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XFCU Rates

Jump to Loan Products

Share and Checking Dividend Rates

  APY*
Certificates
Membership
Preferred
Advantage
Premier
Advantage
6 Month
($500 Min. Bal.)
0.75%
0.80%
0.85%
12 Month
($500 Min. Bal.)
0.85%
0.90%
0.95%
15 Month
($500 Min. Bal.)
1.00%
1.05%
1.10%
18 Month
($500 Min. Bal.)
1.05%
1.10%
1.15%
24 Month
($500 Min. Bal.)
1.20%
1.25%
1.30%
36 Month
($500 Min. Bal.)
1.55%
1.60%
1.65%
48 Month
($500 Min. Bal.)
1.80%
1.85%
1.90%
60 Month
($500 Min. Bal.)
2.20%
2.25%
2.30%
30 Day Jumbo
($50,000 Min. Bal.)
0.35%
0.40%
0.45%
90 Day Jumbo
($50,000 Min. Bal.)
0.55%
0.60%
0.65%
180 Day Jumbo
($50,000 Min. Bal.)
0.80%
0.85%
0.90%
12 Month Jumbo
($100,000 Min. Bal.)
1.05%
1.10%
1.15%
Click Here for IRA Certificate/Accumulator rates   
Penalty for early withdrawal.   
Money Market
   
Prime Money Market
($1,000 Min. Bal.)
0.35%
0.35%
0.35%
Capital Money Market
($15,000 Min. Bal.)
0.55%
0.55%
0.55%
Executive Money Market**
($0 to $49,999)
0.70%
0.70%
0.70%
Executive Money Market**
($50,000 to $99,999.99)
0.85%
0.85%
0.85%
Executive Money Market**
($100,000 Min. Bal.)
1.10%
1.10%
1.10%
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
   
Savings and Club Accounts
($100 Min. Bal.)
0.20%
0.20%
0.20%
Minor Savings
0.20%
0.20%
0.20%
SeekMore Checking
(click product name to view requirements)
1.00%
1.00%
1.00%
Health Savings Accounts
1.00%
1.00%
1.00%
Checking Plus
No longer available as a new product
Click Here for rates for existing Checking Plus accounts		   
Platinum Checking
No longer available as a new product
Click Here for rates for existing Platinum Checking accounts		   
Savings/Checking rates may change after account is opened.   

Rates as of Thursday, July 01, 2010. Rates, terms, and conditions are subject to change at any time.
*Annual Percentage Yield
**Minimum $50,000 to open

Loan Products

Mortgage

Term
Rate (APR)
Payment Example
Terms vary
Payments vary

Mortgage eligibility is based on the value of your home and underwriting criteria.

Home Equity Line of Credit (not available in Texas)

Term
Rate (APR)
Payment Example
Variable, up to 15 years*
4.75% to 6.50%
180 monthly payments of $7.78 to $8.71 per $1,000 borrowed

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

A minimum initial advance of at least $15,000 is required in order to have third party fees waived. Lines of Credit opened with a balance of less than $15,000 pay closing costs. A $75 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. If you close your Line of Credit within 24 months you are subject to pay the lesser of your actual closing costs or $250.

Home Equity Loan ($5,000 to $200,000)

Term
Rate (APR)
Payment Example
Fixed, up to 20 years
6.39% to 8.69%
180 monthly payments of $8.65 to $9.96 per $1,000 borrowed

A minimum initial loan balance of at least $15,000 is required in order to have third party fees waived. Loans opened with a balance of less than $15,000 pay closing costs.

Xceed Visa® Platinum Card (with CURewards™)

Term
Rate (APR)
Payment Example
Variable*
as low as 13.99%
.

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

Xceed Visa® Platinum Card (without CURewards™)

Term
Rate (APR)
Payment Example
Variable*
8.99%
.

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

Auto (new and used)

Term
Rate (APR)
Payment Example
Fixed, up to 7 years
3.75% to 12.45%
60 monthly payments of $19.10 to $22.24 per $1,000 borrowed

Boat (new and used)

Term
Rate (APR)
Payment Example
Fixed, up to 10 years
7.14% to 8.89%
84 monthly payments of $15.41 per $1,000 borrowed

RV (new and used)

Term
Rate (APR)
Payment Example
Fixed, up to 15 years
7.34% to 10.84%
84 monthly payments of $15.76 per $1,000 borrowed

Motorcycle (new and used)

Term
Rate (APR)
Payment Example
Variable, up to 4 years*
8.29% to 8.54%
48 monthly payments of $24.55 per $1,000 borrowed

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

Consolidation Loan

Term
Rate (APR)
Payment Example
Fixed, up to 7 years

8.99% to 15.99%
84 monthly payments of $16.08 to $19.86 per $1,000 borrowed

Member First ($100 to $50,000)

Term
Rate (APR)
Payment Example
Fixed, up to 5 years
10.99% to 18.00%
60 monthly payments of $21.74 to $25.39 per $1,000 borrowed

PowerLine of Credit (up to $50,000)

Term
Rate (APR)
Payment Example
Variable, up to 5 years*
9.50% to 17.50%
60 monthly payments of $21.00 to $25.12 per $1,000 borrowed

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

Stocks/Bonds

Term
Rate (APR)
Payment Example
Variable, up to 4 years*
8.85% to 8.85%
n/a
Fixed, up to 4 years
12.85% to 12.85%
n/a

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

Savings Secured

Term
Rate (APR)
Payment Example
Variable*
Dividend Rate + 3%
.

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

Certificate Secured

Term
Rate (APR)
Payment Example
Variable*
Certificate Rate + 3%
.

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

Loan rates as of April 1, 2010 and subject to change.
APR=Annual Percentage Rate

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

 
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