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New Auto - No Hidden Fees or Application Charges

Term in
Months 		Rates As
Low As* 		Monthly Payment
Per $1,000 Borrowed
1-24 2.79% $42.89
25-36 2.79% $28.99
37-48 3.09% $22.18
49-51 3.09% $20.95
52-63 3.19% $17.27
64-69 3.49% $16.02
70-75 4.09% $15.14
76-84 5.29% $14.25
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*Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher. Rates effective August 15, 2011. Rates subject to change without notice.

 

Used Auto

Term in
Months 		Rates As
Low As* 		Monthly Payment
Per $1,000 Borrowed
1-24 3.19% $43.07
25-36 3.19% $29.17
37-48 3.19% $22.22
49-51 3.19% $21.00
52-63 3.29% $17.31
64-69 3.89% $16.07
70-75 4.29% $15.23
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*Annual Percentage Rate. Rate based on your credit history and model year of vehicle.
Your actual rate may be higher. Rates effective August 15, 2011.
Rates subject to change without notice.

 

New Boats, Motorcycles, Campers - No Hidden Fees or Application Charges

Term in
Months 		Rates As
Low As* 		Monthly Payment
Per $1,000 Borrowed
1-24 4.09% $43.47
25-36 4.09% $29.57
37-48 4.09% $22.62
49-51 4.09% $21.40
52-63 4.19% $17.72
64-69 4.49% $16.48
70-75 5.09% $15.60
76-84 6.29% $14.76
85-96 6.79% $13.54
97-108 7.29% $12.67
109-120 7.79% $12.04
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*Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher. Rates effective August 15, 2011. Rates subject to change without notice.

 

Used Boats, Motorcycles, Campers

Term in
Months 		Rates As
Low As* 		Monthly Payment
Per $1,000 Borrowed
1-24 4.19% $43.51
25-36 4.19% $29.61
37-48 4.19% $22.67
49-51 4.19% $21.44
52-63 4.29% $17.76
64-69 4.89% $16.67
70-75 5.29% $15.70
76-84 5.79% $14.52
85-96 6.29% $13.30
97-108 6.79% $12.41
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*Annual Percentage Rate. Rate based on your credit history and model year of vehicle.
Your actual rate may be higher. Rates effective August 15, 2011.
Rates subject to change without notice.

 

Consumer Loans

Term in
Months 		Rates As
Low As* 		Monthly Payment
Per $1,000 Borrowed
(Not Applicable) 8.49% $30.00
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*Annual Percentage Rate. Rate based on your credit history.
Your actual rate may be higher. Rates subject to change without notice.

Unsecured Loans - Personal Loans

Term Rates As
Low As* 		Monthly Payment
Per $1,000 Borrowed
Line of Credit 10.40% $30.00
Apply Now
*Annual Percentage Rate. Rate based on your credit history.
Your actual rate may be higher. Rates subject to change without notice.

 

Credit Cards - No Annual Fees!

Type of
Credit Card		 Rates As
Low As*
VISA Classic 10.70%
VISA Platinum 8.90%
Apply Now
*Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher. Rates subject to change without notice.
* With Approved Credit Limited Relationship Member (cash pay loans) interest rate is one percent higher than indicated above.

 

Mortgage Rates - Click here to Apply!
All Interest Rates Subject to Change Without Notice.
Information and Rates Are Effective Beginning February 1, 2012.
First Mortgage Products
Interest Rates
A.P.R.*
3 Year Convertible Rate (3/1)
2.875%
 2.999%
3 Year Adjustable Rate (3/3)
3.000%
 3.318%
5 Year Convertible Rate (5/1)  3.125% 3.151%
7 Year Convertible Rate (7/1)  3.250% 3.277%
10 Year Convertible Rate (10/1) 3.375% 3.450%
10 Year Fixed Rate
    3.250%
 3.324%
15 Year Fixed Rate  3.500% 3.552%
20 Year Fixed Rate
    4.250%
 4.291%
30 Year Fixed Rate
    4.500%
 4.529%
30 Year Fixed Rate CALL CALL
3 Year Balloon Loan (Residential Lots) 5.625% 6.127%
All cash out refinances may be subject to additional fees.
Loans may be subject to additional fees based on loan type.
Jumbo Loan Products
All loan amounts over $417,000.00 are considered Jumbo Loan Products.
Please call for current rate for this product.
Home Equity Loan Property Products
Interest Rates
A.P.R.*
Home Equity Loan (Up to 100% Loan to Value) - Rates as low as 4.000% 4.000%
Investment Property Products
Interest Rates
A.P.R.*
3 Year Convertible Rate (3/1) 4.375% 4.689%
5 Year Convertible Rate (5/1) 4.625% 4.941%
15 Year Fixed Rate Commonwealth Credit Union Loan 5.000% 5.316%
Second Mortgage Products
Interest Rates
A.P.R.*
5 Year Fixed Rate Loan 3.75% 3.946%
10 Year Fixed Rate Loan 4.000% 4.103%

*Annual Percentage Rate (A.P.R.) estimate based on $100,000.00 loan amount and 360 months unless otherwise stated for 1st mtgs and $50,000.00 for 2nd mortgages. 

Primary Residence: Purchase-Up to 95% of appraised value or purchase price, whichever is less.*
Total land value can not exceed 30% of total appraised value.
Commonwealth Credit Union will finance a home and up to 20 acres.
* Private Mortgage Insurance may be required.

