SAVINGS & INVESTMENT RATES
Eff.5/1/2024
BASIC MEMBER PROGRAMS
Minimum Balance $5 dividends paid monthly |
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|---|---|---|
| Dividend Rate (a) | APY (b) | |
| Regular Share | 0.05% | 0.05% |
| Youth Account (c) | 0.20% | 0.20% |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account
(c) Youth Account defined as being under 16 years of age
REGULAR SHARE CERTIFICATES
Minimum Balance $300. Dividends Paid Monthly |
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|---|---|---|
| Term | Dividend Rate (a) | APY (b) |
| 6 Months | 3.30% | 3.55% |
| 1 Year (12 mos.) | 3.50% | 3.56% |
| 2 Years (24 mos.) | 3.55% | 3.61% |
| 30 Months | 3.55% | 3.61% |
| 3 Years (36 mos.) | 3.60% | 3.66% |
| 4 Years (48 mos.) | 3.60% | 3.66% |
| 5 Years (60 mos.) | 3.60% | 3.66% |
| 6 Years (72 mos.) | 3.65% | 3.71% |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account
All Term Certificates are subject to penalties for early withdrawal.
IRA PASSBOOK ACCOUNTS
Minimum Balance $25. Dividends Paid Monthly.IRA’s may also be invested in a Share Certificate of at least a 1 yr. term. |
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|---|---|---|
| Dividend Rate (a) | APY (b) | |
| Traditional | 0.10% | 0.10% |
| Roth | 0.15% | 0.15% |
| Educational | 0.25% | 0.25% |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account.
HOLIDAY & VACATION CLUB ACCOUNTS
Holiday and Vacation Club Accounts (minimum term 1 year)Minimum Balance $10 |
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|---|---|---|---|
| Dividend Rate (a) | APY (b) | Account Matures/Dividends Paid | |
| Holiday Club | 0.50% | 0.50% | 11/1/2024 |
| Vacation Club | 0.50% | 0.50% | 5/1/2025 |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account
HEALTH SAVINGS ACCOUNT
HSA’s may also be invested in a Share Certificate of at least a 1 yr. term. |
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|---|---|---|
| Dividend Rate (a) | APY (b) | |
| Dividend Paid Monthly | 0.15% | 0.15% |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account
MONEY MARKET ACCOUNT
Minimum Balance $300. Dividends Paid Monthly.$2,500 Minimum Balance to earn Dividends |
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|---|---|---|---|
| Dividend Rate (a) | APY (b) | Account Balance | |
| Tier 1 | 2.75% | 2.78% | $2,500 – $24,999 |
| Tier 2 | 2.80% | 2.84% | $25,000 – $49,999 |
| Tier 3 | 2.85% | 2.89% | $50,000 – $74,999 |
| Tier 4 | 2.90% | 2.94% | $75,000 – higher |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account
DIAMOND CLUB CERTIFICATES
Diamond Club members are full service members with a
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|---|---|---|
| Term | Dividend Rate (a) | APY (b) |
| 1 Year | 4.00% | 4.07% |
| 2 Years | 4.05% | 4.13% |
| 3 Years | 4.10% | 4.18% |
| 5 Years | 4.10% | 4.18% |
| 6 Years | 4.15% | 4.23% |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account
All Term Certificates are subject to penalties for early withdrawal.
JUMBO SHARE CERTIFICATES
Minimum Deposit $100,000. Dividends Paid Monthly. |
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|---|---|---|
| Term | Dividend Rate (a) | APY (b) |
| 6 Months | 3.60% | 3.66% |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account
All Term Certificates are subject to penalties for early withdrawal.
ONE UP SHARE CERTIFICATES
Minimum Deposit $1,000. Dividends Paid Monthly.Provides members with a one time option to raise the dividend rate for the remainder of the term of the certificate. |
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|---|---|---|
| Dividend Rate (a) | APY (b) | |
| 30 Months | 3.55% | 3.61% |
| 4 Years | 3.60% | 3.66% |
| 6 Years | 3.65% | 3.71% |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account
All Term Certificates are subject to penalties for early withdrawal.
VISA CREDIT CARD
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Regular | Diamond | Maximum |
|---|---|---|---|
| Tier | Rate | Club* | Limits |
| A+ | 11.90% | 9.90% | $25,000 |
| A | 11.90% | 9.90% | $20,000 |
| B | 13.90% | 11.90% | $17,500 |
| C | 15.90% | 13.90% | $12,000 |
SHARE SECURED VISA CARD AVAILABLE
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* Diamond Club Members are full service members who have
a Share Savings account, Share Draft Checking account, VISA Debit Card and a VISA Credit Card
VEHICLE LOANS
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* Diamond Club Members are full service members who have
a Share Savings account, Share Draft Checking account, Visa Debit card and a VISA Credit Card
(a) Automatic Debit Discount applies to Greater Cincinnati Credit Union deposit accounts
and only one discount (either automatic debit or Diamond Club) allowed per loan.
