![]() The loan-to-value ratio can be up to 90%. Payment amounts do not include taxes and insurance and repayment terms may vary depending upon rate. A consumer who finances $10,000 at a term of 180 months and at an annual percentage rate of 10.50% would result in 180 payments of $110.54. ![]() A payment example for a consumer who finances $10,000 at a term of 60 months and at an annual percentage rate of 9.75% would result in a 60 payments of $211.24. Rates may vary depending upon credit qualifications and selected terms. Fees may reduce earnings.ĥAPRs are subject to change without notice. If the account is closed, the $5 will be returned. A one-time $5 deposit is required by Credit Union Bylaws for membership. If the account is closed before dividends are credited, any accrued dividend will not be credited. No dividend will be paid if the account ADB is below $200 for the month ($1 for Little Gobbler Club and Freedom Dash ® accounts). ![]() For example, if the account ADB is $5,600 for the month, the entire $5,600 will be paid a dividend at the Tier 2 rate. The "Dividend Rate" for that tier will be used to pay the dividend on the entire ADB. The dividend Tier A method means that the dividend rate used will be based on the account ADB and the dividend rate for that ADB. The ADB is computed by adding the balance in the account for each day in the month and dividing that figure by the number of days in the month. Dividends on these accounts are calculated by using the account Average Daily Balance (ADB) and the Tier A dividend method. Annual Percentage Yield (APY) is variable and subject to change without prior notice. ![]() 1All Dividends on this Schedule are Posted and Compounded Monthly. ![]()
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