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Savings & Loan Rates

Savings Rates

(as of June 2008)

TYPE  MONTHS RATE ANNUAL YIELD
MINIMUM
Regular Shares*   .5987% .60%  $50.00
Holiday Club* 12 .5987% .60%  $5.00
Vacation Club*   .5987% .60%  $5.00
CD 3 2.0836% 2.10%

$1,000.00

CD

6

(Special)

2.4769%

2.50%

$5000.00

CD

6

2.2017%

2.22% 

$1,000.00

CD

12

2.3787%

2.40%

$1,000.00

CD

24

2.4081%

2.43%

$1,000.00

CD

36

2.4474%

2.47%

$1,000.00

CD

48

2.4572%

2.48%

$1,000.00

IRA

3

1.9852%

2.00%

$1,000.00

Loan Rates

(as of 9/1/07)

TYPE OF LOAN LENGTH
APR % RATE
New Cars 02 to 48 months Starts at 4.90 APR
New Cars   49 to 60 months    Starts at 5.90 APR 
New Cars 61 to 72 months Starts at 6.50 APR

Used & Certified Cars

 02 to 36 months Starts at 5.50 APR
Used & Certified Cars 37 to 48 months Starts at 6.90 APR

Used & Certified Cars

49 to 60 months

Starts at 7.50 APR

Used & Certified Cars

61 to 72 months

Starts at 7.90 APR

  

Passbook 02 to 72 months 4.50 APR
        
College Installment Up to 10 months Starts at 8.50 APR
        
Home Improvement  02 to 72 months Starts at 9.00 APR
     

 Back to School Loan

 02 to 12 months

 Starts at 8.25 APR

     
 Happy Holiday Loan 12 months Starts at 8.75 APR
        
Fall Fuel Fillup Loan Up to 12 months Fixed 6.25 APR

 (Maximum $2500.00)

    
VISA Credit Cards     11.90 APR
     
Risk-Based Signature Loan 02 to 72 months Starts at 10.0 APR
        
Share Overdraft ($1000.00 max) 01 to 24 months 13.0 APR


Valley Central Federal Credit Union
17 Walnut St.
Montgomery, New York 12549-2231
845.457.5592/5862
Fax: 845-457-3197
vcfcu@frontiernet.net