Redbrand Credit Union Lending and Deposit Rates">

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Lending Rates

Loan Type	Annual Percentage Rate	Term

2009 & Newer Vehicles	As low as 4.30%*	Up to 24 Months
	As low as 4.75%*	Up to 60 Months
	As low as 5.50%*	Up to 72 Months
A $20,000 loan at 4.75% for 60 months would have a monthly payment of $375.21.

2007 - 2008 Vehicles	As low as 4.50%*	Up to 48 Months
	As low as 4.75%*	Up to 60 Months
A $12,000 loan at 4.50% for 48 month term would have a monthly payment of $273.69.

2004 - 2006 Vehicles	As low as 5.50%*	Up to 48 Months
	As low as 5.75%*	Up to 60 Months
A $10,000 loan at 5.50% for 48 months would have a monthly payment of $230.33.

2003 & Older Vehicles	As low as 7.40%*	Up to 36 Months
	As low as 7.50%*	Up to 48 Months
A $8,000 loan at 7.40% for 36 months would have a monthly payment of $248.54.

2009 & Newer Motorcycles	As low as 4.50%*	Up to 48 months
	As low as 4.75%*	Up to 60 Months
A $15,000 loan at 4.50% for 48 months terms would have a monthly payment of $342.11.

2007-2008 Motorcycles	As low as 4.50%*	Up to 48 months
	As low as 4.75%*	Up to 60 Months
A $11,000 loan at 4.75% for 60 month term would have a monthly payment of $206.36.

2004-2006 Motorcycles	As low as 5.50%*	Up to 48 months
A $9500 loan at 5.50% for 48 month term would have a monthly payment of $218.82.

2009 & Newer ATV/Jet Skis	As low as 4.75%*	Up to 60 months
A $25,000 loan at 6.85% for a 96 month term would have a monthly payment of $339.09.

2009 & Newer Boats	As low as 6.85%*	Up to 96 months
Used Boats	As low as 4.75%*	Up to 60 months
A $25,000 loan at 6.85% for a 96 month term would have a monthly payment of $339.09.

2009 & Newer Motor Homes	As low as 7.40%*	Up to 120 months
Used Motor Homes	As low as 7.40%*	Up to 120 months
A $25,000 loan at 5.50% for a 72 month term would have a monthly payment of $402.70.

2009 & Newer Travel Trailers	As low as 6.85%*	Up to 96 months
Used Travel Trailers	As low as 5.50%*	Up to 72 months
A $25,000 loan at 5.50% for a 72 month term would have a monthly payment of $402.70.


Share Secured Loan	4.00%*	Review
A $10,000 loan at 4.00% for a 60 month term would have a monthly payment of $184.47.

CD Secured Loan	2 PTS +	Review
A $5,000 loan at 6.90% for a 60 month term would have a monthly payment of $99.05.


Signature Loan	As low as 9.00%*	Up to 60 months
A $10,000 loan at 9.00% for a 48 month term would havea monthly payment of $248.84.


Home Equity Line of Credit	as low as 4.25%*	Up to 240 months
A $25,000 loan at 6.00% for a 240 month term would have a monthly payment of $179.62.

Fixed Rate Home Equity Loan	As low as 6.50%*	Up to 120 Months
A $25,000 loan at 6.50% for a 120 month term would have a monthly payment of $283.89.

All loans/rates listed above will be within the range of rates stated and may vary according to your credit history/term/down payment/loan amount and value of collateral. Rates are subject to change without daily notice. For variable rate accounts (Home Equity Line of Credit), the rate may change after the account is opened. Risk based pricing may apply. **Home Equity Line of Credit (HELOC) Loans have a maximum term of 240 months and a varible rate feature. We start with an independent index, which is the Wall Street Journal Prime Rate, which is available to us 10 days prior to the date of any annual percentage rate adjustment. To determine the periodic rate, we add a margin to the value of the index, rounded up to the nearest quarter. The rate can change quarterly on the first day of January, April, July, and October. There is no limit on the amount the rate can change during any one year period. Under no circumstances will your rate be below 5.00% or be higher than a rate of 12%. First advance minimum must be $5000, and any subsequent advance must be over $1000. Call the loan department for any further questions you may have in regard to our HELOC product. Related Fees: Late payment fee of $20.00. Home Equity loans under $10,000 will have fees ranging from $150.00 to $400.00, based on loan amount. Loans over $10,000, Redbrand Credit Union will incurr fees at time of closing. All member paid fees will be charged at our direct cost and disclosed prior to disbursement of loan. Any fees incurred by Redbrand Credit Union on the processing of a Home Equity loan, which pays off within three years of the date of disbursement, will be charged back to the applicant at the time of payoff.

Deposit Rates

Primary Share Account**
Balances $25.00-$999.99			.39% Annual Percentage Yield*
Balances $1000.00-$9999.99			.49% APY*
Balances $10,000.00			.59% APY*
APY = Annual Percentage Yeild *Inactivity fee may apply.
Rates Subject to Change

Share Certificates Early withdrawal penalty pay apply
6 Month Term	Minimum $2,500	1.00% APY*
12 Month Term	Minimum $1,000	1.20% APY*
18 Month Term	Minimum $1,000	1.40% APY*
24 Month Term	Minimum $1,000	1.75% APY*
36 Month Term	Minimum $1,000	2.35% APY*
48 Month Term	Minimum $1,000	2.90% APY*

Money Market
	Minimum $2500	.65% APY*

Individual Retirement Accounts
		.39% APY*

Federally Insured by the NCUA