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To
report a lost or
stolen debit card
call: 1-800-523-4175.
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| There
is a substantial early withdrawal penalty for failure to comply with
certificate requirements. Certificates are subject to change weekly. |
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| Savings
Account Rates |
|
Account
Type |
Dividend
Rate |
A.P.Y. |
|
IRA
Account* |
3.00% |
3.03% |
|
Christmas
Club Account** |
1.05% |
1.05% |
|
Regular
Savings** |
1.05% |
1.05% |
|
*Dividends on
the IRA Account are established quarterly at a rate determined by
the CCIT FCU Board of Directors.
**Dividends are
established quarterly at a rate established by the CCITFCU Board
of Directors. Requires $5.00 to open account.
Dividends are
computed on daily average balance and paid quarterly. Fees may reduce
earnings.
Funds on deposit
at CCIT FCU are federally insured by the National Credit Union Administration
up to $100,000, and IRA funds are separatedly insured to $250,000.
For further details regarding these accounts, request a related disclosure
or contact the credit union. |
* |
| Loan
Rates (Titled Autos, Trucks, Vans and Motorized RVs) |
|
Year |
Rates |
| 2009-2008 |
5.50 - 8.00%* |
| 2007-2006 |
5.75 - 8.00%* |
| 2005-2004 |
6.25 - 8.25%* |
|
2003-2000 |
7.00 - 8.00%* |
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2003-2002 |
7.00 - 9.00%* |
| 1999 and later |
8.25 - 10.25%* |
| *Vehicle must be titled with credit union placed as lienholder and full insurance required. |
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| Loan
Rates (Titled Boats, Motors, Trailers, Campers, Horse Trailers, Utility Trailers) |
Year |
Rates |
| 2007-2006 |
7.25 - 10.00%* |
| 2005-2004 |
7.75
- 10.00%*
|
| 2003-2002 |
8.50 - 10.50%* |
2001-2000 |
8.75 - 10.75%* |
| *Purchase must be titled with credit union placed as lienholder and full insurance required. |
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| Untitled Watercraft, Campers, ATVs, Tractors, Lawnmowers |
Year |
Rates |
| Any year |
9.50 - 11.00%* |
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| Other
Loan Rates |
|
Loan
Type |
A.P.R. |
| Personal |
| |
$1,000+ |
9.50 - 12.75%* |
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Less than $1,000 |
18.00% |
| Quick Pay |
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|
8.00 - 10.00%* |
| Home Improvement |
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|
9.75 - 11.75%* |
| Share
Secured |
| |
variable rate |
4.0 above shares secured |
| Certificate Share
Secured
|
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variable rate |
2.5 above shares secured |
| Open-End Line of Credit
|
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Open-End Line of Credit |
9.50 - 11.50% |
| First Mortgage |
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Contact office for daily rates |
| Second Mortgage |
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80% Loan to Value** |
7.25%** |
| Home Equity Lines of Credit |
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Home Equity Lines of Credit |
5.00%*** |
*Loan amounts based on member's qualifications.
**$5,000 minimum and credit union paying closing costs.
***Rate based on Prime as published in Wall St. Journal less one-half percent. Floor - 5.00% Ceiling - 15.00%
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