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WANT TO LOWER YOUR FINANCING
RATE?
Take advantage of additional rate discounts
by simply using SwRCFCU services!
You can get a
0.50% discount off your APR with any two of the following
services:
.25% with a MasterCard
.25% with active Checking Acct & direct
deposit
.25% with Line of Credit Loan
.25% with purchase of GAP
.25% with the purchase of MMP
.25% if CU member for 10yrs+
Certain restrictions and
details apply to receive the discounts listed
above. Contact the credit union for more
details.
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NEW & USED VEHICLES
We’re going to make financing a new or used vehicle as easy as possible with low and affordable rates!
Rates as low as
3.90%
APR*
Financing
terms vary. Please contact the credit union
for more information.
NEW & USED VEHICLE REFINANCING
Refinance your
2007-2010 auto loan held at another financial
institution and we will offer you up to 2% off
your current rate.
No
additional discounts available and lowest rate
would be 3.90% with a maximum of 66 months.
Financing terms vary. Please contact the
credit union for more information.
BOAT, MOTORCYCLE, ATV, AND
WATERCRAFT LOANS
Tired of staying home on the weekends? We can help you hit the open road or catch a day at the lake with great financing rates for any motorized vehicle!
Rates as low as
5.25%
APR**
Financing
terms vary. Please contact the credit union
for more information.
R.V. AND TRAVEL TRAILER LOANS
If camping is on your calendar this summer, we can help by financing a travel trailer or RV at specially reduced rates.
Rates as low as
6.25% APR**
Recreational vehicle financing up to 144
months!
Financing terms vary. Please contact the
credit union for more details.
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*All rates are ANNUAL
PERCENTAGE RATES. For promotional
purposes, lowest available rate is stated. All
rates subject to credit qualifying criteria and
may change without notice. Loans at SwRCFCU are
not eligible. Contact the CU for rate
verification.
SOUTHWEST RESEARCH
CENTER FEDERAL CREDIT UNION |
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2010
SPRING SIGNATURE LOANS
Borrowing on your
signature has never been easier when you take
advantage of these low loan rates. You can
borrow for a vacation, to remodel your home,
purchase new furniture or you can even
consolidate your debt! Once you’re
approved, funds can be accessed at your
convenience either by check or by cash.
Signature Loan
financing up to 60 months with a minimum
borrowing of $3,500.00
Rates as low as
5.90% APR*
MasterCard
PLASTIC SURGERY
Nip
and tuck your high interest credit cards and
replace them with a new, attractive low-cost
SwRCFCU MasterCard!!! What makes ours so much
better? Low interest rates, no annual fees, no
balance transfer fees and a 25-day grace period
on purchases, Plus, there are NO hidden fees and
we haven't had a rate increase in over 15 years.
Rates as low as
8.90%
APR** |
LINE OF CREDIT LOANS
Discover the confidence and convenience of a line of credit loan! Once you’re approved, funds can be accessed at your convenience either by check or by cash advances but you only pay interest on the amount(s) advanced and no finance charges can accrue until an advance is taken! No discounts apply.
Rates as low as
10.40%
APR**
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Call today for a Pre-approved
loan! There's no strong-arm tactics here...we only
offer straight financing with convenient repayment
terms. So contact our loans-by-phone at
210.684.5626 or an Account Executive at
210.684.1054 to start processing your loan request
today. All rates are fixed at the time of loan
approval and the actual periodic and corresponding
annual percentage rates offered for each loan
product are determined specifically by the credit
worthiness of each applicant. For promotional
purposes, the lowest available rate is listed.
*Finance charges continue to accrue during the month
you skip. All loans must be in good standing and six
consecutive monthly payments must be applied to all
new loans before a skip-a-payment option may be
offered.**All
rates are ANNUAL PERCENTAGE RATES, quoted as
low as includes the up to.50% discounts if
applicable and are subject to change without notice.
Please contact the Credit Union for verification.
