Rates | Fees


Share Rates


Rates Effective: as of 04/20/2017

SHARES & ADDITIONAL SAVINGS* Dividend APY
$10 – $499 0.05% 0.05%
$500 – $1,999 0.05% 0.05%
$2,000 – $4,999 0.05% 0.05%
$5,000 – $9,999 0.05% 0.05%
$10,000 – $24,999 0.05% 0.05%
$25,000 & OVER 0.05% 0.05%
MONEY MARKET ACCOUNT*
$2,500 – $9,999 0.10% 0.10%
$10,000 – $24,999 0.10% 0.10%
$25,000 – $49,999 0.20% 0.20%
$50,000 – $99,999 0.20% 0.20%
$100,000 & OVER 0.25% 0.25%
CHILDREN’S ACCOUNT* 0.10% 0.10%
TEEN ACCOUNT* 0.10% 0.10%
SHARE DRAFT* 0.00% 0.00%
SHARE CERTIFICATES & IRA CERTIFICATES Dividend APY
$1,000 – $9,999 3 MONTH 0.10% 0.10%
$1,000 – $9,999 6 MONTH 0.25% 0.25%
$1,000 – $9,999 1 YEAR 0.45% 0.45%
$1,000 – $9,999 2 YEAR 0.80% 0.80%
$1,000 – $9,999 3 YEAR 1.30% 1.31%
$1,000 – $9,999 5 YEAR 1.80% 1.81%
$10,000 – $49,999 3 MONTH 0.20% 0.20%
$10,000 – $49,999 6 MONTH 0.35% 0.35%
$10,000 – $49,999 1 YEAR 0.55% 0.55%
$10,000 – $49,999 2 YEAR 0.90% 0.90%
$10,000 – $49,999 3 YEAR 1.40% 1.41%
$10,000 – $49,999 5 YEAR 1.90% 1.92%
$50,000 & OVER 3 MONTH 0.30% 0.30%
$50,000 & OVER 6 MONTH 0.45% 0.45%
$50,000 & OVER 1 YEAR 0.65% 0.65%
$50,000 & OVER 2 YEAR 1.00% 1.00%
$50,000 & OVER 3 YEAR 1.50% 1.51%
$50,000 & OVER 5 YEAR 2.00% 2.02%
IRA (DAILY ACCOUNT)* 0.10% 0.10%

* Variable Rate.

Note: All dividends are paid monthly.

 

 

 

 

Loan Rates

WHITE CROWN FEDERAL CREDIT UNION

Loan Rates Effective: 06/05/2017

New Vehicle Loans 2012 or newer* Current APR
  • Up to 24 months
  • Up to 36 months
  • Up to 48 months
  • Up to 60 months
  • Up to 72 months
  • Up to 84 months
  • as low as 2.49%
  • as low as 2.49%
  • as low as 2.49%
  • as low as 2.59%
  • as low as 2.84%
  • as low as 4.09%
Used Vehicle Loans 2011 or older Current APR
  • Up to 24 months
  • Up to 36 months
  • Up to 48 months
  • Up to 60 months
  • Up to 72 months
  • Up to 84 months
  • as low as 2.99%
  • as low as 2.99%
  • as low as 2.99%
  • as low as 3.09%
  • as low as 3.34%
  • as low as 4.59%
Motorcycle
  • Up to 72 months
  • as low as 4.50%% – 18.00%
Recreational Vehicles
  • Up to 120 months
  • as low as 6.84% – 18.00%
  • Signature Loans
  • as low as 9.99% – 17.99%
  • Line of Credit
  • 17.00%
  • Share Secured*
  • Rate Plus 3%
  • Certificate Secured*
  • Rate Plus 3%
2nd Mortgages**
  • Fixed Rate – 5 year
  • 4.49% – 13.75%
  • Fixed Rate 10 year
  • 4.99% – 15.50%
  • Fixed Rate 15 year
  • 5.99% – 16.50%
Home Equity – Line of Credit***
  • Up to 80% Loan to Value
  • Prime Rate minus .75% Thru Prime Rate Plus 5.00%
  • Up to 85% Loan to Value
  • Prime Rate minus .50% Thru Prime Rate Plus 5.75%
  • Up to 90% Loan to Value
  • Prime Rate Thru Prime Rate Plus 6.75%

Rates based on credit rating and loan term.