Maximum Limit
 First Mortgage=$417,000.00
Second=$50,000.00
Home Equity=$100,000.00.

 
Minimum Limit
First Mortgage=$10,000.00
Second=$1,000.00
Home Equity=$1,000.00

 

Investment Properties - Require 6 months PITI in reserves after closing.  All loans subject to 1.75% Origination Fee.  All loans require taxes and insurance to be escrowed.  Minimum loan amount $50,000.00.

HELP Loans - On the anniversary date: Interest rate is set at Prime Rate as reported in the Wall Street Journal plus the appropriate index based on loan type. The caps are 2% per year and 6% over life of the loan.  Loans can be either first or a second mortgage.

ARM Loans - On the anniversary date: Interest rate is set at the weekly average yield on the 12 month T-Bill as reported in the Wall Street Journal plus the appropriate margins for First Mortgages. Caps are 2% per year and 6% over life of the loan.

Residential/Unimproved Land - We will finance up to 80% of appraised value or purchase price, whichever is less; minimum amount $10,000.00; maximum amount $75,000.00; 3 year balloon. Maximum loan term is 180 months.

3, 5, 7 and 10 Year Convertible Loans - After fixed period, rate converts to the weekly average yield on the 12 month T-Bill as reported in the Wall Street Journal plus the appropriate margins on the First Mortgages. The Caps are 2% per year and 6% over life of the loan.  10 year minimum term on first mortgage convertible products.

All Commonwealth Credit Union second mortgage fixed rate loans - will loan up to 80% of the appraised value. Maximum loan amount $50,000.00

All Commonwealth Credit Union first mortgage fixed rate loans (new purchase) - can finance up to 95% LTV with PMI approval.

Escrows - Escrows are required on all first mortgage products with a loan value over 80%.

 

CALL TODAY FOR ADDITIONAL INFORMATION AND AN APPOINTMENT
502-564-4775 OR 800-228-6420

 

Savings, IRA, Roth, Club & Checking: February 2012

Checking Accounts
Dividend Rate
*APY
CommonWEALTH Checking Account

No Minimum Balance
No Per Check or Monthly Fees
Even Pays You Interest
0.10%
0.10% APY*
Savings Accounts
Dividend Rate
*APY
Vacation Club Account
0.10%
0.10% APY*
Christmas Savings
0.10%
0.10% APY*
Round Up Savings
**Round up savings is only for funds transferred from the Round UP Checking account. No additional deposits allowed. Dividends paid annually and subject to change without notice.
5.00%
5.00% APY*
Ready Access Account
Credit Union Dividend Rates are declared by the Credit Union Board of Directors at the end of the quarter (and are subject to change). Dividends are paid and compounded quarterly based on your average daily balance.
Dividends are paid from date of deposit to date of withdrawal
All Amounts

0.10%

0.10% APY*
High Yield Savings
Credit Union Dividend Rates are declared by the Credit Union Board of Directors at the end of the quarter (and are subject to change). Dividends are paid and compounded quarterly based on your average daily balance.
Dividends are paid from date of deposit to date of withdrawal
$5 - $9,999
0.10% 0.10% APY*
$10,000 to $24,999
0.15% 0.15% APY*
$25,000 to $49,999
0.15% 0.15% APY*
$50,000 to $99,999
0.15% 0.15% APY*
$100,000 and up
0.25% 0.25% APY*
IRA/Roth Savings
0.25%
0.25% APY*

 

Money Market Accounts

Average Daily Balance

Dividend Rate
*APY
Dividend Rates subject to change without notice. Dividends are paid and compounded monthly based on average daily balance. If balance falls below $2500 anytime during month, no dividends will be paid. Dividend Rate as of September 2011.
$100,000 and up
0.25% 0.25% APY*
$50,000 to $99,999
 0.20% 0.20% APY*
$25,000 to $49,999
 0.15% 0.15% APY*
$10,000 to $24,999
 0.15% 0.15% APY*
$2,500 to $9,999
0.15% 0.15% APY*

 

Certificates: Savings, IRA & Roth Rates

As of February 2, 2012
Dividend Rate
*APY
Dividend Rates are subject to change without notice. Dividends are paid and compounded Monthly. Substantial Penalties apply for early withdrawal.
12 Month Building Block Certificate**
$250 Min.		 0.25% 0.25% APY*
6 to 11 Months Certificate or IRA Certificate
$1,000 Min.		 0.25% 0.25% APY*
12 to 17 Months Certificate or IRA Certificate
$1,000 Min.		 0.45% 0.45% APY*
18 to 23 Months Certificate or IRA Certificate
$1,000 Min.		 0.45% 0.45% APY*
24 to 35 Months Certificate or IRA Certificate
$1,000 Min.		 .75% .75%  APY*
36 to 47 Months Certificate or IRA Certificate
$1,000 Min.		 1.00% 1.00% APY*
48 to 59 Months Certificate or IRA Certificate
$1,000 Min.		 1.09% 1.10% APY*
60 Months and Up Certificate or IRA Certificate
$1,000 Min.		 1.29% 1.30% APY*



*Annual Percentage Rate assuming dividends are reinvested. Call For Current Rates.
**Building Block available in Savings Certificates only. Maximum deposit for Building Block is $999.99
Commonwealth Credit Union Fee Schedule