Belvoir Federal Credit Union Rate Tables - All

Savings Rates - Savings

2009-03-25T00:00:00-04:00

Account Type	Dividend	APY*
¹ $50.00 minimum to earn dividends.
Share (basic savings)¹	0.50%	0.50%
Club¹	0.50%	0.50%
Share Life Insurance (currently not enrolling new members)	0.00%	0.00%
IRA Share	0.50%	0.50%

Savings Rates - Money Market

2009-11-01T00:00:00-04:00

Money Market¹ (effective 11.1.09 – 11.15.09)	Dividend	APY*
¹ Money Market accounts require a minimum deposit of $2,500.
$2,500 – $9,999	0.500%	0.50%
$10,000 – $24,999	0.700%	0.70%
$25,000 – $49,999	0.750%	0.75%
$50,000 – $99,999	0.795%	0.80%
$100,000 and up	0.990%	1.00%

Savings Rates - CUXcel Checking

2009-06-01T00:00:00-04:00

CUXcel¹	Dividend	APY*
¹ Qualifications per cycle are: eStatement with a valid email address, access BOB at least once, Direct Deposit or ACH transaction, and 15 or more Visa CheckCard transactions during the qualifying period. “Certain Restrictions Apply – Click here for qualifications”. Rates and Tiers as of June 1, 2009 and subject to change without notice. No Minimum Balance Required. Available to Personal Accounts only. A cycle is defined as beginning on the last business day of the month and continues through the next to last business day of the following month. For example, the rate that applies for the April activity will be based on the qualification cycle beginning March 31 and ending April 29. All other qualification cycles follow this same pattern of dates. ² Due to blended rate, APY varies, depending on balance. Increased balances have decreased yields. ³ All balances that do not meet the qualifications will receive a dividend rate of 0.10% APY.*
$0.01 – $25.000.00	3.932%	4.01%
$25.000.01 and up	1.005%	1.01% - 2.97%²
All balances³	0.10%	0.10%

Investing Rates - Share and IRA Certificates

2009-11-01T00:00:00-04:00

Share & IRA Certificates¹ (effectve 11.1.09 – 11.15.09)	Dividend	APY*
¹ Minimum balance of $1,000
6 Months	1.290%	1.30%
12 Months	1.585%	1.60%
18 Months	1.635%	1.65%
24 Months	1.980%	2.00%
30 Months	2.080%	2.10%
36 Months	2.274%	2.30%
48 Months	2.567%	2.60%
60 Months	3.005%	3.05%

Investment Rates - Roth IRA Share Certificates

2009-11-01T00:00:00-04:00

Roth IRA Share Certificates¹ (effective 11.1.09 – 11.15.09)	Dividend Rate	APY*
¹ Minimum balance of $1,000
12 Month	1.585%	1.60%
24 Month	1.980%	2.00%
36 Month	2.274%	2.30%

Investment Rates - Education IRA Share Certificates

2009-11-01T00:00:00-04:00

Education IRA Share Certificates¹ (effective 11.1.09 – 1.15.09)	Dividend	APY*
¹ Minimum balance of $500
12 Month	1.585%	1.60%

Investment Rates - Small Savers

2009-03-01T00:00:00-05:00

Small Savers¹	Dividend	APY*
¹ No minimum required; build to $500 first year, $1000 second year
12 Months	2.75%	2.75%

Investment Rates - Young Savers

2009-03-01T00:00:00-05:00

Young Savers¹	Dividend	APY*
¹ Under 18 years of age, $1000 max, one-year term only, one certificate per minor.
12 Months	5.25%	5.38%

