Risk-Based | Savings | Certificate
Loan rates effective as of 6/01/10
|
Signature & Line of Credit Loans
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| Open-end term |
10.25% |
12.25% |
15.25% |
16.25% |
New Vehicle Rates
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| Term based on age of vehicle and amount financed |
4.99% |
6.25% |
7.25% |
8.25% |
Used Vehicle Rates
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| Term based on age of vehicle and amount financed |
5.25% |
6.50% |
7.50% |
8.50% |
Necessity Transportation
| Credit Rating |
New auto
APR*
|
Used auto
APR*
|
| Maximum amount financed is $7,500. Maximum mileage of 80,000. No age limitation. |
9.25% |
9.25% |
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| |
|
|
|
|
Share Secured Loans
| Credit Rating |
A
APR* |
| Term up to 5 years |
3.00% |
CD Secured Loans
| Credit Rating |
A
APR* |
| variable, always 2% above CD rate up to 5 years |
CD rate + 2% |
New Boats and Motorcycles
| Credit Rating |
A
APR* |
B
APR* |
| Term based on amount financed |
5.25% |
6.25% |
Used Boats and Motorcycles
| Credit Rating |
A
APR*
|
B
APR*
|
| Term based on amount financed and age of vehicle. |
5.50% |
6.50% |
*APR = Annual Percentage Rate
Credit Cards
| Visa Classic Credit Card [rate effective 3/5/09] |
6.65%* = WSJ prime rate + 3.40% |
|
Visa Secured Credit Card [rate effective 3/5/09]
|
4.75%* = WJS prime rate + 1.50% |
*Go To Loan Application | Go To Calculators | Back to Top
*APY = Annual Percentage Yield
Rate quoted is dividend rate for 2nd quarter 2010.
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|
| Certificates |
Minimum Deposit |
Dividend Rate |
APY* |
Term |
| 30 days through 5 months - < $10,000 |
$500
|
1.00% |
1.00% |
5 |
| 6 months through 11 months - < $10,000 |
$500
|
1.25% |
1.26% |
11 |
| 12 months through 17 months - < $10,000 |
$500
|
1.50% |
1.51% |
17 |
| 18 months through 23 months - < $10,000 |
$500
|
1.50% |
1.51% |
23 |
| 24 months - < $10,000 |
$500
|
1.75% |
1.76% |
24 |
| 30 days through 5 months - > $10,000 |
$10,000
|
1.25% |
1.26% |
5 |
| 6 months through 11 months - > $10,000 |
$10,000
|
1.50% |
1.51% |
11 |
| 12 months through 17 months - > $10,000 |
$10,000
|
1.75% |
1.76% |
17 |
| 18 months through 23 months - > $10,000 |
$10,000
|
1.75% |
1.76% |
23 |
| 24 months - > $10,000 |
$10,000
|
2.00% |
2.02% |
24 |
| IRA CD - 12 month |
$500
|
2.25% |
2.00% |
12 |
| IRA CD - 24 Month |
$500
|
2.75% |
2.75% |
24 |
|
Rates effective 6/1/2010 - *APY = Annual Percentage Yield
There is a 2% interest penalty for early withdrawal. Example: if a certificate is purchased at the interest rate of 6% and the member redeems early, the certificate will earn only 4% for the exact number of days the certificate was outstanding. Member will never lose the principal.
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FEES
|
Excessive Withdrawal Fee
Statement Copy - System/Research
Money Order Fee
American Express Traveler's Checque Fee
American Express Traveler's Checques for Two Fee
American Express Travel Card [reloadable]
American Express Gift Checque
American Express Gift Card
Early Withdrawal Fee on Christmas Club account
Wire Transfer [outgoing] no charge for incoming wires
International Wire [outgoing] no charge for incoming wires
Minimum Balance Charge on Interest Checking Accounts
NSF Fee [checks writte, ACH transactions]
NSF Fee deposited items [returned checks that are deposited or cashed]
Member Privilege™ fee
Overdraft Fee/Checkings Accounts
Stop-payment Fee
Stop-payment Fee on lost or stolen cashier's checks
Check Image Charge/Checking Accounts
Copy of Cashier's Check-Regular Share and/or Checking Account
ATM Use charges on a Foreign Machine
Lost ATM or VisaCheckcard Replacement
Reorder Pin for ATM or Visa Checkcard
Reconcile Checking Statement [per instance]
Check Cashing Fee [foreign personal check]
Check withdrawal not payable to the member
Merchant check/replacement of member check
Account research fee
Bill Payment Service fees:
Monthly serivce fee
Written correspondence to Payee
Per proof of payment not necessitated by dispute [check copy]
Reinstatement fee
Expedited payment fees: Overnite fee
Expedited payment fees: 2nd day fee
Gift check per item fee
Charitable donations per item fee
|
2 trx free/mo. then $2.00/transaction
$1.00/system - $2.00 research
$2.00 per money order
$2.00 per $100
$2.50 per $100
$14.95 per card
$2.00 per cheque
$3.95 per card
$5.00
$12.00
$40.00
$3.00 per month
$20.00 each item
$20.00 each item
$20.00 each item
$5.00
$20.00
$20.00
$2.00 per check
$2.00 per check
$1.00 per w/d-$0.50 per inquiry
$5.00 per card
$1.00 per PIN
$15.00
$1.00
$2.00
$5.00
$15.00
$0.00
$10.00
$10.00
$50.00
$14.95
$9.95
$2.99
$1.99
|
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|
BCBSNC Credit Union is federally insured by the National Credit Union Administration [NCUA].