*APR = Annual Percentage Rate
Terms up to 84 months available upon request. Contact a loan officer for details.
**Terms available on fixed 2nd mortgages range from 3 to 15 years. Contact the credit union for additional rates
Rates are subject to change without notice. Loan rates and terms are dependent on credit qualifications and loan-to-value of collateral. Loan rates listed are the lowest APR for well qualified borrowers and include all available discounts.
Terms up to 120 months available.

*** Prime +.00% Annual Percentage Rate is available with combined loan to value of no more than 90%. APR will vary based on Prime Rate as published in the Wall Street Journal which was 4.25% as of 6/15/2017.  APR will not exceed 18% or be lower than 3.99%.

Loans subject credit qualification. Other restrictions may apply, call for details. Real estate loans are available on Colorado residences only.

Fees


CARD FEES
ATM Card Annual Fee $25.00
Card Rush Fee $50.00
Gift Cards $3.95
PIN Reorder $2.00
Replacement Card $7.00
Travel Card Purchase $8.95
Travel Card Reload $2.00
LOAN ACCOUNT FEES
Consumer Loan Late Fee $15.00
In-house Consumer Refinance 1 free, $50.00/loan
Loan Extension/Modification $40.00
Loan Subordination $150.00
Real Estate Loan Late Fee 5% of payment or
$15.00 whichever is greater
Real Estate Loan Payoff Statement $15.00
OTHER SERVICE FEES
Account Closure within 6 months $25.00
Account Reconciliation Research Assistance $35.00/hour,
$35.00 minimum
ATM Adjustment $15.00
Bad Address Fee $5.50/month
Bill Pay Stop Payment $25.00
Cash Advance Our Member–Not Our Card $5.00
Cash Advance Our Member– Our Card FREE
Cash Advance Shared Branching $10.00
Coin Counting 3% of total
Early Withdraw from Certificate 5% of balance at time of withdrawal
Empty ATM Envelope $50
E-Statements FREE
Garnishment $50.00
Going Below Money Market minimum $2,500 no dividends
Holiday Club Withdraw 1 free, $5.00 each time until maturity
IRA Share Closure $25.00
Money Market Withdraw 6 free, then $5.00/month
Money Order $3.00
No Account Activity after 12 months $5.50/month
No Bill Pay Activity after 3 months $5.00/month
Notary Fee Member FREE
Notary Fee Non-Member $5.00
Official Check $4.00
On-us check cashing w/ no acct $5.00
Outgoing Wire $20.00
Paper Statement $2.00/per statement
Returned Check Deposits $15.00
Statement Copy $3.00/statement
Vacation Club Withdraw 1 free, $5.00 each time until maturity
SHARE DRAFT ACCOUNT FEES
Check Copy $2.00/check
Check Order Varies by style
Courtesy Pay Fee $29.00
No Checking Account Activity after 6 months $5.00/month
NSF Fee $29.00
Overdraft Transfer $2.00
Stop Payment $29.00
Temporary Checks $1.00/4 checks with check order
$2.00/4 checks w/o check order

Calculators

*Click on the link to view the calculator

Mortgage Qualifier Find out just how much home you can afford!
Enhanced Loan Calculator Calculate your monthly payment, loan amount, interest rate or term.
Personal Debt Consolidation Determine if debt consolidation is right for you.
Retirement Nestegg Calculator Determine what size your retirement nestegg should be.
Checkbook Balancer Balance your checkbook with this quick and easy calculator.

 

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.