,000 Meets Req. |
.10% |
Jan 2014 |
.10% |
N/A |
Ultimate Checking
Does not meet Req. |
.05% |
Jan 2014 |
.05% |
N/A |
Dividends on all savings will be compounded and credited Monthly. Dividend period-calendar Monthly. The dividend rate and APY may change monthly as determined by the Laramie Plains Community FCU board of directors. |
Money Market
$2500-$9,999 |
.10% |
Jan 2014 |
.10% |
$2500.00 |
Money Market
$10,000-24,999 |
.20% |
Jan 2014 |
.20% |
$2500.00 |
Money Market
$25,000+ |
.25% |
Jan 2014 |
.25% |
$2500.00 |
Transaction limitations: Limit of withdrawals or transfers is six (6) in a calendar month. Dividends will be compounded and credited Monthly. The dividend rate and APY may change monthly as determined by the Laramie Plains Community FCU Board of Directors. |
Individual Retirement account (IRA) |
1.00% |
Jan 2014 |
1.00% |
Minimum average daily
balance-$100.00
|
Dividends on IRA shares will be compounded and credited quarterly. Dividend period is a calendar quarterly. Also, certificates are available under the IRA program. The dividend rate and APY may change monthly as determined by the Laramie Plains Community FCU board of directors. |
TYPES OF SHARE CERTIFICATE ACCOUNTS (REGULAR SHARES, IRA AND ***BUMP UP) |
TERMS |
DIVIDEND RATE |
FOR PERIOD |
ANNUAL PERCENTAGE YIELD (APY) |
MINIMUM BALANCE REQUIREMENTS |
**3-MONTHS |
.25% |
N/A |
.25% APY* |
$500.00 |
**6-MONTHS |
.35% |
N/A |
.35% APY* |
$500.00 |
12-MONTHS |
.50% |
N/A |
.50% APY* |
$500.00 |
18-MONTHS |
.65% |
N/A |
.65% APY* |
$500.00 |
24-MONTHS |
0.85% |
N/A |
0.85% APY* |
$500.00 |
36-MONTHS |
1.04% |
N/A |
1.05% APY* |
$500.00 |
48-MONTHS |
1.24% |
N/A |
1.25% APY* |
$500.00 |
60-MONTHS |
1.54% |
N/A |
1.55% APY* |
$500.00 |
**Certificates not available for bump up. ***Will not renew at maturity, one bump up until maturity, can make additional deposits.. Renewed automatically. Dividends compounded and credited the last day of the month and at maturity. Option for dividend payment designation upon certificate opening. 90 days of dividends for 3, 6 & 12 month, 180 days of dividends for 18, 24, 36, 48 & 60-month share certificates will be assessed when funds are withdrawn prior to maturity. *Annual percentages yield Declaration dates: Regular shares dividends effective 1/2014: Share certificates dividends as of 1/2014.
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