Consumer Loans - Variable Rate

2009-11-01T00:00:00-04:00

Loan Type (Effective 11.1.09 – 11.30.09)	APR*
¹ The APR* shown above reflect the current minimum APR offered. The APR may be adjusted based on individual credit standing, term loan-to-value, debt-to-income ratio, and aggregate credit score. Please contact a loan officer to determine the rate and term for which you qualify. ² For qualified borrowers only. ⁴ Model Years 2002-2004 (100% financing when age of vehicle is 5-7 years older than current model year) These Annual Percentage Rates (APRs) are variable and subject to change quarterly based on the highest PRIME Rate as published in the Money Rates Section of the Wall Street Journal on the 15th day (if the 15th is not a business day, then the rate on the preceding business day) immediately preceding the first day of each calendar month of each year and cannot exceed 18% APR. As of October 15, 2009 the prime rate was 3.25%.
Share Secured	0.50%
Personal & Overdraft Line of Credit	8.15% – 12.15%¹
Gold Star Line of Credit²	7.75%
Used Passenger and Recreational Vehicles⁴	5.75% – 9.75%²

Consumer Loans - Home Equity Loans

2009-11-01T00:00:00-04:00

Term (Effective 11.1.09 – 11.30.09)	Up to 80% of Available Equity	APR*
These APR’s* are variable and subject to change monthly based on the highest PRIME Rate as published in the Money Rates Section of the Wall Street Journal on the 15th day (if the 15th is not a business day, then the rate on the preceding business day) immediately preceding the first day of each calendar month of each year and cannot exceed 18% APR. As of October 15, 2009 the prime rate was 3.25%.
Up to 180 Months	Up to $400,000	3.20%

Consumer Loans - Fixed Rate

2009-11-01T00:00:00-04:00

Loan Type	APR*¹	Terms
¹ APR = Annual Percentage Rate ² Up to 4 model years old. ³ The APR* shown above reflect the current minimum APR offered. The APR may be adjusted based on individual credit standing, term loan-to-value, debt-to-income ratio, and aggregate credit score. Please contact a loan officer to determine the rate and term for which you qualify. ⁴ A discount of one percent 1.00% is given with a down payment of $1,500. An additional 0.25% discount is given with direct deposit. ⁵ Maximum of $15,000 ⁶ Certain Restrictions Apply ⁷ $5,000 to $15,000 ⁸ With completion of Online seminar ⁹ Loan amount minimum $500, maximum $5,000 for loans less than $1,100 minimum payment of $25.00 per month. For loans greater than $1,100, payments calculated over a max of 48 months. Funds may only be used for the purchase of a VSA. Qualified members only.
Share Certificate Secured	Certificate rate + 3.00%	Term of Certificate
New/Used Passenger Vehicles²	3.74% – 11.00%³	1 – 36 Months
New/Used Passenger Vehicles²	5.24% – 11.25%³	37 – 60 Months
New/Used Passenger Vehicles²	5.24% – 11.75%³	61 – 72 Months
New/Used Passenger Vehicles²	6.50% – 13.75%³	73 – 84 Months
New/Used Recreational Vehicles²	7.50% – 11.50%³	1 – 120 Months
First Time Auto Buyer	14.25%⁴	60 Months⁵
Personal Prime Loan⁶	6.99%	60 Months⁷
Starter Visa	15.99%⁸	There is a 25-day grace period on all purchases.
Student Visa	12.90%	There is a 25-day grace period on all purchases.
Visa Platinum (up to $5,000)	13.99% ³	There is a 25-day grace period on all purchases.
Visa Platinum ($5,001 – $15,000)	9.90% ³	There is a 25-day grace period on all purchases.
Platinum Rewards Visa	10.90%⁵	There is a 25-day grace period on all purchases.
Vehicle Service Agreement Loan ($500 – $5,000)	6.00% ⁹	up to 48 months

Equity Advantage

2009-11-01T00:00:00-04:00

Term (effecitve 11.1.09 – 11.30.09)	Loan Amount	APR*
5 Years	$10,000 – $25,000	7.00%
15 Years	$25,000 -$400,000	7.25%
20 Years	$25,000 – $400,000	7.50%
30/15	$25,000 -$400,000	7.70%