St. Joseph Mercy Hospital Pontiac Federal Credit Union

 

Loan Rates as Low As

Effective 09-30-11 (Rates change without notification. Call us for the latest updates)

Credit Ratings 680+ 640+ 600+ 560+ 530+ 529-
New Cars 2011-2012
Up to 60 Months 2.99 5.99 7.49 8.99 10.49 14.49
66 Months 4.75 6.25 7.75 9.25 10.75 14.75
72 Months 5.00 6.50 8.00 9.50 11.00 15.00
78 Months 5.50 7.00 8.50 10.00 11.50 15.50
84 Months 6.00 7.50 9.00 10.50 12.00 16.00
Used Cars 2006 - 2010
Up to 60 Months 5.00 6.50 8.00 9.50 11.00 15.00
66 Months 6.00 7.50 9.00 10.50 12.00 16.00
Used Cars 2002 - 2005
Up to 36 Months 5.50 7.00 8.50 10.00 11.50 15.50
48 Months 6.50 8.00 9.50 11.00 12.50 16.50
Used Cars 2001 & older
Up to 24 Months 8.50 10.00 11.50 13.00 14.50 17.50

 

Signature

 

9.90

 

9.90

 

12.90

 

12.90

 

15.00

 

15.00

 

Motorcycles

 

1.00%  Higher than Cars

 

Dividend Rates

Effective 09/30/2011 (Rates change without notification. Call us for the latest updates)

APR APY
Savings .15% .15%
Vacation Club .15% .15%
Christmas Club .15% .15%
Drafts (checking) .15% .15%
Grand Slam Drafts (checking) .65% .65%
IRA's .75% .75%

 

Certificates APR under 10K APR over 10K APR over 100K
6 Months .50 (0.50 APY) .50 (0.50 APY) .50 (0.50 APY)
1 Year .75 (0.75 APY) .75 (0.75 APY) .75 (0.75 APY)
2 Years 1.00 (1.01 APY) 1.00 (1.01 APY) 1.00 (1.01 APY)
3 Years 1.50 (1.51 APY) 1.50 (1.51 APY) 1.50 (1.51 APY)
4 Years 1.75 (1.76 APY) 1.75 (1.76 APY) 1.75 (1.76 APY)
5 Years 2.00 (2.02 APY) 2.00 (2.02 APY) 2.00 (2.02 APY)

 

Members that are Grand Slam Draft account holders qualify for an additional .50% added to the dividend rate on new certificates.