| |
 |
Regular Shares
|
|
Minimum Balance |
Dividend Rate |
Annual Percentage Yield |
| $25.00-$1,999.99 |
$25.00 |
0.10% |
0.10% |
| $2,000.00-$9,999.99 |
$2,000.00 |
0..20% |
0.20% |
| $10,000.00-$24,999.99 |
$10,000.00 |
0.30% |
0.30% |
| $25,000.00-$49,999.99 |
$25,000.00 |
0.40% |
0.40% |
| $50,000.00 And Up |
$50,000.00 |
0.50% |
0.50% |
-
$25 minimum to open account
-
$1 one time membership fee
-
Rates are effective December 31, 2011 and are subject to change without notice including after an account is opened
-
Regular Shares require a $25 minimum balance at all times
-
Fees could reduce the earnings on the account
-
For more information, please contact the Credit Union at (575) 748-9779
Share Draft / Checking
|
Dividend Rate
|
Annual Percentage Yield
|
|
0.00
|
0.00
|
Share Certificates
|
Term
|
Minimum Deposit
|
Dividend Rate
|
Annual Percentage Yield
|
| 6 month |
$5,000.00 |
0.40% |
0.40% |
| 12 month |
$5,000.00 |
0.60% |
0.60% |
| 24 month |
$5,000.00 |
0.95% |
0.95% |
| 36 month |
$5,000.00 |
1.20% |
1.20% |
| 48 month |
$5,000.00 |
1.30% |
1.31% |
| 60 month |
$5,000.00 |
1.65% |
1.66%
|
-
$5,000.00 Minimum Deposit
-
Early Withdrawal Penalty- 90 Days Dividend
-
Rates are effective December 31, 2011 and are subject to change without notice
-
Certificates which are automatically renewed will receive the rate in effect on the renewal date, which may be different from the renewing certificate rate
-
Fees could reduce the earnings on the account
-
For more information contact the credit union at (575)748-9779.
IRA Shares
|
Amount
|
Dividend Rate
|
Annual Percentage Yield
|
|
$25.00-$9,999.99
|
0.35
|
0.35
|
|
$10,000.00-24,999.99
|
0.55
|
0.55
|
|
$25,000.00-49,999.99
|
0.75
|
0.75
|
|
$50,000.00 and up
|
1.00
|
1.00
|
IRA Certificates
|
Term
|
Dividend Rate
|
Annual Percentage Yield
|
|
12 Month
|
0.70
|
0.70
|
|
24 Month
|
0.90
|
0.90
|
-
Rates are effective December 31, 2011 and are subject to change without notice
-
Fees could reduce the earnings on the account
-
For more information contact the credit union at (575)748-9779.
Money Market Accounts
(Big Dog Investor)
|
Amount
|
Dividend Rate
|
Annual Percentage Yield
|
|
$1,000.00-24,999.99
|
0.20
|
0.20
|
|
$25,000.00-49,999.99
|
0.30
|
0.30
|
|
$50,000.00-99,999.99
|
0.40
|
0.40
|
|
$100,000.00-199,999.99
|
0.50
|
0.50
|
|
$200,000.00 and above
|
0.60
|
0.60
|
For all Share Accounts, Dividends are paid quarterly.
Artesia Credit Union lending is on a risk based scale. If you have questions on how this affects you, please contact your loan officer.
*APR refers to Annual Percentage Rate
AUTO LOANS
|
LOAN TYPE AND TERM
|
RATE APR*
|
|
New Auto (Up to 60 Months)
|
1.99-13.74%
|
|
New Auto (61-72 Months)
|
$20,000 & > 3.99-14.74%
|
|
New Auto (73-84 Months)
|
$30,000 & > 4.99-7.49%
|
|
Used Auto (2010-2012)
|
Same as new auto
|
|
Used Auto (2003-2009)
|
3.49-18.00%
|
|
Used Auto (2001 and older)
|
4.49-18.00%
|
- Rates are effective December 31, 2011 and are subject to change without notice
- Up to 125% Financing
- Rates and terms are based on your credit history
- An example of a payment is $194.55 monthly for a $10,000 loan at 6.25% for 60 months. Please click on calculators for other payment options or call your loan officer at (575) 748-9779.
RECREATIONAL VEHICLES
|
New & Used
|
A+ *APR
|
A *APR
|
B *APR
|
C *APR
|
D *APR
|
E *APR
|
|
36 Months
|
5.25%
|
5.50%
|
6.75%
|
8.75%
|
11.75%
|
13.75%
|
|
48 Months
|
5.75%
|
6.00%
|
7.25%
|
9.25%
|
12.25%
|
14.25%
|
|
60 Months
|
6.25%
|
6.50%
|
7.75%
|
9.75%
|
12.75%
|
14.75%
|
|
72 Months
|
6.50%
|
6.75%
|
8.00%
|
10.00%
|
13.00%
|
15.00%
|
|
84 Months
|
6.75%
|
7.00%
|
8.25%
|
10.25%
|
13.25%
|
15.25%
|
|
96 Months
|
7.00%
|
7.25%
|
8.50%
|
10.50%
|
13.50%
|
15.50%
|
PERSONAL LOANS
|
|
A+ *APR
|
A *APR
|
B *APR
|
C *APR
|
D *APR
|
E *APR
|
|
Up to 60 Months
|
9.00%
|
10.00%
|
14.00%
|
16.00%
|
18.00%
|
18.00%
|
REAL ESTATE LOANS
Please contact Artesia Credit Union for all real estate questions at 575-748-9779
OVERDRAFT PROTECTION LOAN
SHARE AND SHARE CERTIFICATE LOANS
|
|
Amount Financed
|
Rate
|
|
Share Accounts
|
Not to exceed the principal & interest due
|
3.50% over the current share rate
|
|
|
|
|
|
Share Certificates
|
Not to exceed the principal and interest due
|
2.00% over the currrent share certificate rate
|
|
|