SOUTHWEST RESEARCH CENTER FEDERAL CREDIT UNION
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Deposit Rates
|
Share and IRA Rates
Effective January 1, 2010 |
| Starting
at |
Stated Rate |
APY |
| 6 Months,
% |
|
$500 |
.75 |
.75 |
|
$5,000 |
1.00 |
1.00 |
|
$10,000 |
1.10 |
1.10 |
|
$25,000 |
1.19 |
1.20 |
|
$50,000 |
1.29 |
1.30 |
|
$75,000 |
1.39 |
1.40 |
|
$100,000 |
1.49 |
1.50 |
| |
12 Months,
% |
|
$500 |
1.19 |
1.20 |
|
$5,000 |
1.19 |
1.20 |
|
$10,000 |
1.19 |
1.20 |
|
$25,000 |
1.39 |
1.40 |
|
$50,000 |
1.39 |
1.40 |
|
$75,000 |
1.49 |
1.50 |
|
$100,000 |
1.49 |
1.50 |
| |
18 Months,
% |
|
$500 |
1.19 |
1.20 |
|
$5,000 |
1.19 |
1.20 |
|
$10,000 |
1.19 |
1.20 |
|
$25,000 |
1.39 |
1.40 |
|
$50,000 |
1.39 |
1.40 |
|
$75,000 |
1.49 |
1.50 |
|
$100,000 |
1.49 |
1.50 |
| |
24 Months,
% |
|
$500 |
1.29 |
1.30 |
|
$5,000 |
1.29 |
1.30 |
|
$10,000 |
1.29 |
1.30 |
|
$25,000 |
1.59 |
1.60 |
|
$50,000 |
1.59 |
1.60 |
|
$75,000 |
1.685 |
1.70 |
|
$100,000 |
1.685 |
1.70 |
| |
36 Months,
% |
|
$500 |
1.49 |
1.50 |
|
$5,000 |
1.49 |
1.50 |
|
$10,000 |
1.49 |
1.50 |
|
$25,000 |
1.785 |
1.80 |
|
$50,000 |
1.785 |
1.80 |
|
$75,000 |
1.885 |
1.90 |
|
$100,000 |
1.885 |
1.90 |
| |
48 Months,
% |
|
$500 |
1.685 |
1.70 |
|
$5,000 |
1.685 |
1.70 |
|
1.685 |
1.685 |
1.70 |
|
$25,000 |
1.98 |
2.00 |
|
$50,000 |
1.98 |
2.00 |
|
$75,000 |
2.08 |
2.10 |
|
$100,000 |
2.08 |
2.10 |
| |
60 Months,
% |
|
$500 |
2.08 |
2.10 |
|
$5,000 |
2.08 |
2.10 |
|
$10,000 |
2.08 |
2.10 |
|
$25,000 |
2.38 |
2.40 |
|
$50,000 |
2.38 |
2.40 |
|
$75,000 |
2.47 |
2.50 |
|
$100,000 |
2.47 |
2.50 |
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Money Market, Checking, & Savings Accounts:
Effective
January1, 2010
|
Share Savings
Account |
APY,
% |
Money Market
Account |
Stated
Rate, % |
APY,
% |
|
$5 or more |
.25 |
Less than $2,500
$2,500 to $9,999.99
$10,000 to $24,999.99
$25,000 to $49,999.99
$50,000 to $74,999.99
$75,000 to $99,999.99
$100,000 and up |
0.250
0.850
0.950
1.047
1.195
1.195
1.195 |
0.25
0.85
0.95
1.05
1.20
1.20
1.20
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|
Special Savings Account |
APY,
% |
Checking Accounts |
Stated Rate,
% |
APY,
% |
|
$25 min to earn dividends
0.25% interest, Day
in - Day out. Dividends paid monthly. |
.25% |
Options #1 and #2 on balance of $500 or more |
.10 |
.10% |
IRA Accumulation Account |
Stated Rate, %
1.00 |
APY, %
1.00% |
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All certificates are compounded daily & paid monthly
an early withdrawal penalty may be imposed.
All loan rates are ANNUAL PERCENTAGE RATES and are subject to
change without notice.
Please contact the credit union for verification.
For inquires on our standard loan rates, please contact the credit union for
more information.
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