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Rates effective as of 7/1/2010
*APR = Annual Percentage Rate
***NOTE*** : You must send income verification to the credit union to complete all loan requests.
Loans (click here for a loan application)
(Loan applications with joint maker signing will constitute joint/cosigner responsibilities.) |
Term
|
APR*
|
| Auto, Truck 100% financing model years 2001-present |
upto 5 years ** |
as low as 6.65% to 6.15% |
| Auto, Truck 80% financing model years 2001-present |
upto 5 years ** |
as low as 6.15% to 5.65% |
| Motorcycles, RVs, Boats, etc. model years 2001-present |
upto 5 years ** |
as low as 8.15% to 7.15% |
| Signature Loans and Signature Line-Of-Credit |
upto approx. 3 years |
9.9% to 16.9% |
| 12/12 Loan |
1 year |
12% to 18% |
| Home Improvement Loan - contact us for details |
upto 5 years |
8.40% to 11.90% |
| Real Estate/Mortgage Loans - Contact Judy on phone extension 16 or email address: realestate@kembaky.org |
|
|
| Share (Savings) or CD secured Loan (IRA CD not eligible) |
|
3% above earning rate of pledged funds |
| |
|
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| We do not have Pre-Payment Penalties! |
|
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Interest rates are based on primvary member's credit score, model year of vehicle and whether 100% or 80% financing of NADA total retail value.
** upto 6 years available if financing over $20,000 and 80% financing at stated APR + 1%
*APR = Annual Percentage Rate
All loan rates mentioned above are Fixed Rates, meaning that the rates will not/ cannot fluxuate after consumation of the loan. The only exception is our Revolving Home Equity Line-Of-Credit, which has a variable rate that may change only twice a year - April 1st and October 1st.
***NOTE*** : You must send income verification to the credit union to complete all loan requests. Please include 'household' income regardless of joint/cosigner signing or not.
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| Savings - Federally insured by NCUA |
Minimum Balance
|
Dividend/ Interest Rate% *
|
| |
|
|
| Regular Share/Savings |
$5.00
|
0.50
|
|
Share Draft/Checking
|
n/a
|
0.50
|
| Christmas Club |
n/a
|
0.50
|
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|
|
| |
|
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*APY = Annual Percentage Yield
|
Certificates - All require a $500.00 minimum deposit
Federally insured by NCUA
|
Term
|
Dividend/ Interest Rate%
|
APY % *
|
| |
91 DAY
|
1.00
|
1.00
|
|
|
6 MONTH
|
1.24
|
1.25
|
|
|
12 MONTH
|
1.49
|
1.50
|
|
|
18 MONTH
|
1.69
|
1.75
|
|
|
24 MONTH
|
1.99
|
2.00
|
|
|
30 MONTH
|
2.08
|
2.10
|
|
|
36 MONTH
|
2.38
|
2.40
|
|
|
48 MONTH
|
2.62
|
2.65
|
|
|
60 MONTH
|
2.97
|
3.00
|
|
|
|
|
|
| IRA - 3rd QUARTER |
|
|
|
|
|
PASSBOOK
|
1.25
|
1.26
|
|
|
18 MONTH
|
1.69
|
1.70
|
|
|
24 MONTH
|
1.99
|
2.00
|
|
|
30 MONTH
|
2.08
|
2.10
|
| |
|
|
|
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A penalty will be imposed for early withdrawal.
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|
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*APY = Annual Percentage Yield
FEE NOTIFICATION
The following fee schedule became effective January 1, 2010. If you are opening a new checking account, upon 90 days of satisfactory checking experience, you will be automatically eligible for courtesy overdraft protection. If you wish to opt out of this program you must notify the credit union in writing. If you have questions, please contact the credit union. [Printer Friendly Link]
| ATM Withdrawals (7 free per month) |
$1.00 each after 7 per month
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| ATM / POS Overdraft |
$25.00
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| Card Replacement |
$2.00
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| Non-Sufficient Funds (NSF) Returns (Drafts and ACH) |
$25.00
|
| Courtesy Overdraft Privilege Fee* |
$25.00
|
| Returned Deposit Item |
$10.00
|
| Stop Payment Order |
$5.00
|
| NSF Stop Payment Order |
$25.00
|
| Copy of Check |
$2.00
|
| Copy of Statement |
$3.00
|
| Interim Printout of Account |
$1.00
|
| |
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| WIRE TRANSFER |
|
| ----------------Incoming |
FREE
|
| ----------------Outgoing |
$15.00
|
| ----------------International |
$30.00
|
| |
|
| Dormant Account Fee |
$2.00 per month
|
| (No account activity for 6 months and less than $50.00 in account) |
|
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| Account Research per hour |
$15.00
|
| |
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| Check Cashing |
$3.00
|
| (Member with no KEMBA Lou CU loans and less than $100.00 in aggregate shares.) |
|
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| Third Party Certified Check |
$10.00
|
| |
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| Processing Legal Request |
$25.00
|
| (garnishments, tax levies, etc.) |
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*Courtersy Pay Overdrat Protection will be available on your checking account 90 days after you open the account, if the account is in good standing. If you wish to OPT OUT of this program you must notify the Credit Union in writing.
KEMBA Louisville Credit Union, though sponsored by The Kroger Company, is independent from the Kroger Company and, also, we are not affiliated with any of the other 'KEMBA' credit unions.
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