APR= Annual Percentage Rate
LTV= Loan to Value.
SHORT TERM PERSONAL LOAN
Minimum Loan Amount $500Terms up to 18 Mos. |
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|---|---|---|---|
| Regular | Diamond | Maximum | |
| Tier | Rate | Club* | Limits |
| A+ | 8.50% | 7.50% | $7,500 |
| A | 8.65% | 7.65% | $6,500 |
| B | 8.80% | 7.80% | $5,500 |
| C | 10.00% | 9.00% | $4,500 |
| D | 11.25% | 10.25% | $3,500 |
| E | 11.95% | 10.95% | $3,000 |
| Second Chance | 12.75% | 11.75% | $2,000 |
Rate Discount : Automatic Debit(a) -0.25% APR Eligible |
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* Diamond Club Members are full service members who have
a Share Savings account, Share Draft Checking account, Visa Debit Card and a VISA Credit Card
APR=Annual Percentage Rate
PERSONAL & HOME IMPROVEMENT LOANS
Home Improvement Loans Up to 84 monthsPersonal Loans up to 72 months |
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|---|---|---|---|
| Regular | Diamond | Maximum | |
| Tier | Rate | Club* | Limits |
| A+ | 10.50% | 9.50% | $20,000 |
| A | 10.65% | 9.65% | $20,000 |
| B | 11.15% | 10.15% | $15,000 |
| C | 12.15% | 11.15% | $10,000 |
| D | 12.85% | 11.85% | $7,500 |
| E | 13.85% | 12.85% | $5,000 |
Discount : Automatic Debit(a) -0.25% APR Eligible |
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* Diamond Club Members are full service members who have
a Share Savings account, Share Draft Checking account, VISA Debit Card and a VISA Credit Card
APR=Annual Percentage Rate
PERSONAL LINE OF CREDIT (P.L.C.)
Personal Line of Credit Loan |
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|---|---|---|---|
| Regular | Diamond | Maximum | |
| Tier | Rate | Club* | Limits |
| A+ | 10.90% | 8.90% | $15,000 |
| A | 11.90% | 9.90% | $15,000 |
| B | 12.90% | 10.90% | $12,000 |
| C | 14.90% | 12.90% | $7,500 |
| D | 16.90% | 14.90% | $5,000 |
| E | 17.90% | 15.90% | $3,000 |
* Diamond Club Members are full service members who have
a Share Savings account, Share Draft Checking account, VISA Debit Card and a VISA Credit Card
APR=Annual Percentage Rate
1ST MORTGAGES
For Owner Occupied, Single Family Homes$400 Non-refundable application fee required; 31 day rate lockup to max $766,550; Minimum loan $10,000; No annual fees. |
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|---|---|---|---|---|
| Tier | LTV | 10 Yrs. | 15 Yrs. | 30 Yrs. |
| A+ | 90% | 5.75% | 6.00% | 6.50% |
| A | 85% | 5.85% | 6.10% | 6.60% |
| B | 80% | 5.95% | 6.20% | 6.70% |
| C | 80% | 6.45% | 6.70% | 7.20% |
| D, E | 75% | 7.65% | 7.90% | 8.40% |
$1,000 Closing Cost Credit allowance for New MortgagesLTV= Loan to Value |
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HOME EQUITY
For Owner Occupied, Single Family Homes$400 Non-Refundable application fee required; 31 day rate lockminimum loan or line of credit $5,000; no annual fees |
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|---|---|---|---|---|---|
| Credit | Fixed Rate Loan | Variable | |||
| Tier | LTV | 7 Yrs. | 10 Yrs. | 12 Yrs. | Credit Line |
| A+ | 80% | 6.00% | 6.50% | 7.00% | 9.50% |
| A | 80% | 6.10% | 6.60% | 7.10% | 9.50% |
| B | 80% | 6.20% | 6.70% | 7.20% | 9.50% |
| C | 80% | 6.45% | 6.95% | 7.45% | 9.50% |
| D, E | 75% | 6.75% | 7.25% | 7.75% | 9.50% |
LTV= Loan to Value
COLLATERALIZED LOANS
Collateralized Loans |
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|---|---|
| Shared Secured Loan up to 8 years | 4.00% |
| Certificate Secured Loan (up to term of CD & CD rate +) | 4.00% |
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Greater Cincinnati Credit Union | All Rights Reserved. | Copyright 2017 | PRIVACY Opens a new window| Designed by Zoozler
