Emory Alliance Credit Union

Rates

Share/Savings

Deposit Balance Required for Dividends

Dividend Rate

Annual Percentage Yield

$     100.00 -  $ 999.99 0.30% 0.30%
$  1,000.00 -  $19,999.99 0.30% 0.30%
$ 20,000.00  & over 0.30% 0.30%

Share rates are good through September 30, 2010 

Share Certificates & IRAs

Type Current Dividend Rate Annual Percentage
Rate
Advantage Club Rate Annual Percentage Yield
(Advantage Club)
6 Month Certificate    0.50%**   0.75%**  
12 Month Certificate 0.75% 0.76% 1.00% 1.01%
24 Month Certificate 1.25%  1.26% 1.50% 1.51%
36 Month Certificate 2.00%  2.01% 2.25% 2.27%
48 Month Certificate 2.25%  2.27% 2.50% 2.52%
60 Month Certificate 2.50%  2.52% 2.75% 2.78%


** Simple Interest

Share Certificate rates effective 09-01-12 through 09-08-10. 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.

Money Market Accounts

Type Minimum Deposit Dividend Rate Annual Percentage Yield
Money Market $2,500.00 0.15% 0.15%
Money Max $10,000.00 0.25% 0.25%
Diamond Account $50,000.00 0.40% 0.40%

Variable rate accounts change with market conditions.  Rates good through September 30, 2010.


Checking

Type Deposit Balance
Required for Dividend
Dividend Rate Annual Percentage Yield
Smart Checking

$   500.00   -  $  1,499.99

0.15% 0.15%
 

$  1,500.00 -  $24,999.99

0.15% 0.15%
 

$25,000.00 -  $49,999.99

0.25% 0.25%
 

$50,000.00 -  $74,999.99

0.25% 0.25%
 

$75,000.00 - Over

0.25% 0.25%
       
Advantage Checking

$100 -Over

0.15% 0.15%

Fees could reduce earnings on all accounts.  Checking Account rates good through September 30, 2010.

Consumer Loans 

Loan Types Approximate
Term
APR
Rates as Low As:
Payment
Calculator
New & Used Auto: (Up to 4 years old)


 

  Up to 36 months

3.75%+ Calculator

  37 - 60 months

4.75% + Calculator

  61- 72 months

5.50% + Calculator
Used Auto: (model years 5-7)

  Up to 48 months

5.95% + Calculator
Motorcycle: Auto rate & term + 1%

 

   
Other Secured - Balance $3000-$10,000

  Up to 36 months

8.50% + Calculator
New Motor Homes & Boats

  Up to 72 months

8.00% + Calculator
Used Motor Homes & Boats

  Up to 60 months

8.50% + Calculator
Computer Loan - Balance $ 250-$5,000

  Up to 42 months

8.50% + Calculator
Personal Loan - Balance $250 - $10,000

  Up to 48 months

9.00% + Calculator
Member Express Loan - Balances up to $750

  Up to 6 months

14.95% + Calculator
Share Secured Loan

  Up to 60 months

6.00% Calculator
Certificate Secured Loan

 

See Below Calculator
       
*Prime Plus (Line of Credit)   10.00% *  
EmoryLine-Overdraft Protection Up to $10,000
Student EmoryLine Up to $300
  12.00% +
12.00% +
 

+ These rates are Emory ACU's best rates. The rate may vary depending on each individual's credit history and underwriting factors..  There is a $25 Application Fee.

Loan rates are effective as of April 26, 2010.  All rates, terms and conditions are subject to change at any time without notice.  For more information, please call the Loan Department for further assistance.  To apply for any of our loan products, click on Loan Express.

Variable Rate Prime Plus (Line of Credit): The Annual Percentage Rate (APR) for new and existing balances will be the Prime Rate (Index), plus a Margin of 4.0%. We will use the most recent Index value available to us as of the last day of the month prior to any annual percentage rate adjustment.  The APR will change quarterly on the first day of January, April, July, and October to reflect any change in the Index. The APR will never be less than 10.0%. The APR will never be greater than 18.0% or the maximum rate allowed by law, whichever is less. The APR will not increase or decrease more than 2.0% in any one year period. Any increase in the APR will result in more 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. When the certificate is renewed the APR may 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.

Click here for Mortgage Rates

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