Belvoir Federal Credit Union Rate Tables - All

Savings Rates - Savings

2012-02-16T00:00:00-05:00

Account Type	APY*
¹ $50.00 minimum to earn dividends.
Prime Share (basic savings)¹	0.05%
Club¹	0.05%
Share Life Insurance (currently not enrolling new members)	0.00%
IRA Share	0.05%

Savings Rates - CUXcel Checking

2012-05-01T00:00:00-04:00

CUXcel¹	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 Check Card purchases during the qualifying period. “Certain Restrictions Apply – Click here for qualifications.” Rates and Tiers as of May 1, 2012 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 0.05% APY.*
$0.01 – $15.000.00	3.25%
$15.000.01 and up	3.25% to 0.24%²
All balances³	0.05%

Investment Rates - Roth IRA Share Certificates

2012-05-01T00:00:00-04:00

Roth IRA Share Certificates¹ (effective 5.1.12)	APY*
¹ Minimum balance of $1,000
12 Month	0.60%
24 Month	1.00%
36 Month	1.41%

Investment Rates - Education IRA Share Certificates

2012-05-01T00:00:00-04:00

Education IRA Share Certificates¹ (effective 5.1.12)	APY*
¹ Minimum balance of $500
12 Month	0.60%

Investment Rates - Small Savers

2010-04-16T00:00:00-04:00

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

Investment Rates - Young Savers

2010-05-01T00:00:00-04:00

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

Consumer Loans - Variable Rate

2012-05-01T00:00:00-04:00

Loan Type (Effective 5.1.12)	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 Up to 100% financing when age of vehicle is 8 years older than current model year as long as vehicle books in NADA. 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 May 1, 2012 the prime rate was 3.25%.
Personal & Overdraft Line of Credit	8.15% – 12.15%¹
Gold Star Line of Credit	7.75%¹
Used Passenger Vehicles²	5.25% – 9.25%¹
Used Recreational Vehicles²	5.75% – 9.75%¹

Consumer Loans - Home Equity Loans

2012-05-01T00:00:00-04:00

Term (Effective 5.1.12)	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 14% APR. As of May 1, 2012 the prime rate was 3.25%. Flood and /or property hazard insurance may be required.
Up to 180 Months	Up to $400,000	3.20%

Consumer Loans - Fixed Rate

2012-05-01T00:00:00-04:00

Loan Type (Effective 5.1.12)	APR*¹	Terms
¹ APR = Annual Percentage Rate ² Current model year or newer. ³ Up to 4 model years old. ⁴ 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, aggregate credit score, and product mix. Please contact a loan officer to determine the rate and term for which you qualify. ⁵ Includes Current Model Year plus four years back. ⁶ 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. ⁷ Maximum of $15,000 ⁸ Certain Restrictions Apply ⁹ $5,000 to $25,000 ¹⁰ 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	SecuredCertificate rate + 3.00%	Term of Certificate
New Auto²	1.99% – 10.50%⁴	1 – 48 Months
New Auto²	2.89% – 10.50%⁴	49 – 60 Months
Used Auto³	2.89% – 10.50%⁴	1 – 60 Months
New/Used Auto⁵	4.40% – 11.25%⁴	61 – 72 Months
New/Used Auto⁵	5.40% – 14.25%⁴	73 – 84 Months
New/Used Recreational Vehicles⁵	5.75% – 10.75%⁴	1 – 180 Months
First Time Auto Buyer	13.75%⁶	60 Months⁷
Personal Prime Loan⁸	6.99%	60 Months⁹
Vehicle Service Agreement Loan ($500 – $5,000)	6.00% ¹⁰	up to 48 months
Share Secured Prime	Share Rate + 3.00%	up to 84 months

Equity Advantage

2012-04-01T00:00:00-04:00

Fixed Term (Effective 4.1.12-6.30.12)	Loan Amount	APR*
*Rates subject to change. The above base rates reflect a loan-to-value of 80% or less. Rates do increase if the loan-to-value is greater than 80%. Maximum loan-to-value is 90%. Please contact a loan officer to determine the rate and term for which you qualify. Flood and /or property hazard insurance may be required.
5 Years	$10,000 – $400,000	2.99%
10 Years	$10,000 -$400,000	4.99%
15 Years	$10,000 – $400,000	5.99%
20 Years	$10,000 -$400,000	5.99%
30/15	$25,000 – $400,000	6.95%

Savings Rates - Certificates

2012-05-01T00:00:00-04:00

Share Certificates¹ (effective 5.1.12)	APY*
¹ Minimum balance of $1,000
6 Month	0.40%
12 Month	0.60%
18 Month	0.85%
24 Month	1.00%
30 Month	1.21%
36 Month	1.31%
48 Month	1.61%
60 Month	1.72%

Savings Rate - Compass Checking

2011-06-01T00:00:00-04:00

Compass Military Checking	APY*
All Balances	2.02%

Savings Rates - Money Market

2012-05-01T00:00:00-04:00

Money Market¹ (effective 5.1.12)	APY*
¹ Money Market accounts require a minimum opening deposit of $2,500.
$2,500 – $9,999	0.10%
$10,000 – $24,999	0.20%
$25,000 – $49,999	0.25%
$50,000 – $99,999	0.25%
$100,000 and up	0.50%