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Share Rates | Regular & IRA Term Share Rates | Loan Rates
Share Dividend Rates for 1st Quarter, 2008
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2.) You are linking to an alternate website not operated by Alhambra Credit Union;
3.) Alhambra Credit Union is not responsible for the conten of the alternate website;
4.) Alhambra Credit Union does not represent either the third party or the member if the two parties enter into a transaction;
5.) Privacy and security policies on the requested website may differ from those practiced by Alhambra Credit Union.
We make every effort to ensure the quality of our online partners. If you should ever have a negative experience with any of our online partners, please contact us immediately.
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| Balance |
Dividend Rate |
Annual Percentage Yield (APY) |
| Regular Shares: |
| 0 to $1,999 |
1.00% |
1.00% |
| $2,000 to $4,999 |
1.10% |
1.10% |
| $5,000 to $9,999 |
1.25% |
1.26% |
| $10,000 + |
1.30% |
1.31% |
| IRA Shares |
1.49% |
1.50% |
| Checking (balances over $1000) |
0.50%
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0.50% |
| Gold Star Checking* |
3.00%
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3.04% |
| *Required services: direct deposit, e-statements, NetBranch access, debit card |
| Money Market |
| $1,000 to $4,999 |
1.10% |
1.11% |
| $5,000 to $9,999 |
1.35% |
1.36% |
| $10,000 + |
1.85% |
1.87% |
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Nature of Dividends: Dividends are paid from current income and available earnings, after required transfer to reserves at the end of the dividend period.
Rates may change after an account is opened. Fees may reduce the earnings on an account.
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| Term |
Minimum Balance |
Dividend Rate |
Annual Percentage Yield (APY) |
| Six Month |
$1,000 |
2.88% |
2.91% |
| One Year |
$1,000 |
2.93% |
2.96% |
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$5,000 |
2.98% |
3.01% |
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$10,000 |
3.03% |
3.06% |
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$25,000 |
3.08% |
3.12% |
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$50,000 |
3.13% |
3.17% |
| Two Year |
$1,000 |
3.13% |
3.17% |
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$5,000 |
3.23% |
3.27% |
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$10,000 |
3.28% |
3.32% |
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$25,000 |
3.33% |
3.37% |
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$50,000 |
3.38% |
3.42% |
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$100,000 |
3.43% |
3.47% |
| Three Year |
$1,000 |
3.43% |
3.47% |
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$5,000 |
3.48% |
3.53% |
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$10,000 |
3.53% |
3.58% |
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$25,000 |
3.58% |
3.63% |
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$50,000 |
3.63% |
3.68% |
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$100,000 |
3.68% |
3.73% |
| Five Year |
$1,000 |
3.68% |
3.73% |
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$5,000 |
3.73% |
3.78% |
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$10,000 |
3.78% |
3.83% |
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$25,000 |
3.83% |
3.89% |
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$50,000 |
3.88% |
3.94% |
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$100,000 |
3.93% |
3.99% |
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Penalties may apply to early withdrawals. Fees may reduce dividends.
Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government
NCUA National Credit Union Administration
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Loan Rates and Terms Addendum
This Addendum is incorporated into and becomes a part of your LOANLINER Credit/Security Agreement
Effective date: May 7th 2008
Replaced Addendum dated April 30th , 2008
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| Sub Account Description |
Open-End Term |
Daily Periodic Rate |
*Annual Percentage Rate |
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Vehicle
72 Months
84 Months
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New & Used |
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.016438% - .048986%
.017808%-.031178%
.019178% - .032548%
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6.00% - 17.88%
6.50% - 11.38%
7.00% - 11.88%
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Boats/RVs/Motorcycles
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New & Used |
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.020219% - .053096% |
7.38% - 19.38% |
| Share Secured |
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60 Months max. |
3% over rate paid or pledged shares (Regular or term shares only) |
| Personal (Signature) |
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36 Months max. |
.025699% - .053096% |
9.38% - 19.38%
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| Limit based on Credit Matrix |
| Personal Line of Credit (PLC) |
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Revolving |
.025699% - .053096% |
9.38% - 19.38% |
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The monthly payment is $35.00 per $1,000 of outstanding balance, and is automatically transferred from your checking account on the 21st of each month.
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Advance Pay Day Loan (APL)
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Revolving |
.032877% |
12.00% |
| Home Equity Line of Credit: |
Five, Ten, and Fifteen Year Loans Available
Borrow up to 90% of home value minus your outstanding mortgage balance. |
| *The ANNUAL PERCENTAGE RATE you receive for each sub account will be within the ranges disclosed and is based on certain creditworthiness criteria. Please ask the credit union for the rate at which you qualify. |
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AUTO PAYMENT DISCOUNT: A .25% rate discount will be taken for payments on new loans made by payroll deduction or auto transfer. Your rate will increase by .25% if you discontinue payroll deduction or auto transfer payments. PLC, rate match, APL, and share secured loans do not apply.
ADVANCE PAYDAY LOAN: Employer's direct deposit is required. $10.00 periodic fee per Month . Payments vary depending on balance. 25.00 is deposited into a special savings account on each advance, frozen until account balance equals $500.00.
FILING FEES: If you give a security interest in certain types of property, other than your home, we may charge you a filing fee to perfect our interest in the property. If so, the amount of the fee will be disclosed to you at the time you obtain an advance.
CROSS COLLATERALIZATION: Property given as security for any advance under the LOANLINER Credit and Security Agreement, also referred to as the Plan, will secure all other amounts you owe under the Plan or under any other Agreement with us now or in the future. However, if you have given your dwelling as security for a loan with us, that dwelling will not secure an advance made under the Plan.
FAILURE TO RETURN A MOTOR VEHICLE SUBJECT TO A SECURITY INTEREST: It is unlawful to fail to return a motor vehicle subject to a security interest within 30 days after receiving notice of default. A Notice to Surrender will be sent by certified mail to the owner at the address on the loan agreement. It is the responsibility of the owner to keep the address current. Failure to comply with the Notice to Surrender within 30 days is a Class 6 Felony under A.R.S. 13-1813 and carries a maximum penalty of imprisonment for one year.
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