SAVINGS & INVESTMENT RATES

Eff. 04/01/19

BASIC MEMBER PROGRAMS

Minimum Balance $5 dividends paid monthly
  Dividend Rate (a) APY (b)
Regular Share 0.05% 0.05%
Youth Account (c) 0.20% 0.20%

(a) Dividend rate is calculated on a daily basis

(b) Annual Percentage Yield based on dividends accumulating to account

(c) Youth Account defined as being under 16 years of age

REGULAR SHARE CERTIFICATES

Minimum Balance $300. Dividends Paid Monthly
Term Dividend Rate (a) APY (b)
6 Months 1.55% 1.56%
1 Year (12 mos.) 1.80% 1.82%
2 Years (24 mos.) 1.90% 1.92%
30 Months 2.00% 2.02%
3 Years (36 mos.) 2.10% 2.12%
4 Years (48 mos.) 2.20% 2.22%
5 Years (60 mos.) 2.30% 2.33%
6 Years (72 mos.) 2.40% 2.43%

(a) Dividend rate is calculated on a daily basis

(b) Annual Percentage Yield based on dividends accumulating to account

All Term Certificates are subject to penalties for early withdrawal.

IRA PASSBOOK ACCOUNTS

Minimum Balance $25. Dividends Paid Monthly.

IRA’s may also be invested in a Share Certificate of at least a 1 yr. term.
Dividend Rate (a) APY (b)
Traditional 0.20% 0.20%
Roth 0.30% 0.30%
Educational 0.50% 0.50%

(a) Dividend rate is calculated on a daily basis

(b) Annual Percentage Yield based on dividends accumulating to account.

HOLIDAY & VACATION CLUB ACCOUNTS

Holiday and Vacation Club Accounts (minimum term 1 year)

Minimum Balance $10
  Dividend Rate (a) APY (b) Account Matures/Dividends Paid
Holiday Club 0.50% 0.50% 11/1/2019
Vacation Club 0.25% 0.25% 5/1/2019

(a) Dividend rate is calculated on a daily basis

(b) Annual Percentage Yield based on dividends accumulating to account

HEALTH SAVINGS ACCOUNT

HSA’s may also be invested in a Share Certificate of at least a 1 yr. term.
Dividend Rate (a) APY (b)
Dividend Paid Monthly 0.25% 0.25%

(a) Dividend rate is calculated on a daily basis

(b) Annual Percentage Yield based on dividends accumulating to account

MONEY MARKET ACCOUNT

Minimum Balance $300.  Dividends Paid Monthly.

 $2,500 Minimum Balance to earn Dividends
Dividend Rate (a) APY (b) Account Balance
Tier 1 0.40% 0.40% $2,500 – $24,999
Tier 2 0.45% 0.45% $25,000 – $49,999
Tier 3 0.50% 0.50% $50,000 – $74,999
Tier 4 0.65% 0.65% $75,000 – higher

(a) Dividend rate is calculated on a daily basis

(b) Annual Percentage Yield based on dividends accumulating to account

DIAMOND CLUB CERTIFICATES

Diamond Club members are full service members with a
Share Savings Account, Share Draft Checking Account, Visa Debit Card and VISA Credit Card

Minimum Deposit $300. Dividends Paid Monthly
 Term Dividend Rate (a) APY (b)
1 Year 2.30% 2.33%
2 Years 2.40% 2.43%
3 Years 2.60% 2.63%
5 Years 2.80% 2.84%
6 Years 2.90% 2.94%

(a) Dividend rate is calculated on a daily basis

(b) Annual Percentage Yield based on dividends accumulating to account

 All Term Certificates are subject to penalties for early withdrawal.

JUMBO SHARE CERTIFICATES

Minimum Deposit $100,000. Dividends Paid Monthly.
Term Dividend Rate (a) APY (b)
6 Months 1.75% 1.77%

(a) Dividend rate is calculated on a daily basis

(b) Annual Percentage Yield based on dividends accumulating to account

All Term Certificates are subject to penalties for early withdrawal.

ONE UP SHARE CERTIFICATES

Minimum Deposit $1,000. Dividends Paid Monthly.

Provides members with a one time option to raise the dividend rate for the remainder of the term of the certificate.
  Dividend Rate (a) APY (b)
30 Months 2.00% 2.02%
4 Years 2.20% 2.22%
6 Years 2.40% 2.43%

(a) Dividend rate is calculated on a daily basis

(b) Annual Percentage Yield based on dividends accumulating to account

All Term Certificates are subject to penalties for early withdrawal.

LENDING RATES

Eff. 04/01/19

VISA CREDIT CARD
 VISA Regular Diamond Maximum
Tier Rate Club* Limits
A+ 11.90% 9.90% $25,000
A 11.90% 9.90% $20,000
B 13.90% 11.90% $17,500
C 15.90% 13.90% $12,000

SHARE SECURED VISA CARD AVAILABLE

VISA

* Diamond Club Members are full service members who have
a Share Savings account, Share Draft Checking account, VISA Debit Card and a VISA Credit Card

VEHICLE LOANS
     
 

NO PREPAYMENT PENALTIES! 

