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Effective Date: August 14, 2008
WE NOW OFFER "PERFORMANCE REWARD PRICING"
YOUR RATE IS DETERMINED BY YOUR SCORE
WARNING: WE WILL NEVER SOLICIT PERSONAL, PRIVATE OR FINANCIAL INFORMATION FROM YOU VIA E-MAIL. BE CAREFUL FOR PHISHING SCAMS!
| APY* | Dividend Rate | |
| Regular Shares (minimum balance to open and receive dividends is $5.00) | ||
|
.50% | .50% |
| $5,000.00 and over | .50% | .50% |
| Club accounts** | .50% | .50% |
| Share Draft (Checking) accounts** | ..25% | .25% |
| Fees and/or withdrawals may reduce earnings on these accounts | ||
| *APY is Annual Percentage Yield | ||
| ** No minimum balance is required to open and receive dividends. | ||
Savings & Investment Resources
Click here to calculate dividends
| APY** | Dividend Rate | |
| 6 months ($1,000.00 minimum balance to open and receive dividends) | 2.65% | 2.62% |
| 12 months ($1,000.00 minimum balance to open and receive dividends) | 2.75% | 2.72% |
| 18 months ($1,000.00 minimum balance to open and receive dividends) | 2.85% | 2.82% |
| 24 months ($1,000.00 miniumum balance to open and receive dividends) | 2.95% | 2.91% |
| 30 months ($1,000.00 minimum balance to open and receive dividends) | 3.00% | 2.96% |
| 36 months ($1,000.00 minimum balance to open and receive dividends) | 3.10% | 3.06% |
| 48 months ($1,000.00 minimum balance to open and receive dividends) | 3.20% | 3.15% |
| 60 months ($1,000.00 minimum balance to open and receive dividends) | 3.30% | 3.25% |
| * Early withdrawal penalties may be imposed if such a withdrawal is made prior to maturity. Fees and/or withdrawals may reduce earnings on these accounts. | ||
| **APY is Annual Percentage Yield (compounded rate) | ||
Savings & Investment Resources
Click here to calculate dividends
| APY | Dividend Rate | |
| IRA Account | 2.53% | 2.50% |
| IRA Certificate (18 months) | 2.85% | 2.82% |
| No minimum balance requirement . Fees and/or withdrawals may reduce earnings on these accounts | ||
| No monthly service charge. APY is Annual Percentage Yield. | ||
Savings & Investment Resources
Click here to calculate dividends
| Interest Rates (Annual Percentage Rate)*** | |
|
USED - TITLED VEHICLES |
|
|
2008-2007-2006-2005-2004 up to 72 mo. ($20,000 or over or 4x4 vehicle) |
6.25% to 10.50% |
| 2008-2007-2006-2005-2004 up to 60 mo. | 5.65% to 9.90% |
|
2003-2002-2001 up to 48 mo. (can add 12 months if over $10,000 or 4x4) |
6.75% to 11.00% |
| 2000 & older up to 30 mo. (can add 12 months if over $10,000 or 4x4) | 8.50% to 12.75% |
|
2000 & older need a picture & visual inspection |
|
|
NEW - TITLED VEHICLE LOANS |
(2007-2008) |
| Up to 48 months | 5.00% to 9.25% |
| Up to 60 months | 5.25% to 9.50% |
| Up to 72 months ($20,000 or over or 4x4 vehicle) | 5.75% to 10.00% |
|
BOATS, LAWN TRACTORS, FARM TRACTORS, DIRT BIKES (will go 120 mo. with a 5-year balloon - boats over $15,000 add 1% to 5 year rate) |
|
| Up to 36 months | 7.00% to 11.25% |
| Up to 48 months | 7.50% to 11.75% |
| Up to 60 months | 8.00% to 12.25% |
|
Snowmobiles |
|
| Up to 36 months | 7.25% to 11.50% |
| Up to 48 months | 8.00% to 12.25% |
| Up to 60 months | 8.50% to 12.75% |
| *** APR is the Annual Percentage Rate | |
Loan & Credit Management Resources | Online Auto Buying
Click here to calculate loan payments | Click here for Loan Application | Click here for Credit Insurance and GAP calulators
| Interest Rates (Annual Percentage Rate) | |
