| |
 |
Regular Shares
|
|
Minimum Balance |
Dividend Rate |
Annual Percentage Yield |
| $25.00-$1,999.99 |
$25.00 |
0.25% |
0.25% |
| $2,000.00-$9,999.99 |
$2,000.00 |
0.40% |
0.40% |
| $10,000.00-$24,999.99 |
$10,000.00 |
0.50% |
0.50% |
| $25,000.00-$49,999.99 |
$25,000.00 |
0.65% |
0.65% |
| $50,000.00 And Up |
$50,000.00 |
0.85% |
0.85% |
-
$25 minimum to open account
-
$1 one time membership fee
-
Rates are effective February 18, 2010 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
|
|
0.05
|
0.05
|
Share Certificates
|
Term
|
Minimum Deposit
|
Dividend Rate
|
Annual Percentage Yield
|
| 6 month |
$5,000.00 |
1.00% |
1.00% |
| 12 month |
$5,000.00 |
1.25% |
1.26% |
| 24 month |
$5,000.00 |
1.65% |
1.66% |
| 36 month |
$5,000.00 |
2.00% |
2.01% |
| 48 month |
$5,000.00 |
2.50% |
2.52% |
| 60 month |
$5,000.00 |
3.00% |
3.03%
|
-
$5,000.00 Minimum Deposit
-
Early Withdrawal Penalty- 90 Days Dividend
-
Rates are effective February 18, 2010 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
|
1.00
|
1.00
|
|
10000.00-24999.99
|
1.15
|
1.15
|
|
25000.00-49999.99
|
1.25
|
1.25
|
|
50000.00 and up
|
1.35
|
1.36
|
IRA Certificates
|
Term
|
Dividend Rate
|
Annual Percentage Yield
|
|
12 Month
|
1.50
|
1.51
|
|
24 Month
|
2.00
|
2.27
|
-
Rates are effective February 18, 2010 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
|
0.75
|
0.75
|
|
25,000.00-49999.99
|
0.85
|
0.85
|
|
50,000.00-99,999.99
|
1.00
|
1.00
|
|
100,000.00-199,999.99
|
1.15
|
1.15
|
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)
|
3.99-14.74%
|
|
New Auto (61-72 Months)
|
$20,000 & > 5.99-15.74%
|
|
New Auto (73-84 Months)
|
$30,000 & > 6.99-8.49%
|
|
Used Auto ( 2009-2011)
|
Same as new
|
|
Used Auto (2002-2008)
|
5.49-18.00%
|
|
Used Auto (2001 and Older)
|
7.49-18.00%
|
- Rates are effective February 18, 2010 and are subject to change without notice
- Up to 125% Financing
- Rates and terms are based on your credit history
- Vehicles 1998 older can only be financed up to 24 months
- 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
|
6.25%
|
6.50%
|
6.75%
|
8.75%
|
11.75%
|
13.75%
|
|
48 Months
|
6.75%
|
7.00%
|
7.25%
|
9.25%
|
12.25%
|
14.25%
|
|
60 Months
|
7.25%
|
7.50%
|
7.75%
|
9.75%
|
12.75%
|
14.75%
|
|
72 Months
|
7.50%
|
7.75%
|
8.00%
|
10.00%
|
13.00%
|
15.00%
|
|
84 Months
|
7.75%
|
8.00%
|
8.25%
|
10.25%
|
13.25%
|
15.25%
|
|
96 Months
|
8.00%
|
8.25%
|
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%
|
HOME EQUITY LINE OF CREDIT / First and 2nd Mortgage Loans
Please contact Ann Shuman for all real estate questions at 575-748-9779
OVERDRAFT PROTECTION LOAN
|
18.00% *APR UP TO 14 MONTHS
|
SHARE AND SHARE CERTIFICATE LOANS
|
|
Amount Financed
|
Rate
|
Term
|
|
Share Accounts
|
Not to exceed the principal & interest due
|
3.50% over the current share rate
|
Not to exceed 12 months
|
|
|
|
|
|
|
Share Certificates
|
Not to exceed the principal and interest due
|
2.00% over the currrent share certificate rate
|
Not to exceed the term of the certificate
|
|
|
