You have the option to add to the amount at maturity and roll over the deposit for a further period.Īdditional conditions will apply as follows: Our Term deposits offer three separate tiers with specific minimum deposits and interest rates per tier. This way, members know in advance the exact amount of return they will be receiving on their investment. Members choosing this investment option may deposit a fixed sum for a fixed period of one (1) year up to three (3) years. Our Thrift Club offering provides a premium rate of interest on children’s savings as well as a comprehensive developmental program for children up to fifteen years of age. Thrift ClubĬhildren’s savings accounts are also available at BPWCCUL. The credit union also provides a Salary Lodgement service that enables you to have your employer post your salary directly to your credit union account every week/month. Vacation Club Savings Christmas Club Savings Homebuilders Savings In addition to these automatic share records, members can choose from a variety of other saving vehicles for specific purposes such as: Your savings on Salary Lodgement receive interest monthly. Your savings on Call Deposit receive interest monthly. Your savings on Primary Shares receives interest semi-annually, on March 31 and September 30. Vote as a credit union member Receive yearly dividend payments Receive loans from the credit union Primary Shares This will help to increase the financial stability and strength of the credit union. All members must deposit and maintain BDS $120 in this share record in order to maintain their membership in the credit union.īy empowering our members to hold Permanent Shares, we protect the credit union’s share capital from being reduced by on-demand withdrawals. Your Membership Qualifying Shares are your ownership stake in the credit union. 3% Balance Transfer Fee.On signing up for membership the following four share records are automatically opened on your account. Check your accounts to track progress, and make sure you continue to make at least the minimum payment on the card you transferred the balance from on time to avoid late fees. (5) A balance transfer could take up to six weeks to appear on your new card, depending on your previous card issuer. Discounts have been applied to the rate of 6.95%. Payment example: 12 monthly payments of $86.73 per $1,000 borrowed at 7.45%. (4) Annual Percentage Rate of 7.45% is for an approximate term of 12-36 months. Discounts have been applied to the rate of 6.69%. Payment example: 12 monthly payments of $86.38 per $1,000 borrowed at 6.69%. (3) Annual Percentage Rate of 6.69% is for an approximate term of 12-36 months. For vehicles with mileage above 100,000 a rate increase of 1.00% will apply. For vehicles with mileage above 50,000 a rate increase of. Discounts have been applied to the rate of 4.19%. Payment example: 12 monthly payments of $85.24 per $1,000 borrowed at 4.19%. (2) Annual Percentage Rate of 4.19% is for an approximate term of 12-36 months. Discounts have been applied to the rate of 4.09%. Payment example: 12 monthly payments of $85.19 per $1,000 borrowed at 4.09%. (1) Annual Percentage Rate of 4.09% is for an approximate term of 12-36 months. First time auto buyer loans are not eligible for our rate match program. Terms up to 60 months including coverage benefits that include GAP, multi-shield and warranties. Proof of insurance required at time of purchase. Maximum loan to value (LTV) 90% of retail, with a minimum of tax, title and license cash down payment not to exceed $30,000. Payment may not exceed 20% of gross monthly income proof of income required. First Time Auto Buyers must be employed for a minimum of 12 months in a full or part time position. Loan can fund new or used vehicles only and does not apply to boats, recreational vehicles or motorcycles. Must be a member or eligible for membership in order to qualify for and obtain a loan or discounts. 10% for checking account direct deposit at the time of funding. 10% for an automatic loan payment transfer from an MCCU checking account. **** Rates shown reflect available rate discounts. Federally Insured Deposits - Share Insurance.Maximum Money Market: High-Yield Savings.Complete Checking: Cash Back + Interest.
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