SAVINGS & INVESTMENT RATES
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BASIC MEMBER PROGRAMS
Minimum Balance $5 dividends paid monthly |
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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 |
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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. |
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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 |
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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. |
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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 |
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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
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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. |
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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. |
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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
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VISA CREDIT CARD
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Regular | Diamond | Maximum |
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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 |
* 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
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NO PREPAYMENT PENALTIES!AUTO Financing up to 110% LTV |
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Models Years:2017-19 60 mos; 2014-16 54 mos; 2011-13 48 mos; 2010 & older 36 mosExtended terms up to 84 mos. add .50% APR ($35,000 Min.) 2017-2019Extended terms up to 72 mos. add .25% APR ($25,000 Min.) 2017-2019RV Financing up to 100% A+ & A Tiers; 95% B &C Tiers |
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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 550Rate 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 $500Terms up to 18 Mos. |
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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 monthsPersonal Loans up to 72 months |
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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 lockup to max $424,100; Minimum loan $5,000; No annual fee |
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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 MortgagesLTV= Loan to Value |
HOME EQUITY
For Owner Occupied, Single Family Homes$350 Non-Refundable application fee required; 31 day rate lockminimum loan or line of credit $5,000; no annual fees |
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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 |
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Shared Secured Loan up to 8 years | 4.00% |
Certificate Secured Loan (up to term of CD & CD rate +) | 4.00% |
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