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Disclosures

 
Rates
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LOAN RATES


Auto (2003 & newer)
APR as low as 4.50%.
Rates are based on your credit history and term.
You may be eligible for a discount of .25% for loans set up as automatic transfers from your credit union account.

New Auto

2003 and newer

36 months

4.50% - 14.99%

37-60 months

4.50% - 14.99%

61-72 months

4.75% - 15.99%

73-84 months

5.50% - 15.99%

Rates effective June 5, 2008.
Call (716) 372-6607 to apply.
APR: 4.50%

Other Secured Loan
Flexible Terms
.
APR
as low as 6.99%.

Other Secured Loan

Rates

36 months

6.99% - 16.49%

37-60 months

7.49 - 16.99%

over 60 months

Call for rates

Rates include Autos 2002 and older.
Rates effective April 8, 2008.
Call (716) 372-6607 for available terms and to apply.



Unsecured Loan
APR as low as 9.9%
.

Unsecured

Rates

up to 60 months

9.90% - 17.99%

over 60 months

Call for rates

Rates effective January 1, 2008.
Call (716) 372-6607 for available terms.


Line Of Credit
APR - 9.90% payment is 2% of outstanding balance.
Call (716) 372-6607 to apply.

APR: 9.90%

VISA Credit Card
Low fixed-rate, no annual fee VISA.
APR 9.90%
with payment 2% of balance.
Call (716) 372-6607 to apply.
APR: 9.90%

Share Savings Secured
Flexible Terms.
APR from 4.50% to 7.00% depending on term.

Call (716) 372-6607 for available terms and to apply.



Share Certificate Secured
APR is 2% above the Share Certificate rate.
Rate may change at Share Certificate maturity.
Call (716) 372-6607 to apply.


Mortgage Rates
Please call the Credit Union at (716) 372-6607 for current mortgage rates and available terms.



SHARE ACCOUNT RATES

Variable Rate Accounts

For all share accounts, except Share Certificates, the dividend rate may change after the account is opened.


Share Savings Account

Plateau Range

Dividend Rate

Annual
Percentage
Yield

$300.00 - $9,999.99

0.75%

0.75%

$10,000.00 - $24,999.99

0.75%

0.75%

$25,000.00 and over

1.00%

1.00%

Dividend Rate Effective: 01/01/08.
Call for details (716) 372-6607.



Money Market Shares
$2,500 Minimum balance to open.

Plateau Range

Dividend Rate

Annual
Percentage
Yield

$2,500 - $9,999.99

1.98%

2.00%

$10,000 - $24,999.99

2.23%

2.25%

$25,000 - $49,999.99

2.47%

2.50%

$50,000 - $99,999.99

2.72%

2.75%

$100,000+

2.96%

3.00%

Dividend Rates Effective 01/01/08
Call (716) 372-6607 for details.



Share Draft Checking
$300.00 minimum balance for dividends (if dividends are currently being paid).
This fee could reduce the earnings on the account.

Call (716) 372-6607 for details.



Individual Retirement Account (IRA) Savings

Dividend Rate 2.00% Annual Percentage Yield 2.02%
Call for details (716) 372-6607.


Share Certificates

$500 Minimum

Dividend Rate

Annual
Percentage
Yield

2 - 5 Months

2.47%

2.50%

6 - 11 Months

2.72%

2.75%

12 - 23 Months

2.96%

3.00%

24 - 35 Months

3.45%

3.50%

36 - 47 Months

4.17%

4.25%

48 - 59 Months

4.17%

4.25%

60 Months

4.17%

4.25%

*25 Month Special           3.93%              4.00%

 

 

There may be a penalty for early withdrawal.
Dividend Rates effective 07/18/08.
Call for details (716) 372-6607.




APR - Annual Percentage Rate
APY - Annual Percentage Yield
Credit Union Rates
  Auto (2003 & newer) as low as
  APR: 4.50%

  Home Equity Loan
  APR: 5.49%

  VISA Credit Card
  APR: 9.90%