Regular Share Accounts
Period End 12/31/2011
Subject to Change - Not Guaranteed |
Rate |
Annual Percentage Yield |
| Balance of $ 5 to $5,000 |
.15% |
.16% |
| Balance of $ 5,001 to $10,000 |
.25% |
.26% |
| Balance of $10,001 to $25,000 |
.35% |
.36% |
| Balance of $25,001 to $50,000 |
.60% |
.61% |
| Balance of $50,001 to $100,000 |
.65% |
.66% |
| Balance of $100,001 and over |
.80% |
.81% |
Dividends are declared at the end of each quarter.
Dividend rates posted were for the past quarter and cannot be guaranteed for future quarters.
Loan Escrow Accounts do not earn dividends.
Accounts closed during the quarter do not earn dividends
Share Drafts Checking Accounts do not earn dividends
Early withdrawals from Holiday Club accounts are permitted, however, you must withdrawal all availible funds and the account will be closed for the balance of the term.
Insured by the National Credit Union Administration, a federal agency
Rates Effective
January 5, 2012 |
* Share Certificate Rate |
**Better Rate
Share Certificate Rate |
Certificate
Term |
Minimum
Balance |
Rate |
APY |
Rate |
APY |
6 Months |
$2,500.00 |
.25% |
.26% |
.30% |
.31% |
1 Year |
$2,500.00 |
.40% |
.41% |
.45% |
.46% |
2 Years |
$2,500.00 |
.85% |
.86% |
.90% |
.91% |
10 Months
*** Life Saver |
$1,000.00 |
.40% |
.41% |
.45% |
.46% |
6 Month
****Penny-Saver |
$ 500.00 |
.25% |
.26% |
na |
na |
*--- Share Certificates require only Share Savings Account
**- Better Rate Share Certificate: Our way to Thank you for your support. To qualify for the Crouse better rate, you must be a member in good standing. You must maintain a service listed below.
*** Life-Saver: To qualify you must have 20 years membership with our credit union. Other benefits apply for Life Savers. Ask us today!
****Penny-Saver: To qualify you must be 21 yrs or younger. A member in good standing. The rate cannot be increased to the “better rate” Ask us today |
Share Draft Checking with a Visa Debit Card with a minimum of 3 debit card purchases per month
Or
Share Draft Checking with direct deposit with a minimum of 3 transactions per month
Or
Our Visa Credit Card with minimum use of 3 purchases per month |
Withdrawal Prior to Maturity:
Without Penalty:
Withdrawals may be made without penalty only upon maturity of the account or upon death of the owner of the Share Certificate account.
With Penalty:
Withdrawals prior to maturity shall incur a penalty of the portion withdrawn.
The penalties are as follows:
Amount equal to the dividends that would accrue for 90 days on the amount withdrawn or a minimum of $10.00 which ever is more.
· The Credit Union reserves the right to change any of these offerings without notice.
· Dividend rates are based on Credit Union earnings at the end of the period.
· Dividends cannot be guaranteed |
*Annual Percentage Yield.
APY assumes that dividends will not be withdrawn.
Penalty for early withdrawal of funds.
Longer terms may apply for deposits of $50,000 or more
Rates are subject to change without notice.
Your savings are federally insured to $250,000 by NCUA (National Credit Union Administration) a U.S. Government agency. Equal Housing Lender
Loan Types and Rates
To Apply for a Loan:
- Members please complete the Member Loan Appplication
- Co-Borrowers/Co-Signers/please complete a separate application
- Applicants and Co-Borrower/Co-Signers must have two forms of ID on file
(1 being US Government or State Issued)
- Return completed application(s) to us with proof of income for all applicants.
- Ex: current paystub
- Follow steps for the type of loan that you are applying for
- Loan applicant must be a credit union member with $5.00 on deposit.
- Applicant must be at least 18 years of age
Specific information on our loans and how to apply can be found in
our Loan Brochure Please review or print
Download and print the form(s).
You can fax or mail the form to us---or better deliver it in person.
We suggest if you fax or mail that you call to confirm receipt.
Our fax number is 315 470-5633.
Questions please call us at 315 470-7928
- Rates below are current as of the date posted above and are subject to change without notice.
- The rates shown are "as low as". Your Annual Percentage Rate and term for all loans may very from the stated based upon credit worthiness.
- Term for repayment based on borrower, collateral and conditions
- Rates listed reflect automatic payment from Crouse FCU savings or checking account otherwise add .25% . Other rates and terms may
apply. * Visa and Line of Credit, Share Pledge loans, Bill Consolidation loans
excluded from discounts.
Keep in mind loan requirements may change without notice.
APR Annual Percentage Rate May be subject to change
Effective 1/13/2012
Car, Boat, RV and Other Secured Loans |
Required to apply
- Appropriate Loan Applications
- Purchase Agreement
- Description of vehicle to include year, make, model, mileage, equipment, VIN #
- Insurance Information
- Non Dealer Sales—Need copy of title
- Date of Delivery
- Name on Title
- Copy of current payroll stub
- Auto Equity requires copy of title and proof of insurance
- Refinance Loans require copy of title and a 10 day payoff.
|
Loan Type |
Term |
APR*
As low as |
New / Used Auto
Term is based on year of vehicle
Model Year 2009 –2012 |
36 months |
2.24% |
48 months |
2.49% |
60 months |
2.74% |
72 months |
3.49% |
Used Auto
Model Year 2005 - 2008
Term based on year of vehicle
|
36 months |
2.74% |
48 months |
2.99% |
60 months |
3.24% |
Auto Refinance
(Refinance your car loan financed with another lender)
Auto Equity |
60 months |
Rate and term based on year of vehicle |
New/Used Boat and RV
Model Year 2009 or newer
|
60 months |
4.49% |
120 months |
6.49% |
180 month |
6.99% |
Used Boat/ RV
Model Year 2005-2008
Term based on year of boat/RV
|
60 months |
4.99% |
120 months |
6.99% |
144 months |
6.99% |
180 months |
7.25% |
Other Secured
Category includes Older used car/boat/RV
2004 and older. Motorcycle, Jet ski, atv,
snowmobile are included in this category
based on current NADA values |
36 months |
4.79% |
60 months |
6.79% |
72 months |
7.50 %
RV or boat only |
Share Secured Loans |
Required to apply
- Appropriate Loan Applications
- Copy of current payroll stub
- Shares on deposit in credit union account
|
Loan Type |
Term |
APR*
As low as |
100% Share Secured
*No discounts |
24 months |
2.00%
|
60 months |
2.75% |
50% Share Secured |
60 months |
5.90% |
Signature /Personal, Visa Credit Card,
Line of Credit / Overdraft Protection
Bill Consolidation Loans |
Required to apply
- Appropriate Loan Application(s)
- Copy of current payroll stub
- For bill consolidation, provide a list of bills with pay off amounts. Credit Union may request copies of bills.
|
Loan Type |
Term |
APR*
As low as |
Signature/ Personal |
12 months |
4.99% |
36 months |
4.99% |
60 months |
6.99% |
Holiday Hangover Sale
* No discounts
** See details on Loan Brochure |
36 months |
4.99% |
Bill Consolidation
* No discounts |
24 months |
6.99% |
48 months |
7.99% |
Line of Credit/ Overdraft Protection
* No discounts |
|
9.99% |
Visa Credit Card
* No discounts |
Revolving |
9.99% |