AUTO Financing up to 110% LTV

Models Years:

2017-19  60 mos; 2014-16  54 mos; 2011-13  48 mos; 2010 & older 36 mos

Extended terms up to 84 mos. add .50% APR ($35,000 Min.) 2017-2019

Extended terms up to 72 mos. add .25% APR ($25,000 Min.) 2017-2019

RV Financing up to 100%  A+ & A Tiers; 95% B &C Tiers
 
Credit NEW AUTO USED AUTO RV LOANS
Tier/LTV up to 60 mos up to 60 mos TERMS **
A+/ 110% 3.90% 3.95% 6.00%
A / 110% 3.95% 4.10% 6.10%
B / 105% 4.05% 4.20% 6.20%
C / 100% 4.40% 4.70% 7.50%
D / 95% 6.15% 6.50% n/a
E / 90% 6.85% 8.35% n/a
Second Chance / 90% 8.00% 8.75% n/a

Second Chance Minimum Credit Credit Score 550

Rate Discounts Available: Automatic Payment Debit(a) -.25% or Diamond Club -1.00%   

* Diamond Club Members are full service members who have
a Share Savings account, Share Draft Checking account, Visa Debit card and a VISA Credit Card

** Terms vary by amount financed. Maximum RV loan $75,000.

(a) Automatic Debit Discount applies to Greater Cincinnati Credit Union deposit accounts
and only one discount (either automatic debit or Diamond Club) allowed per loan.

APR= Annual Percentage Rate

LTV= Loan to Value. 

SHORT TERM PERSONAL LOAN

Minimum Loan Amount $500

Terms up to 18 Mos.
  Regular Diamond Maximum
Tier Rate Club* Limits
A+ 5.50% 4.50% $7,000
A 5.65% 4.65% $6,500
B 5.80% 4.80% $5,500
C 7.00% 6.00% $4,000
D 8.25% 7.25% $3,000
E 8.95% 7.95% $2,500
Second Chance 9.75% 8.75% $2,000

Rate Discount : Automatic Debit(a)  -0.25% APR Eligible

* Diamond Club Members are full service members who have
a Share Savings account, Share Draft Checking account, Visa Debit Card and a VISA Credit Card

APR=Annual Percentage Rate

PERSONAL & HOME IMPROVEMENT LOANS

Home Improvement Loans Up to 84 months

Personal Loans up to 72 months
Regular Diamond Maximum
Tier Rate Club* Limits
A+ 8.05% 7.05% $20,000
A 8.05% 7.05% $20,000
B 8.60% 7.60% $15,000
C 9.60% 8.60% $10,000
D 10.70% 9.70% $7,500
E 11.70% 10.70% $5,000

Discount : Automatic Debit(a)  -0.25% APR Eligible

* Diamond Club Members are full service members who have
a Share Savings account, Share Draft Checking account, VISA Debit Card and a VISA Credit Card

APR=Annual Percentage Rate

1ST MORTGAGES

For Owner Occupied, Single Family Homes

$350 Non-refundable application fee required; 31 day rate lock

up to max $424,100; Minimum loan $5,000; No annual fee
Tier LTV 10 Yrs. 15 Yrs. 30 Yrs.
A+ 90% 3.40% 3.55% 3.95%
A 90% 3.50% 3.65% 4.05%
B 85% 3.60% 4.10% 4.10%
C 80% 4.35% 4.45% 4.70%
D, E 75% 6.10% 6.20% 6.36%

$1,000 Closing Cost Credit allowance for New Mortgages

LTV= Loan to Value

 

HOME EQUITY

For Owner Occupied, Single Family Homes

$350 Non-Refundable application fee required; 31 day rate lock

minimum loan or line of credit $5,000; no annual fees
Credit Fixed Rate Loan Variable
Tier LTV 7 Yrs. 10 Yrs. 12 Yrs. Credit Line
A+ 90% 5.30% 5.40% 5.50% 6.50%
A 85% 5.40% 5.50% 5.55% 6.50%
B 80% 5.50% 5.60% 5.65% 6.50%
C 80% 5.65% 5.75% 5.80% 6.50%
D, E 80% 5.95% 6.15% 6.30% 6.50%

LTV= Loan to Value

COLLATERALIZED LOANS

Collateralized Loans
Shared Secured Loan up to 8 years 4.00%
Certificate Secured Loan (up to term of CD & CD rate +) 4.00%
Equal Housing Lender & Equal Opportunity Lender logos
Cincinnati Regional Chamber logo
American Share Insurance: Your savings insured up to $250,000 per account. This institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money. MEMBERS' ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY.
Verified by Visa logo
BBB Accredited Business logo

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Greater Cincinnati Credit Union |  All Rights Reserved. | Copyright 2017 | PRIVACY Opens a new window| Designed by Zoozler