Rates
Deposit Balance Required for Dividends
Dividend Rate
Annual Percentage Yield
$ 100.00 - $ 999.99 0.25% 0.25% $ 1,000.00 - $19,999.99 0.50% 0.51% $ 20,000.00 & over 0.75% 0.76% Share rates are good through December 31, 2008
Type Current Dividend Rate Annual Percentage
RateAdvantage Club Rate Annual Percentage Yield
(Advantage Club)6 Month Certificate 2.75%** 3.00%** 12 Month Certificate 3.00% 3.04% 3.25% 3.29% 24 Month Certificate 3.25% 3.29% 3.50% 3.55% 36 Month Certificate 3.25% 3.29% 3.50% 3.55% 48 Month Certificate 3.50% 3.55% 3.75% 3.80% 60 Month Certificate 3.75% 3.80% 4.00% 4.06%
** Simple InterestShare Certificate rates effective 11-13-08 through 11-19-08. The minimum opening deposit is $500.00. Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date.
Type Minimum Deposit Dividend Rate Annual Percentage Yield Money Market $2,500.00 1.50% 1.52% Money Max $10,000.00 2.00% 2.02% Diamond Account $50,000.00 2.50% 2.52% Variable rate accounts change with market conditions. Rates good through November 30, 2008.
Type Deposit Balance
Required for DividendDividend Rate Annual Percentage Yield Smart Checking $ 500.00 - $ 1,499.99
0.25% 0.25% $ 1,500.00 - $24,999.99
0.50% 0.51% $25,000.00 - $49,999.99
0.75% 0.76% $50,000.00 - $74,999.99
1.00% 1.01% $75,000.00 - Over
1.25% 1.26% Advantage Checking $100 -Over
0.25% 0.25% Fees could reduce earnings on all accounts. Checking Account rates good through November 30, 2008.
Loan Types Approximate Term APR++
Rates as Low As:New Auto: 2009 Model Year
(or previous Model Year w/less than 12,000 miles)
New Motorcycle: Auto rate + 1%Up to 24 months
3.75%+ 25 - 36 months
3.75% + 37- 60 months
4.95% + 61-72 months
5.95% + Used Auto: 2008 - 2005 Model Year
Used Motorcycle: Used Auto rate + 1%Up to 36 months
5.25% + 37- 60 months
5.95% + Used Auto / Motorcycle: (5-7 years old) Up to 48 months
5.95% + Other Secured - Balance $3000-$10,000 Up to 36 months
8.50% + New Motor Homes & Boats Up to 72 months
8.00% + Used Motor Homes & Boats Up to 60 months
8.50% + Computer Loan - Balance $ 250-$5,000 Up to 42 months
8.50% + Personal Loan - Balance $250 - $10,000 Up to 48 months
9.00% + Member Express Loan - Balances up to $750 Up to 6 months
14.95% + Share Secured Loan Up to 60 months
6.00% Certificate Secured Loan
See Below *Prime Plus (Line of Credit) 10.00% * EmoryLine-Overdraft Protection Up to $10,000
Student EmoryLine Up to $30012.00% +
12.00% +
+ These rates are Emory ACU's best rates and are based on the borrower's credit history and subject to credit approval.
++ ANNUAL PERCENTAGE RATE
Loan rates are effective as of September 9, 2008. All rates are subject to change. For more information, please call the Loan Department for further assistance. To apply for any of our loan products, click here.
*VARIABLE RATES:
PRIME PLUS: The ANNUAL PERCENTAGE RATE (APR) has a variable rate based on the Prime Rate as published in the Money Rates column of the Wall Street Journal (Index) plus a margin of 4%. The ANNUAL PERCENTAGE RATE shall be adjusted on the first day of each calendar quarter based upon the rate in effect on the last banking day of the quarter preceding the calendar month each payment cycle begins. The ANNUAL PERCENTAGE RATE will increase or decrease if the index increases or decreases. In no event shall the ANNUAL PERCENTAGE RATE increase or decrease by more than 2.0% in any calendar
year or 6.0% during the life of this agreement with a floor rate of 10%; not to exceed a maximum of 18% or the maximum rate allowed by law. Any increase or decrease in the ANNUAL PERCENTAGE RATE will take the form of more or fewer payments of the same amount until what you owe has been repaid.
CERTIFICATE SECURED: The ANNUAL PERCENTAGE RATE (APR) will be the dividend rate being paid on the certificate offered as security (Index) plus 3.0%. The certificate must be renewed until the advance is completely paid. Failure to renew the certificate will result in default under the Plan. When the certificate is renewed the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid. The present APR and Daily Periodic Rate will be disclosed at the time of advance.