| 1st Mortgage (Up to $150,000) $200 application fee is due when the application is approved and is non-refundable. | 25 year maximum term - 80% LTV |
| 5 year balloon | up to 180 months 5.50% |
| 5 year balloon | up to 240 months 5.75% |
| 5 year balloon | up to 300 months 5.90% |
| 2nd Mortgage (up to $150,000) $200 application fee due at time of application | 20 year maximum term |
| Construction Loan-$500 application fee due at time of application | 1.5% above 5 yr (180 months) balloon rate |
| Fixed up to 9 years - 6.25% | |
Loan & Credit Management Resources | Home Buying & Improvement Resources
Click here to calculate loan payments | Click here for Loan Application | Click here for Credit Insurance and GAP calulators
|
MOBILE HOME LOANS |
Interest Rates (Annual Percentage Rate) |
|
NEW - 10% down |
(Current Model Year With No Prior Owners) |
| Up to 10 years | 8.50% to 12.75% |
| Up to 15 years | 9.50% to 13.75% |
| Up to 20 years | 10.25% to 14.50% |
|
USED - 10% down |
|
| Up to 10 years | 9.50% to 13.75% |
| Up to 15 years | 10.50% to 14.75% |
| No mobile home made prior to 1977 will be financed. | |
Motorhomes, Travel Trailers, & Campers
(up to 100% financing)
| LOAN AMOUNT | TERM | * Annual Percentage Rate |
| New | ||
| 2008-2005 |
60 months |
5.65% to 9.90% |
| 2008-2005 | 84 months | 6.65% to 10.90% |
| Balloon Rates | ||
| 2008-2005 (5 year balloon) | 120 month payout | 6.00% to 10.25% |
| 2008-2005 (5 year balloon) | 180 month payout | 7.00% to 11.25% |
| Used | ||
| 2007-2000 | 60 months | 7.25% to 11.50% |
| 2007-2000 | 84 months | 8.00% to 12.25% |
| Balloon Rates | ||
| 2007-2000 (5 year balloon) | up to 84 months | 7.50% to 11.75% |
| 2007-2000 (5 year balloon) | up to 120 months | 8.50% to 12.75% |
| 1999-1996 | up to 72 months | 8.50% to 12.75% |
| 1995 & older | up to 60 months | 9.50% to 13.75% |
Loan & Credit Management Resources
Click here to calculate loan payments | Click here for Loan Application | Click here for Credit Insurance and GAP calulators
|
VISA |
Interest Rates (Annual Percentage Rate) |
|
No Annual Fee |
12.90% CLASSIC - 8.90% PLATINUM |
| VISA minimum Payments are 4% of outstanding balance |
Loan & Credit Management Resources
Click here to request a VISA Application
|
MISCELLANEOUS LOANS |
Interest Rates (Annual Percentage Rate) |
| Personal | 24 month - 7.75% to 12.00% |
|
Personal |
36 month - 9.00% to 13.25% |
| Personal | 48 month - 9.50% to 13.75% |
| Revolving Credit | 14.50% |
| Share Secured | 4.00% (60 MO. MAX OR BALLOON AVAILABLE) |
| Secured by Certificate | 2.00% above S.C. rate. |
| One payment note - titled collateral (purchase money only!) | Corresponding rate of collateral |
| One payment note - untitled collateral (purchase money only!) | 9.00% to 13.25% |
| One payment note - personal | 10.50% to 14.75% |
Loan & Credit Management Resources
Click here to calculate loan payments | Click here for Loan Application | Click here for Credit Insurance and GAP calulators
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Copyright©, Great Lakes First FCU, 2000
Duplication of information found within this site, is prohibited without express written permission from Great Lakes First FCU. Any modification or redistribution of the material within is a violation of applicable copyright laws. Information is subject to change without notice. Additional restrictions may apply.
Great Lakes First FCU
2110 Third Avenue North
Escanaba, MI 49829
Phone (906) 786 - 4623
Fax (906) 786 - 6724
