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XFCU RATES New York

[ Checking/Savings Products | Loan Products ]

Checking/Savings Products

  APY*
Certificates
Membership
Preferred
Advantage
Premier
Advantage
Bronze
(6 Mo., $500 Min. Bal.)
2.00%
2.05%
2.10%
Silver
(1 Yr., $500 Min. Bal.)
2.00%
2.05%
2.15%
Millennium
(15 Mo., $500 Min. Bal.)
2.25%
2.30%
2.40%
Sterling
(18 Mo., $500 Min. Bal.)
2.25%
2.30%
2.40%
Gold
(2 Yr., $500 Min. Bal.)
2.25%
2.30%
2.40%
Platinum
(3 Yr., $500 Min. Bal.)
2.80%
2.85%
2.95%
Titanium
(4 Yr., $500 Min. Bal.)
2.90%
2.95%
3.05%
FlexibleFive
(5 Yr., $500 Min. Bal.)
3.00%
3.05%
3.15%
Jumbo
(30 days, $50000 Min. Bal.)
1.50%
1.55%
1.60%
Jumbo
(90 days, $50000 Min. Bal.)
2.00%
2.05%
2.10%
Jumbo
(180 days, $50000 Min. Bal.)
2.00%
2.05%
2.10%
Jumbo
(12 months, $100000 Min. Bal.)
2.00%
2.05%
2.10%
Click Here for IRA Certificate rates   
Penalty for early withdrawal.   
Money Market
   
Prime Money Market
($1000 Min. Bal.)
0.75%
0.75%
0.75%
Capital Money Market
($15000 Min. Bal.)
1.00%
1.00%
1.00%
Executive Money Market**
($0 to $49,999)
0.50%
0.50%
0.50%
Executive Money Market**
($50,000 to $99,999.99)
1.75%
1.75%
1.75%
Executive Money Market**
($100,000 Min. Bal.)
2.00%
2.00%
2.00%
Jumbo Money Market
No longer available as a new product
Click Here for rates for existing Jumbo Money Markets		   
Money market rates may change after the account is opened.   
Savings/Checking/IRA
   
Savings and Club Accounts
($100 Min. Bal.)
0.20%
0.20%
0.20%
Minor Savings
0.20%
0.20%
0.20%
Checking Plus^
($2,000 Min. Bal.)
0.10%
0.10%
0.10%
Platinum Checking^
($0 - $9,999.99)
0.20%
0.20%
0.20%
Platinum Checking^
($10,000 - $24,999.99)
1.00%
1.00%
1.00%
Platinum Checking^
($25,000 - $49,999.99)
1.50%
1.50%
1.50%
Platinum Checking^
($50,000 +)
1.75%
1.75%
1.75%
Health Savings Accounts
1.00%
1.00%
1.00%
Click Here for our IRA Accumulator rate   
Savings/Checking/IRA rates may change after account is opened.   

Rates as of June 4, 2008.
*Annual Percentage Yield
**Minimum $50,000 to open
^Fees could reduce the earning of the account


Loan Products


Home Loans
.

Rate (APR)

Mortgages
.

Rates vary depending
on mortgage program.

Home Equity Line of Credit #*
Variable

As low as 5.25%
Home Equity Loan #
($5,000 to $200,000)
Fixed

As low as 6.64%


Vehicle Loans
.

.

Auto
(New/Used)
Fixed

As low as 6.14% (New auto)
As low as 6.44% (Used auto) 
variable rate on approved credit.
Boat Loans
(New/Used)

Fixed

As low as 7.14% (New Boat)
As low as 7.64% (Used Boat)
RV
(New/Used)
Fixed
As low as 6.84% (New RV)
As low as 6.84% (Used RV)
Motorcycle
(New/Used)
Variable
8.29% (New Motorcycle)
8.54% (Used Motorcycle)

Personal Loans
.

.
Fixed

Click here for rate
MemberFirst Loan ##
($100 to $50,000)
Fixed or Variable

As low as 11.84% (fixed rate)
As low as 10.84% (variable rate)
PowerLine of Credit
(up to $50,000)
Variable

As low as 9.50%
Savings Secured
(up to 100% of your Savings Account balance)
Fixed

3.40% (Fixed Rate)
Stocks/Bonds
Fixed or Variable

As low as 12.85% (fixed rate)

As low as 8.85% (variable rate)

.
.
.

Rates as of June 25, 2008
Rates are subject to change

^Eligibility is based on the value of your home and underwriting criteria.

APR = Annual Percentage Rate

Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%.

#*Loans under $15,000 pay closing costs.
A $75.00 Inactivity Fee will be assessed each subsequent anniversary year in which you do not maintain an outstanding principal balance during any portion of 2 consecutive billing cycles
A minimum initial advance of $15,000 is required in order to have third party fees waived
If you close your line of credit within 24 months you are subject to pay the lesser of your actual closing costs or $250

#Loans under $15,000 pay closing costs.

##Maximum loan amount is $25,000 with a repayment term up to 60 months.

Rates subject to change and may vary from region to region due to market forces.

Apply for a loan online, or call (800) XFCU-222 and get approved right over the phone.  It's that easy.