Standard Register Federal Credit Union
 
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~INTEREST RATES, DISCOUNTS, AND GAP WAIVER COVERAGE COST MAY VARY FOR LOANS CLOSED AT DEALERS.~

(Rates are subject to change)
Effective May 9, 2008

TERMS OFFERED ARE BASED ON INFORMATION FROM A CONSUMER CREDIT REPORT. 
YOUR RATE MAY BE AS LOW AS THE FOLLOWING:

 

Loans Rate APR* Term  

New Vehicle Loan (Current Year and Prior Year)

5.500 5.500 36 Calculator

New Vehicle Loan (Current Year and Prior Year)

5.500 5.500 48 Calculator

New Vehicle Loan (Current Year and Prior Year)

5.500 5.500 60 Calculator

New Vehicle Loan (Current Year and Prior Year)

6.000 6.000 72 Calculator

New Vehicle Loan (Current Year and Prior Year)

6.500 6.500 84 Calculator

Used Vehicle Loan (2006 and older)* *

5.500 5.500 36 Calculator

Used Vehicle Loan (2006 and older)* *

5.500 5.500 48 Calculator

Used Vehicle Loan (2006 and older)* *

5.500 5.500 60 Calculator

Used Vehicle Loan (2006 and older)* *

6.000 6.000 66 Calculator
Motorcycles, ATVs, Boats, & RVs (Current Year and Prior Year) 5.500 5.500 36 Calculator
Motorcycles, ATVs, Boats, & RVs (Current Year and Prior Year) 5.500 5.500 48 Calculator
Motorcycles, ATVs, Boats, & RVs (Current Year and Prior Year) 5.500 5.500 60 Calculator
Boats, & RVs (Current Year and Prior Year) 6.000 6.000 72 Calculator
Boats, & RVs (Current Year and Prior Year) 6.500 6.500 84 Calculator
Motorcycles, ATVs, Boats, & RVs (2006 and Older)** 5.500 5.500 42 Calculator
Motorcycles, ATVs, Boats, & RVs (2006 and Older)** 5.500 5.500 48  Calculator
Motorcycles, ATVs, Boats, & RVs (2006 and Older)** 5.500 5.500 60 Calculator
Home Equity Line of Credit (revolving)*** (Wall Street Journal Prime less .50%) 80%LTV 4.500 4.500 180 Calculator
Second Mortgage 80% LTV 5.250 5.250 60 Calculator
Second Mortgage 80% LTV 5.500 5.500 84 Calculator
Second Mortgage 80% LTV 5.750 5.750 120

Calculator

Second Mortgage 80% LTV 6.000 6.000 180

Calculator

Stock Secured 5.500 5.500 36 Calculator
Stock Secured 5.500 5.500 48 Calculator
Stock Secured 5.500 5.500 60 Calculator
Personal Signature Loan (unsecured) 10.250 10.250 12 Calculator
Personal Signature Loan (unsecured) 11.250 11.250 24 Calculator
Personal Signature Loan (unsecured) 12.250 12.250 36 Calculator
Personal Signature Loan (unsecured) 13.250 13.250 48 Calculator
Personal Signature Loan (unsecured) 14.250 14.250 60 Calculator
Revolving Credit Lines 15.750 15.750 36 Calculator
SRC Dell Computer Loan   0.000 36  
Visa Classic Credit Card 12.900 12.900 n/a  
Visa Gold Credit Card 10.900 10.900 n/a  
Visa Platinum Credit Card 8.900 8.900 n/a  

 

*APR = Annual Percentage Rate
**Term of loan may be shorter, based on year of vehicle.
***3.50% floor, 18.00% ceiling. Monthly payment is 2% of the outstanding balance.

WALL STREET JOURNAL PRIME LENDING RATE - 5.00%. (Effective 5/1/08)


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SHARE DIVIDEND RATES
EFFECTIVE AUGUST 22, 2008 - AUGUST 28, 2008 
 

 

Savings Dividend Code Rate APY* Term
Regular Savings (Min. $50) 2-A 0.50 0.50 n/a
Contributory IRA (Min. $1) 2-A 1.00 1.00 18
Santa Savings (Min. $1) 2-A 0.50 0.50 n/a
Checking (Min. $50) 1 0.25 0.25 n/a
Preferred Checking ($2500.00 - $19,999.99) 1 1.05 1.05 n/a
Preferred Checking ($20,000.00 and higher) 1 1.30 1.30

n/a

Money Market ($2,500.00 - $24,999.99) 1 1.55 1.56 n/a
Money Market ($25,000 - $59,999.99) 1 1.80 1.81 n/a
Money Market ($60,000 and higher) 1 2.05 2.06 n/a

 

*APY = Annual Percentage Yield

DIVIDEND CODE EXPLANATION
1. Dividends computed on average daily balance -paid monthly.
2-A. Anticipated dividends computed on average daily balance- paid quarterly.

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Certificates Dividend Code Rate APY* Term(Months)
Certificate (Min. $500) 3 2.50 2.52 3
Certificate (Min. $500) 4 2.50 2.52 3
Certificate (Min. $500) 3 2.70 2.72 6
Certificate (Min. $500) 4 2.70 2.73 6

Certificate/IRA (Min. $500)

5 3.20 3.23 12
Certificate/IRA (Min. $500) 5 3.40 3.44 18
Certificate/IRA (Min. $500) 5 3.70 3.75 24
Certificate/IRA (Min. $500) 5 3.75 3.80 30
Certificate/IRA (Min. $500) 5 3.80 3.85 36
Certificate/IRA (Min. $500) 5 4.00 4.06 42
Certificate/IRA (Min. $500) 5 4.20 4.26 48
Certificate/IRA (Min. $500) 5 4.35 4.42 54
Certificate/IRA (Min. $500) 5 4.50 4.57 60
Contributory IRA (Min. $500) 5 3.40 3.44 18

 

*APY = Annual Percentage Yield
After the Certificate is opened, the dividend rate is fixed for the term.
A penalty is imposed for early withdrawal.

DIVIDEND CODE EXPLANATION

1. Dividends computed on average daily balance - paid monthly.
3. Dividends paid at maturity- deposited or mailed.
4. Dividends paid monthly - deposited or mailed.
5. Dividends paid quarterly- deposited, mailed, or compounded.
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