CURRENT RATES
As your credit union, we pride ourselves on offering competitive savings and loan rates. Please remember, all rates are subject to change at any time. To find out our most current rates, call us at (937) 643-2160 or toll-free (888) DAY-AIR-CU.
Loan Rates Effective: November 10, 2008
Savings Rates Effective: November 19, 2008
Savings Rates
Browse our savings rates below. All deposit accounts are insured to $250,000 by the National Credit Union Administration. In addition, we provide Excess Share Insurance coverage up to $250,000 at no extra charge for your accounts through Excess Share Insurance (ESI).
| Account Type |
Stated Rate |
APY |
Regular Savings, Vacation Club
IRA Savings Accounts |
|
|
| Balance to $249.99 |
0.00% |
0.00% |
| $250.00 to $2,499.99 |
0.60% |
0.60% |
| $2,500.00 to $24,999.99 |
0.75% |
0.75% |
| $25,000.00 and over |
0.90% |
0.90% |
| College Saver |
4.11% |
4.20% |
| Supreme Checking* |
|
|
| Balance to $499.99 |
0.00% |
0.00% |
| $500.00 to $2,499.99 |
0.50% |
0.50% |
| $2,500 - $9,999.99 |
0.60% |
0.60% |
| $10,000 and over |
0.75% |
0.75% |
Money Market (MMA)*
|
|
|
| Balances to $2,499.99 |
0.00% |
0.00% |
| $2,500.00 to $9,999.99 |
1.25% |
1.26% |
| $10,000 and over |
1.34% |
1.35% |
Super Saver*
|
|
|
| Balance to $24,999.99 (min $10,000) |
1.46% |
1.47% |
| $25,000.00 to $49,999.99 |
1.52% |
1.53% |
| $50,000 to $99,999.99 |
1.58% |
1.59% |
| $100,000 and up |
1.66% |
1.67% |
Health Savings Account
Balances of $500 and over |
3.44% |
3.50% |
Children's Savings and
Christmas Club |
|
|
| Balance to $249.99 |
0.50% |
0.50% |
| $250 and over |
0.60% |
0.60% |
Supreme Business Checking
Average Balance > $5,000 |
0.50% |
0.50% |
Certificate & IRA Certificate Rates
| Term |
Stated Rate |
APY |
| 6 Months |
2.57% |
2.60% |
| 12 Months |
3.15% |
3.20% |
| 18 Months |
3.34% |
3.40% |
| 24 Months |
3.54% |
3.60% |
| 36 Months |
3.83% |
3.90% |
| 48 Months |
4.11% |
4.20% |
| 60 Months |
4.50% |
4.60% |
APY = Annual Percentage Yield.
Monthly maintenance fees will be assessed if account falls below minimum balance. Rates are subject to change without notice. Please call for most current rates.
*Certificates require $500 minimum deposit.
Loan Rates
Browse our loan rates below.
| LOAN TYPE |
FIXED APR |
VARIABLE APR |
Vehicle Loans
Model years: 2009-2006*
Model years 2005-2003, add 1% to the rate. For model years 2002 and older that are not listed as a classic, add 3%.
|
4.99% |
4.74%
|
Motorcycles, Boats, Jet Skis, RVs, Travel Trailers
Model years: 2009-2003*
For models older than 2003, add 3% to the rate. |
6.74%
|
6.24%
|
Signature Loans
|
10.99% |
8.99% |
| New Computer |
9.99% |
8.49% |
| Miscellaneous Loans |
|
|
| Share Secured |
n/a |
5.00% (Prime+1%) |
| Certificate Secured |
4.00% + paid cert rate |
n/a |
| CheckLine - revolving |
16.00% |
n/a |
| Stretch Pay** - revolving |
18.00% |
n/a |
| Credit Cards
(Disclosure) |
|
|
| Visa Platinum |
9.9% |
n/a |
| Classic Visa |
13.9% |
n/a |
5 & 10 Year Mortgage
Refinance
your 1st
Mortgage balance
up to 70% of
appraised value
of your home.
Minimum finance
amount of
$20,000 with no
closing costs. A
$200 application
fee applies.
|
5.74%
(up to 60 mos.)
5.99%
(up to 120 mos.) |
|
Home Sweet Loan
Borrow up to 90%
of the available
equity in your
home. |
As low as
5.49%
(up to 60 mos. with LTV
80% or less)
As low as
5.99%
(up to 120 mos. with LTV
80% or less)
As low as
6.99%
(up to 60 mos. with LTV
81-90%)
As low as
7.49%
(up to 120 mos. with LTV
81-90%) |
|
Home Equity Line of Credit
Borrow up to 90%
of the available
equity in your
home.
|
|
As low as
3.74%*
represents Prime
minus .26*
(with LTV
80% or less)
As low as4.74%*
represents Prime minus .74*
(with LTV
81-90%)
|
APR = Annual Percentage Rate
APY = Annual Percentage Yield
LTV = Loan-to-Value
All loans are subject to credit approval and other underwriting requirements. To find out what your rate will be, contact a loan officer. For plans with a variable rate feature, the annual percentage rate may vary. Prime is currently 4.00% APR as stated in the Wall Street Journal, subject to adjustment on the first day of each calendar quarter. Closed-end loan rates listed include automatic payment option. For cash pay loans and automatic payments from another financial institution, add .25%. Rates subject to change. Please call for most current rates.
*Processing fee applies and will increase the Annual Percentage Rate.
**Stretch Pay loan has a $35/70 annual fee.
For plans with variable rates, the annual percentage rate may vary to a maximum of 18.00% APR. Home Equity Lines of Credit are subject to a $5,000 minimum and a $200,000 maximum: determined by credit history and Loan-to-Value. Add .25% for cash-pay closed-end loans and automatic payments from another financial institution.
** Routine closing costs run up to approximately $333. Property insurance is required. Consult your tax advisor for tax deductibility.
 |
Each member account insured to $250,000 by the National Credit Union Administration. |
|
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