Rates effective for May 17, 2010*
*Rates subject to change without notice after account is opened.

(A.P.R.= Annual Percentage Rate)
(A.P.Y.=Annual Percentage Yield)

Share Certificate Rates
Term
Minimum Balance
Dividend Rate
A.P.Y.
6 months
Please call for a quote.
12 months
Please call for a quote.
24 months
Please call for a quote.
 
To report a lost or
stolen debit card
call: 1-800-523-4175.
There is a substantial early withdrawal penalty for failure to comply with certificate requirements. Certificates are subject to change weekly.
 
Savings Account Rates
Account Type
Dividend Rate
A.P.Y.
IRA Account*
1.50%
1.51%
Christmas Club Account**
$1.00 - $4,000 .25% .25%
$4001 - $10,000 .60% .60%
$10,001 and Over .95% .95%
Regular Savings**
$1.00 - $4,000 .25% .25%
$4001 - $10,000 .60% .60%
$10,001 and Over .95% .95%

*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 $250,000, 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
2010-2008
5.50 - 11.50%*
2010-2008(+20,000) 6.00 - 12.00%*
2007-2006
5.75 - 11.75%*
2005-2004
6.75 - 12.75%*
2003-2002
7.75 - 13.75%*
1999 and later
8.75 - 14.75%*
*Vehicle must be titled with credit union placed as lienholder and full insurance required.
 
.
Loan Rates (Titled Boats, Motors, Trailers, Campers, Horse Trailers, Utility Trailers)
Year
Rates
2010-2008
7.25 - 13.25%*
2010-2008 (+20,000)
7.50 - 13.50%*
2010-2008 (40,000+)
9.00 - 15.00%*
2007-2006 (<20,000)
7.75 - 13.75%*
2007-2006 (+20,000)
8.00 - 14.00%*
2005-2003
9.00 - 15.00%*
2002 & older
10.00 - 16.00%*
*Purchase must be titled with credit union placed as lienholder and full insurance required.
 
Untitled Watercraft, Campers, ATVs, Tractors, Lawnmowers
*UCC Filing Required
Year
Rates
Any year
9.50 - 15.50%*
 
Other Loan Rates
Loan Type
A.P.R.
Personal
  $1,000+
9.75 - 14.75%*
  Less than $1,000
18.00%
Quick Pay
   
8.00 - 14.00%*
Home Improvement
   
9.00 - 15.00%*
Share Secured
  variable rate
4.0 above shares secured
Certificate Share Secured
  variable rate
2.5 above shares secured
Pay Day Loan
  Will lend up to the member's pay roll deduction. The loan must be repaid the next pay day. 18.00%
First Mortgage
  Contact office for daily rates
Second Mortgage
  80% Loan to Value** 7.25% - 12.25%**
Home Equity Lines of Credit
  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%