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Regular Share Accounts

Period End 06/30/2010

Subject to Change - Not Guaranteed

Rate Annual Percentage Yield
Balance of $       5  to $5,000     .50%     .50%
Balance of $ 5,001  to $10,000     .65%     .65%
Balance of $10,001 to $25,000     .75%     .75%
Balance of $25,001 to $50,000   1.00%    1.01%
Balance of $50,001 to $100,000   1.10%    1.11%
Balance of $100,001 and over   1.20%    1.21%

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

July 23, 2010

* Share Certificate   Rate

**Change Up

Share Certificate Rate

Certificate

Term

Minimum

Balance

Rate

APY

Rate

APY

3 Month

$1,000.00

  .50%   .50%   .55%   .55%

6 Month

$1,000.00

  .50%   .51%   .55%   .56%

1 Year

$1,000.00

  .90%   .91%   .95%   .96%

1 Year

$2,500.00

1.00% 1.01% 1.05% 1.06%

2 Year

$2,500.00

1.25% 1.27% 1.30% 1.31%

10 Month

***Life-Saver

$1,000.00

  .75%   .76%   .80%  .81%

*--- Share Certificates require only Share Savings Account

 

**- Change Up Share Certificate:  To qualify for the Crouse Change Up rate, you must be a member in good standing.  You must maintain one service from Column 1 and one service from Column 2

 

*** Life-Saver:  To qualify you must have 20 years membership with our credit union.  Other benefits apply for Life Savers.  Ask us today!

 

Column 1

Column 2

Share Draft Checking with  Visa check Card with a  minimum of 3 check card purchases per month

Or

 Share Draft Checking with direct    

deposit with a minimum of 3 transactions

per month

 

Crouse Visa Credit Card with a minimum of

3 purchase advances per month

   Or

 Loan balance of $10,000 or more within last 5 years.

 

 

 

 

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Withdrawals prior to maturity shall incur a penalty of  the portion  withdrawn.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

 

  • Members please complete the Member Loan Appplication
  • Co-Borrowers/Co-Signers/please complete a  separate application
  • 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 Packet   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.

                                                                           LG08.TIF

APR  Annual Percentage Rate May be subject to change

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      Model Year 2008 – 2010

 

 

 

36 months

3.99%

48 months

3.99%

60 months

3.99%

72 months

4.25%

Used Auto

Model Year 2002 - 2007
Term based on year of vehicle

36 months

4.49%

48 months

4.49%

60 months

4.49%

Auto Refinance
(Refinance your car loan financed with another lender)
Auto Equity (Car is paid in full)

 

60 months

 

Rate and term based on year of vehicle

New/Used Boat and RV   Model Year 2008 – 2010

  

60 months

4.74%

120 months

7.24%

180 month

7.49%

Used Boat/ RV

Model Year 2003-2007
Term based on year of boat/RV

                     

60 months

5.49%

120 months

7.49%

144 months

7.99%

180 months

8.24%

Other Secured
Category includes Older used car/boat/RV
2001 and older.  Motorcycle, Jet ski, atv,
snowmobile are included in this category

based on current NADA values 

36 months

7.24%

60 months

7.49%

72 months

9.49%    

 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

        36 months

4.49%

 

       60 months

4.74%

50% Share Secured

       60 months

7.49%


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

8.99%

36 months

9.99%

60 months

9.99%

Bill Consolidation    

* No discounts

48 months

17.99%

Line of Credit/ Overdraft Protection
* No discounts

 

9.99%

Visa Credit Card    

* No discounts

Revolving

9.99%

Healthy Choice Signature

48 months

9.74%