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Auto Loans

New or (1 year) Old Vehicles*

Term APR
1-5 Years 6.00%
6-7 Years 7.00%

 

Used Vehicles**

Term APR
1-4 Years 9.00%

*New – We can finance up to 100% of the deal including sales tax, and warranties up to $1,500. Geographical restrictions apply.

**Used – We will finance up to 75% of the selling price less tax.

 

 

Certificate Rates for Financial Institutions

Term Rate Annual Percentage Yield (APY)
1 Year 1.721% 1.732%
2 Year 1.870% 1.883%
3 Year 1.80% 1.81%
4 Year 2.00% 2.02%
5 Year 2.20% 2.22%

 

Commercial Mortgage Loans

Info
Please call (718) 658-9800 ext. 1044 for current rates.

 

 

Fees

Share Services

Membership Fee $1.00
Certified Corporate Draft $5.00
Returned Deposit Item $15.00
ACH Returned Item $10.00
Dormant Fee $50.00
Foreign Item Collection Fee $25.00

 

Checking Services

Returned Items $10.00
Stop Payment $5.00
Stop Payment (range of checks) $10.00
Copy of Paid Check $2.00
Certified Personal Check $5.00
Overdraft Protection (per transaction)* $5.00

*Overdraft protection is limited to the available balance in your specifically designated share account(s).

 

Electronic Funds Transfers

ATM Transactions or Inquiry (non CO-OP machines) $1.00
ATM Replacement Card $2.00

If you use an ATM not owned or operated by the credit union, you may be charged a fee by that ATM owner/operator and by any national, regional or local network used in processing the transaction. The ATM surcharge will be automatically debited from your account if you elect to complete the transaction.

 

Outgoing Wire Transfers

Domestic $15.00
International $25.00

 

IRA Share Certificates**

Term Rate Annual Percentage Yield (APY)
1 Year 1.40% 1.41%
2 Year 1.55% 1.56%
3 Year 1.80% 1.81%
4 Year 2.05% 2.07%
5 Year 2.40% 2.42%

**An early withdrawal penalty applies to all Share Certificate Accounts. All new share certificate purchases and renewals will compound dividends quarterly. The interest rate will be determined in the same manner as other share certificates, however due to the compounding there will be an APY on share certificates which is different than the rate. Please note that members will still have the option of having their quarterly dividend transferred to another share account. The minimum purchase for Share Certificates is $5,000.00. The minimum purchase for IRA Share Certificates is $4,000.00. Call or e-mail the Credit Union for certificate disclosure and application. (Additional limitations and regulations apply to IRA accounts. Please contact a Member Service representative for further information and disclosures).

 

 

Mortgage Loans

Info
Please click here for current rates.

 

 

Share Certificates**

Term Rate Annual Percentage Yield (APY)
1 Year 1.40% 1.41%
2 Year 1.55% 1.56%
3 Year 1.80% 1.81%
4 Year 2.05% 2.07%
5 Year 2.40% 2.42%

**An early withdrawal penalty applies to all Share Certificate Accounts. All new share certificate purchases and renewals will compound dividends quarterly. The interest rate will be determined in the same manner as other share certificates, however due to the compounding there will be an APY on share certificates which is different than the rate. Please note that members will still have the option of having their quarterly dividend transferred to another share account. The minimum purchase for Share Certificates is $5,000.00. The minimum purchase for IRA Share Certificates is $4,000.00. Call or e-mail the Credit Union for certificate disclosure and application. (Additional limitations and regulations apply to IRA accounts. Please contact a Member Service representative for further information and disclosures).

 

 

Share Loans

Term APR
1-3 Years 2% over Share
4-5 Years 2% over Share APR plus 1/2% per year beyond initial 3 years
Certificates 2% over Share

 

Unsecured

Term APR
Up to 3 years 14.00%

 

SBA – Rates Vary

†First Time Borrowers need co-maker.

 

Share Rates

  Rate Annual Percentage Yield (APY)
Share Savings Account 0.50% 0.50%
E-Z Checking* 0.25% 0.25%
IRA Savings Account 0.50% 0.50%

*Dividends are earned when a minimum daily balance of $500.00 is maintained on the E-Z Checking Account.

 

 

ATM/Shared Branch