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Rates

 
Consumer Loan VISA Mortgage Loans Share Accounts Share Certificate 

  

Auto Promotion  *purchase money loans
Effective until Aug 31, 2014
New Vehicles: Current Year to 2010 Annual Percentage Rate
100% Financing  
36 Months Approx. Term 1.49% - 10.99%   ***             
36 - 60 Months Approx. Term 1.89% - 11.39%   ***
61-72 Months (Over 15, 000) 1.99% - 11.49%   *** 
Never been titled vehicles; Regular .50% discount does not apply; No other discount apply; Does not apply to vehicles currently financed with CCFCU.
*APR is defined as Annual Percentage Rate. A $1,800 loan, with APR at 9.50% and term of 12 monthly payments of $157.85. Rate based on credit worthiness.

 

Consumer Loan Rates
Effective October 1, 2013
New Vehicles: Current Year - 2010 Annual Percentage Rate
100% Financing  
36 Months Approx. Term 2.99% - 12.49%   ***             
36 - 60 Months Approx. Term 3.39% - 12.89%   ***
 61-72 Months (Over $15, 000) 3.49% - 12.99%   *** 

Used Vehicles 
2009 to 2007 model years - 0 to 60 Months Approx. Term 4.49% - 13.99%    ***
2006 to 2005 model years - 0 to 48 Months Approx. Term  5.79% - 15.29%    ***
2004 and older                  -  0 to 36 Months Approx. Term  8.99% - 18.00%    ***

***(Above rates subject to .50 % discount for sharedraft account and auto transfer)***

Motorcycles/ATVs
New-80% retail
0 to 60 Months Approx. Term 5.35% - 14.85% 
Used
2008 to 2006 yrs - 0 to 48 Months Approx. Term  7.50% - 17.00% 
2005 and older -    0 to 36 Months Approx Term  8.00% - 17.50% 

RV's
New to 2009       -     80% retail
60 Months Approx Term  6.50% - 16.00%
84 Months Approx. Term * 7.00% - 16.50% 
(*If amount financed is over $20,000.00)
Used
2008 & older - 0 to  60 Months Approx. Term  7.00% - 16.50% 
2008 & older - 60 to  84 Months Approx. Term * 7.50% - 17.00% 
(*If amount financed is over $20,000.00)

Boats: 80% financing
New  
Current year to 2009 - 0 to 60 Months Approx. Term  5.35% - 14.85%
Used
2008 to 2001 - 0 to 60 Months Approx. Term 7.00% - 16.50% 
2000 & older -  0 to 48 Months Approx. Term  7.50% - 17.00% 

Share Secured Advances - varies with share dividends rate 3.50%  -    7.50%
All Other Secured 10.00% - 18.00%
Signature Advances 11.49% - 18.00%
Special Signature Advances 16.00% - 18.00%
Special Seasonal Advances 9.50% - 18.00%
*APR is defined as Annual Percentage Rate. A $1,800 loan, with APR at 9.50% and term of 12 monthly payments of $157.85. Rate based on credit worthiness.  
Variable Line of Credit (1)

      (3.25 US PRIME INDEX)
7.75% 11.75%
4.5 Margin 8.5 Margin
 


  • RISK BASED: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness.
  • Lien entry fees must be paid by the member on all loans with security interest.
  • Minimum payment never less than $25.00 per month.
  • Rates are subject to change without notice.
  • New vehicles up to MSRP and used vehicles up to NADA.
  • (1) Variable Rate Line of Credit: The Annual Percentage Rate (APR) for new and existing balances will be the U.S. Prime Rate (Index), plus a Margin based on credit score.  We will use the most recent Index value available to us as of 60 days prior to any annual percentage rate adjustment.  The APR will change annually on the last day of June to reflect any change in the Index.  The APR will never be less than 8.25%.  The APR will never be greater than 18.00% or the maximum rate allowed by law, whichever is less.  Any increase in the APR will result in a higher payment. 
  • (1) Line of Credit will be reviewed annually and interest rates are subject to credit worthiness.  Any increase in the APR will result in a higher payment, starting with the July payment.

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VISA
ANNUAL PERCENTAGE RATE FOR PURCHASES 13.90%
ANNUAL PERCENTAGE RATE FOR CASH ADVANCE 13.90%
GRACE PERIOD FOR PURCHASES 25 DAYS
METHOD OF COMPUTING THE BALANCE FOR PURCHASES Average Daily Balance Inculding New Purchases
LATE PAYMENT FEE $10.00
CASH ADVANCE FEE $1.00
REPLACEMENT CARD/PIN FEE Card-$5.00 / PIN-$1.00

The minimum payment will be $25.00 or 3.0% of your total new balance, whichever is greater, or your total new balance if it is less than $25.00, also any protion of the minimum payment shown on prior demand.

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Mortgage Loans

Please call the loan department at 353-3755 for details on 1st and 2nd mortgages

 

Mortgage Loans

Please call the loan department at 353-3755 for details on 1st and 2nd mortgages

Nationwide Mortgage Licensing System and Registry:

Comanche County Federal Credit Union-NMLS ID 409131

Donna Whitaker-NMLS ID 416675

Angel Bradley-NMLS ID 968319

NMLS CONSUMER ACCESS WEBSITE

 

 

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Share Accounts
LAST DIVIDEND DECLARATION DATE: June 17, 2014
Dividends on CCFCU savings accounts are declared by our Board of Directors at the last board meeting of the quarter. Dividends are paid the first day of the month following the end of each quarter.   
TYPE OF ACCOUNT Dividend Rate Annual percentage yield MINIMUM BALANCE FOR DIVIDEND
SHARE 0.05% 0.05% $50.00
CHRISTMAS CLUB 0.05% 0.05% $25.00
IRA* .80% .80% $100.00

  • SHARE ACCOUNT DIVIDENDS ARE COMPOUNDED QUARTERLY.
  • DIVIDENDS ARE PAID ON AN AVERAGE DAILY BALANCE AND ASSUMES THE ACCOUNT REMAINS OPEN THRU THE END OF THE QUARTER.
  • *IRA ACCOUNTS ARE SEPERATELY INSURED BY NCUA UP TO 250,000.00.   
  • DIVIDENDS ARE PAID QUARTERLY TO SHARE ACCOUNTS WHEN THE AVERAGE DAILY BALANCE MEETS OR EXCEEDS $50.      
  • DIVIDENDS WILL BE FORFEITED ON ANY ACCOUNT CLOSED BEFORE ACCRUED DIVIDENDS ARE PAID.                           

 

 

SHARE CERTIFICATE ACCOUNTS-Rates effective June 18, 2014
Call for special CERTIFICATE rates.
TERM DIVIDEND RATE ANNUAL PERCENTAGE YIELD*
6 MONTH 0.20% 0.20%
1 YEAR 0.25% 0.25%
18 MONTH 0.35% 0.35%
2 YEAR 0.50% 0.50%
5 YEAR 1.00% 1.00%

CERTIFICATE SPECIALS
8 MONTH**  0.30%  0.30%
8 MONTH IRA **   1.00%  1.00%

  • All rates are subject to change without notice.
  • Dividends may be paid at maturity or monthly to the share account.
  • Minimum balance to open $1,000.00.
  • A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL.
  • *ANNUAL PERCENTAGE YIELD IS COMPOUNDED AT MATURITY.
  • **$10,000 MINIMUM BALANCE TO OPEN.
  • **DIVIDENDS PAID AT MATURITY.

 

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