Savings and Loan Rates
Savings Rates

As of November 11, 2009

Regular Share Account Balance Rate Annual Percentage Yield
$25.00 to $1,999.99 0.50% 0.50%
$2,000.00 to $4,999.99 0.75% 0.75%
$5,000.00 to $9,999.99 0.85% 0.85%
$10,000.00 and more 1.00% 1.00%

Checking Account Balance Rate Annual Percentage Yield
To $1,999.99 0.00% 0.00%
$2,000.00 and over 0.50% 0.50%
Money Market Rate Annual Percentage Yield
$5,000 to $9,999 1.00% 1.00%
$10,000 to $24,999 1.25% 1.26%
$25,000 or more 1.50% 1.51%

IRA Account Balance Rate Annual Percentage Yield
To $4,999.99 1.75% 1.76%
$5,000.00 to $19,999.99 2.00% 2.02%
$20,000.00 and over 2.25% 2.26%

Christmas Club (Any Balance) 0.75% 0.75%
Vacation Club (Any Balance)
0.75%
0.75%

Accumulator Certificate Dividend Rate Annual Percentage Yield
180 Days to 364 Days 1.25% 1.26%
 
Term Dividend Rate Annual Percentage Yield
6 Months 1.25%

1.26%
12 Months 1.75% 1.77%
24 Months 2.25% 2.28%
36 Months 2.95% 2.99%
48 Months 3.00% 3.04%
60 Months 3.25% 3.30%

Accumulator Certificate requires an opening deposit of $100 and monthly deposits of $25 to $1,000.00. Minimum deposit for regular certificates is $500.00. Penalty for early withdrawal may apply.


Type Annual Percentage Rate
Vacation Loan (Limited Time Offer) 7.99%*
Fixed As low as 9.00%*
Overdraft Protection 15.00%
* Interest rate is based on an evaluation of applicant's credit. Your actual rate may vary. Vacation Loan is a 12-month term signature loan. Minimum loan amount for the Vacation Loan is $500 and maximum loan amount is $3,000.

Type and Length
of Loan		 Amount Financed Annual Percentage Rate
New Auto Fixed; 
Up to 60 Months		 100% of the price of the MSRP-New As low as 4.25%*

Used Auto Fixed; 
Up to 48 Months
2005 or newer

 100% of the NADA Retail Value-Used
As low as 4.75%*
Used Auto Fixed; 
Up to 60 Months
2005 or newer (Minimum $20,000)		 100% of the NADA Retail Value-Used As low as 5.00%*

Used or New Auto 2005 or newer
up to 72 Months
(Minimum $30,000.00)

100% of the NADA Retail Value As low as 5.25%*
* Interest rate is based on an evaluation of applicant's credit. Your actual rate may vary. Rates shown reflect a 0.25% discount for automatic loan repayment from your Hoya FCU checking account with direct deposit. Other rates and terms are available.

Visa Card Type
Annual Percentage Rate
Credit Limit
Minimum Payment Annual Fee
Grace Period of Repayment of Balance for Purchase
Method of Computing Balance for Purchases
Cash Advance and Balance Transfer Fee
Late Fee Over Credit Limit Fee
Platinum
9.90%
$5,000 – $20,000
3% or $20, whichever is greater
 None 25 Days Average daily balance method including current transactions None $25 $25
Gold
11.90%
 $5,000 - $15,000
Classic
13.90%
 $500 - $10,000
Classic Select (Secured)
15.90%
 $500 minimum

 



Term Financing Annual Percentage Rate
5 Years 80% LTV 5.50%
10 Years 80% LTV 6.25%
15 Years 80% LTV 7.25%

Please be advised that Mortgage rates change daily.
For current rates, please contact CU Mortgage Group.

Office (703) 752-7045
Toll Free (888) 401-1221
Cell (703) 629-2714
Fax (800) 315-3181

Rates are as of July 1 , 2009 and are subject to change. The Board of Director's declares the dividend rates at the beginning of each month. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the Dividend period.

**Variable Rate Loans are tied to the Wall Street Journal Prime Rate and reset quarterly. Payments may change if the index changes. To be eligible for a variable rate loan, members must have Direct Deposit to the Credit Union. The Visa card rate is reviewed quarterly, and may adjust up or down based on the current market.

For more information regarding dividends and/or share accounts contact the Credit Union for a Rate and Fee Schedule.