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Our Competetive Rates
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LOAN RATES
Loan Rates are subject to change. Loan Officer approval is based on credit rating and current ability to pay.
Use our calculator
Rates effective 12/31/09.
| Loans |
Rates as low as |
APR * |
Term |
|
Signature Loan ** |
8.50 |
8.50 |
n/a |
|
Consolidation Loan ** |
8.50 |
8.50 |
n/a |
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100% Share Secured Loan |
5.25 |
5.25 |
n/a |
|
Home Equity Loan 60
(80% equity)** |
5.00 |
5.00 |
60 |
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Home Equity Loan 120
(80% equity)** |
5.60 |
5.60 |
120 |
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Home Equity Loan 180
(80% equity)** |
6.00 |
6.00 |
180 |
| Church Ministry Loan |
6.00 |
6.00 |
60 |
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Auto Loan (2008-2009 models) ** |
5.50 |
5.50 |
48/60 |
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Auto Loan (2008-2009 models) ** |
5.25 |
5.25 |
36 |
|
Auto Loan (2006-2007 models) ** |
1% over APR |
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Auto Loan (2003-2005 models) ** |
2% over APR |
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Visa Credit Card |
11.90 |
11.90 |
n/a |
Receive a .25% discount on a home equity loan when you open a new checking account!
* APR = Annual Percentage Rate
** = Keystone UMFCU assigns the rate based on the individual credit risk provided by your personal Fair Isaac Score. The credit union offers counseling to help improve your risk score, in order to provide you with a lower rate. Contact the loan officer, Ext. 230, for further information.
Loan Application | Go To Calculators
SAVINGS RATES
| Savings |
Dividend Rate |
APY * |
Term |
| Up to $2500 ** |
0.50 |
0.50 |
n/a |
| Up to $10000 ** |
0.75 |
0.77 |
n/a |
| Maximum ** |
1.00 |
1.00 |
n/a |
| Christmas Club |
0.50 |
0.50 |
n/a |
| All Purpose Account |
0.50 |
0.50 |
n/a |
| Share Draft Checking |
0.50 |
0.50 |
n/a |
| Money Market Checking |
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| over $10000 |
0.75 |
0.75 |
n/a |
| over $25000 |
1.00 |
1.00 |
n/a |
| over $50000 |
1.25 |
1.26 |
n/a |
Dividends declared for the 4th Quarter 2009
* APY = Annual Percentage Yield
** Life Savings Insurance up to $3000. Certain restrictions apply.
Rates are subject to change weekly. Call the Credit Union office for updates.
As of 12/31/09
CERTIFICATES of DEPOSIT (CD)
KUMFCU offers great rates on CDs and has a variety of CD products available. Call the credit union office for current rates at (724) 776-2300 ext. 257.
As of 12/31/09
| Minimum |
Dividend Rate |
APY * |
Term |
| $1,000** |
.90 |
NA |
6 months |
| $10,000** |
1.00 |
1.00 |
6 months |
| $1,000** |
1.25 |
1.26 |
12 months |
| $25,000** |
1.30 |
1.31 |
12 months |
| $2,500*** |
1.30 |
1.31 |
18 months |
| $1,000*** |
1.75 |
1.75 |
30 months |
All rates are fixed for term of certificate
Rates are subject to change weekly.
Penalty for early withdrawal.
* APY = Annual Percentage Yield
**Paid quarterly
***Paid at maturity |
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KUMFCU
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724-776-2300 ext 257
412-894-0966
814-209-0029
Toll Free: 800-886-3382
Fax: 724-776-1377 Email us at:
info@keystoneumfcu.org
Hours of Operation
Monday through Friday
8:30am to 4:00pm
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