Rates & Fees Schedule
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Deposit Rates – effective 04/01/2013
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Minimum Balance
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Dividend Rate
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Annual Percentage Yield
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Savings & Checking*
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Regular Savings
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$100.00 |
0.10%
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0.10%
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| IRA Savings |
$100.00 |
0.10% |
0.10% |
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Holiday Club 2013
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$100.00 |
0.20%
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0.20%
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Vacation Club 2014
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$100.00 |
0.20%
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0.20%
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Checking
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n/a |
0.00%
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0.00%
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Money Market
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$1,000.00 |
0.20%
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0.20%
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*fees could reduce the earnings on accounts
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| Share Certificates** | |||||
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12 Months
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$500.00 |
0.25%
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0.25%
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24 Months
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$500.00 |
0.35%
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0.35%
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36 Months
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$500.00 |
0.50%
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0.50%
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48 Months
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$500.00 |
0.75% |
0.75%
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60 Months
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$500.00 |
1.00%
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1.00%
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IRA Certificates**
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12 Months
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$500.00 |
0.25%
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0.25%
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24 Months
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$500.00 |
0.35%
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0.35%
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36 Months
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$500.00 |
0.50%
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0.50%
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48 Months
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$500.00 |
0.75%
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0.75%
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60 Months
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$500.00 |
1.00%
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1.00%
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**a penalty may be imposed for early withdrawal from a share certificate |
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| Loan Rates - effective 07/01/2012 | |||
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APR* |
Term |
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| Platinum Credit Card |
7.75% |
n/a |
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Vehicle |
3.50% |
up to 84 months |
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Luxury/Recreational Vehicle |
5.50% |
up to 84 months |
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Educational |
4.75% |
up to 48 months |
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Share Secured |
(Account Rate+ 4.25%) |
up to 60 months |
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Signature |
5.00% |
up to 60 months |
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Overdraft LOC - max $2500 |
7.25% |
n/a |
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Vacation |
4.50% |
up to 24 months |
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ALL RATES ARE SUBJECT TO CHANGE. While CJFCU attempts to keep all of the rates posted on this site up to date, there may be periods when this is not possible. Please contact CJFCU to verify these rates. * All annual percentage rates (APR) stated are "as low as" depending on term, credit history and method of repayment. Members will receive a rate reduction of 0.50% for direct deposit or with 20% down on a Vehicle Loan. These loans are part of our Rewards Based lending program. Your rate is determined by how long you finance your loan as well as your credit history. The above are the lowest possible rates offered. Your rate will be determined after your credit report has been reviewed. |
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Term
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APR*
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Maximum Loan Amount
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Maximum Debt/ Income Ratio
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Maximum LTV Ratio
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Comments
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5 Years
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4.25%
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$150,000.00
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45%
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80%
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Loans up to 100% LTV available with rates 3.00% above current rates.
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10 Years
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4.75%
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$150,000.00
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45%
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80%
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15 Years
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5.00%
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$150,000.00
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45%
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80%
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20 Years
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5.25%
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$150,000.00
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45%
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80%
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Type
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Term
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Margin
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Payment
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Maximum Loan Amount
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Maximum Debt/Income Ratio
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Maximum LTV Ratio
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Variable
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30 Yr.
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0.00%
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20 year amortization, 10 year draw |
$150,000.00
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45%
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80%
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Fees Schedule – effective 05/01/2011
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Account Analysis
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$30.00 (per hour)
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AMEX Travelers Cheques
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1% of $100.00
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ATM withdrawal (excess withdrawals over 10 per month)
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$3.00 |
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Bill Payment (Online)
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FREE*
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| Cashier Check | $3.00 |
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Certified Check
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$10.00
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Check Mailing
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$2.00**
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Copy of Member Draft
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$7.00
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Dormant Account
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$10.00***
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E-Statements
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FREE
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Holiday /Vacation Club (early withdrawal or closing)
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$30.00
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Internet Banking
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FREE
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Levy/Garnishment Processing
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$30.00
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| Money Market (excess withdrawals over 4 per month) | $15.00 |
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Money Order
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$2.00
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Mortgage Cancelation (included in payoff letter)
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$23.00
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Notary
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FREE
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NSF Member Share Draft / EFT Debit
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$35.00
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Payoff letter (all loan types)
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$25.00
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Printout of Account (per page)
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$3.00**
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Return Deposited Check
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$30.00
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Returned Mail
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$3.00
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| Share Draft Account Fees: | |
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Basic |
$2.95 (per month) |
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Gold |
FREE |
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Stop Payment:
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Cashier Check / Money Order |
$15.00 |
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Member Share Draft / EFT Debit
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$35.00
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Subordination Agreement
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$150.00
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Visa Credit / Debit Card Replacement
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$10.00
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Wire Transfer (domestic)
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$15.00
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*Bill Payment accounts with no activity for 3 months will be assessed a fee of $10.00 beginning on the anniversary day following the third inactive month and continuing monthly thereafter until the Bill Payment service becomes active. **This service is free via CJFCU's Internet Banking and/or Telephone Teller. ***Savings accounts with no activity for 1 year will be charged a $10.00 monthly fee until the account reaches a zero balance. At that time, the account will be closed. |
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