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Current Rates
Deposit Rates
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format.
These rates and yields are accurate as of
July 21st, 2008.
Please contact the Credit Union for current rate information and for
further information about the fees and terms applicable to the advertised
accounts. Quoted rates are subject to change daily.
| Account Type |
Term |
Min. Balance |
Penalty |
Dividend Rate |
APY** |
| Share Draft (Checking) |
N/A |
N/A |
-- |
0% |
0% |
| Club |
N/A |
N/A |
-- |
1.00% |
1.01% |
| Shares |
N/A |
$25.00 |
-- |
1.00% |
1.01% |
| IRAs |
-- |
N/A |
-- |
2.00% |
2.02% |
|
Money Market Accounts |
Tier 1
Tier 2
Tier 3
Tier 4 |
$2,000 to $25,000
$25,001 to $50,000
$50,001 and $100,000
$100,001 and over |
--
--
--
-- |
1.25%
1.50%
2.00%
2.50% |
1.26%
1.51%
2.02%
2.53% |
Rates:
Traditional & Roth IRAs, Coverdell
Education Certificates, and Share Certificates
| Account Type |
Term |
Min. Balance |
Penalty |
Dividend Rate |
APY** |
Traditional & Roth IRA
Certificates,
Coverdell ESA Certificates, and Share Certificates |
6 Mos. |
$500 |
90 days |
2.86% |
2.90% |
|
9
Mos. |
$500 |
90
days |
2.96% |
3.00% |
| -- |
1 year |
$500 |
90 days |
3.06% |
3.10% |
|
18
Mos. |
$500 |
90
days |
3.15% |
3.20% |
| -- |
2 year |
$500 |
90 days |
3.35% |
3.40% |
| -- |
3 year |
$500 |
180 days |
3.54% |
3.60% |
| -- |
4 year |
$500 |
180 days |
3.74% |
3.80% |
| -- |
5 year |
$500 |
180 days |
4.17% |
4.25% |
Rates:
Youth Certificates
| Account Type |
Term |
Min. Balance |
Penalty |
Dividend Rate |
APY** |
| Youth Certificates |
6 Mos. |
$250 |
90 days |
2.86% |
2.90% |
| |
9
Mos. |
$250 |
90
days |
2.96% |
3.00% |
| -- |
1 year |
$250 |
90 days |
3.06% |
3.10% |
| |
18
Mos. |
$250 |
90
days |
3.15% |
3.20% |
| -- |
2 year |
$250 |
90 days |
3.35% |
3.40% |
| -- |
3 year |
$250 |
180 days |
3.54% |
3.60% |
| -- |
4 year |
$250 |
180 days |
3.74% |
3.80% |
| -- |
5 year |
$250 |
180 days |
4.17% |
4.25% |
** Annual Percentage Yield.
The Annual Percentage Yield (APY) assumes interest will remain on deposit
until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for an early withdrawal. Rates are subject to
change without notice. Certificate rates quoted are fixed for the term of
the account. Certificates renew at the end of the quoted term with no
grace period.
Dividend Payment Policy
Dividends on your account are computed on an average daily balance and
credited monthly.
All
dividends are paid on the last day of each month.
Loan Rates
Members of Maine State CU are welcome to apply for a loan at any time in person or online. You will generally find that our loan
rates are very competitive. Loan applications are usually processed "on the spot" and the check issued the same day.
#
Rate shown is "as low as" rate. Actual interest rate is
determined by credit qualifications.
| Loan Rate |
Terms |
APR* |
Down Payment Required |
Monthly Payment Per $1,000 |
| Share Secured |
Variable** |
-- |
-- |
-- |
| New & Late Model Used Vehicles &
Motorcycles,
Snowmobiles & ATVs
(2003's and newer) All other recreational vehicles not listed above
with loan amounts over $10,000. |
24 Mos |
# 4.25% |
none |
$43.54 |
| |
36 Mos. |
# 4.50% |
none |
$29.75 |
| -- |
48 Mos. |
# 4.75% |
none |
$22.92 |
| -- |
60 Mos. |
# 5.00% |
none |
$18.88 |
| -- |
72 Mos. (new or used over $15,000) |
# 6.00% |
none |
$16.58 |
| -- |
84 Mos. (new only over $25,000) |
# 6.50% |
none |
$14.86 |
| Used Vehicle,
Motorcycle, Snowmobile, ATV (2002's and older) and other
recreational vehicles not listed above with loan amounts under
$10,000. |
24 Mos. |
# 6.25% |
none |
$44.44 |
| |
36 Mos. |
# 6.50% |
none |
$30.66 |
| -- |
48 Mos. |
# 6.75% |
none |
$23.84 |
| -- |
60 Mos. |
# 7.00% |
none |
$19.81 |
| Classic Visa |
Fixed |
11.9% |
n/a |
n/a |
| Gold Visa |
Fixed |
9.9% |
n/a |
n/a |
| Signature |
48 Mos. |
# 9.25% |
n/a |
$25.01 |
| Overdraft Protection |
Revolving |
14.00% |
n/a |
n/a |
| Home Equity or Credit Line*** |
-- |
--- |
n/a |
n/a |
| Mobile Homes (4 years or newer) |
120 Mos. |
12.50% |
-- |
-- |
| Mobile Homes (5 years or older) |
120 Mos. |
14.00% |
-- |
-- |
| All Purpose Loan |
60 Mos. |
8.90% |
-- |
$20.72 |
* Annual Percentage Rate
# Rate
shown is "as low as" rate. Actual interest rate is determined
by credit qualifications. ** Share Secured-Variable Rate -2% over highest share dividend
at time of loan. Annual adjustment in January.
*** Please call for current rates and terms.
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