Rates
Effective as of January 1, 2012 |
| Account type |
Balance |
APY (1) |
| 6 month Share Certificate
Dividends paid monthly
|
$1,000–$9,999.99
$10,000–$24,999.99
$25,000–up |
0.20%
0.30%
0.40% |
| 12 month Share Certificate
Dividends paid monthly
|
$1,000–$9,999.99
$10,000–$24,999.99
$25,000–up |
0.35%
0.40%
0.60% |
18 month Share Certificate
Dividends paid monthly |
$1,000–$9,999.99
$10,000–$24,999.99
$25,000–up |
0.40%
0.50%
0.60% |
24 month Share Certificate
Dividends paid monthly |
$1,000–$9,999.99
$10,000–$24,999.99
$25,000–up |
|
36 month Bump-Up Certificate
Dividends paid monthly. If rates go up, you can bump your rate once during the term (9) |
$10,000–$24,999.99
$25,000–up |
1.00%
1.15% |
48 month Bump-Up Certificate
Dividends paid monthly. If rates go up, you can bump your rate once during the term (9) |
$10,000–$24,999.99
|
1.25%
|
60 month Bump-Up Certificate
Dividends paid monthly. If rates go up, you can bump your rate once during the term (9) |
$10,000–up |
1.40% |
| Dividend rates
for prior quarter |
|
Account type |
Minimum balance |
APY (1) |
Regular savings
Dividends paid quarterly
|
$100–4,999
$5,000–9,999
$10,000-up
|
0.10%
0.10%
0.10%
|
MoneyFlex Market Accounts
Dividends paid monthly
|
$2,500 - $9,999
$10,000 - $24,999
$25,000 - $74,999
$75,000 - $149,999
$150,000 or more |
0.15%
0.20%
0.26%
0.30%
0.40%
|
|
IRA Accounts
Dividends paid quarterly
|
$25–4,999
$5,000–9,999
$10,000–up |
0.30%
0.50%
0.75% |
|
Holiday Club Accounts(10)
|
$25–up |
0.25%
|
| Loans, terms and
interest rates |
|
Loan type |
Maximum term
|
APR (2)\ |
|
Unsecured (3)
$30,000
maximum
Loan is not a credit line. |
1-3 years
4-5 years
|
as low as 8.95%
as low as 9.95%
|
Line of Credit
Up to $30,000
Link to checking for easy access
|
Open ended |
|
|
Computers (4)
Requires city approval.
|
2 years |
City reimburses interest charges. |
New or Used cars, trucks (5)
Up to 100% financing for:
New purchase price, or
Retail blue book
+Tax/Lic/MBI/GAP
1/2% off with Direct Deposit to checking.
1/4% off with 20% down (5)
|
|
2 years |
3 years |
4 years |
|
5 years |
|
6 years |
|
7 years |
|
|
as low as 4.75%
|
as low as 5.25%
|
as low as 5.50%
|
as low as 5.75%
|
|
as low as 6.00%
|
as low as 6.25%
|
|
|
Motorcycles
Up to 80% |
2 years |
3 years |
4 years |
5 years |
6 years |
|
as low as 6.75% |
as low as 7.25% |
as low as 7.50% |
as low as 7.75% |
as low as 8.00% |
|
|
New or Used motor homes
New: Up
to 80% of purchase price
Used: Up to 80% of retail blue book
+Tax/Lic |
5 years
10 years
12 years |
as low as 6.75%
as low as 8.75%
as low as 9.75%
|
New or Used trailers, boats
New: Up to 80% of purchase price
Used: Up to 80% of retail NADA
+Tax/Lic |
2 years |
3 years |
4 years |
5 years |
|
as low as 6.75% |
as low as 7.25% |
as low as 7.50% |
as low as 7.75% |
|
|
|
5 years
|
Dividend rate plus 2%
Certificate
rate plus
2%
|
Share Certificate loans (6)
|
6 or 12 months
|
Dividend rate plus 2%
Certificate
rate plus
2%
|
1st trust deed
Fixed
rate
Up to 80% financing
|
|
as low as 2.75%
|
2nd trust deed
Fixed
rate
Up to 80% financing
|
5, 10, 15 years
|
as low as 4.125%
|
Home Equity Line of Credit (8)
Variable rate
No points |
|
fully indexed rate as low as
4.00% |
(1) Annual Percentage Yields (APY), terms and conditions subject to change without notice. Certificate accounts are subject to penalties for early withdrawal, IRA accounts subject to additional internal revenue service penalties.
(2) Annual Percentage Rates (APR) subject to change without notice and are our best rates for excellent credit. Your individual rate will be based on approved credit determined by managed-risk program and may vary depending on creditworthiness.
(3) Unsecured personal loans are closed-end loans, not
lines of credit,
and may not be
repeatedly refinanced
to individual
maximum limits.
(4)
Only
Glendale City
employees are
eligible for zero-percent
computer loans.
Requires city
approval. City reimburses 7% to employees via credits to paychecks
over the two-year
period.
(5) You can receive a reduction of 1/2% of your calculated interest rate on a new or used auto loan if you have direct deposit to a Glendale Federal Credit Union checking account; and/or a reduction of 1/4% with 20% down. However, the minimum discounted APR cannot be less than our rate for 24 month auto loans.
(6) Application
needs only name,
address, Social
Security number
and signature.
(7) Real Estate loan interest rates are based on market conditions and are
not reduced if
payments are made
by payroll deduction.
Owner-occupied.
Loans more than
80% loan-to-value
require PMI (Private
Mortgage Insurance).
(8) Rate adjusts
semi-annually
as outlined in
the loan agreement
and is based
on the borrower's
credit history
at time of application.
Maximum possible
APR is 15% over
the life of the
loan, but no
more than 5 percentage
points over the
starting APR,
and no more than
2 percentage
points per year.
Minimum initial
advance is $5,000;
minimum subsequent
advances are
$500.
(9) Additional deposits not accepted during term. Bump-up rate will match the then-current 36/48 month regular Certificate in effect for the $10,000 balance tier at the time the bump up option is exercised. New rate will carry forward from the date of increase and will not be retroactive.
(10) Matures November 1. $3 for early withdrawal.
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| Your
funds
are federally
insured
up to
$250,000
by the
National
Credit
Union
Administration,
a U.S.
government
agency.
The NCUA
separately
insures
Individual
Retirement
Accounts
up to
$250,000. |
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| We are an Equal Housing Lender, and do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. |
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