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NEWS

Summer Fun Leaving You Short On Cash?

 SKIP-A-PAYMENT

 Is now in effect for
July – August 2010

Ask a Representative for more details!



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.

NEW & USED PURCHASED VEHICLES
We’re going to make financing a new or used purchased 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.
 

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.

*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
 

 2010 SUMMER VACATION LOANS

Need a Summer Vacation?  Come on in to the credit union and apply for a Vacation Loan.  There is no minimum borrowing amount and you can choose your terms up to 24 months. 

                                                                      Rates as low as 5.90% 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**

SKIP-A-PAYMENT

Is summer fun leaving you a little low on cash?  Relax with our Skip-A-Payment Promotion!  Our promotion allows you to skip loan payment(s)* financed through Southwest Research Center FCU.  Coupons apply to loans under the Open-End Credit Agreement and will defer one of the following per loan:

One monthly loan payment,
Two consecutive semi-monthly payments,
Two consecutive biweekly payments, or
Four consecutive weekly payments.

 Coupons are valid July and August 2010, and may not be used in conjunction with any other skip-a-payment option or extension made within the prior 90 days.  Call 210.684.1054 for more information.


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
 

Deposit Rates

Share and IRA Rates

Effective July 6, 2010

Starting at Stated Rate APY
6 Months, %

$500

.75 .75

$5000

.90 .90

$10,000

.90 .90

$25,000

.999 1.00

$50,000

1.04 1.05

$75,000

1.09 1.10

$100,000

1.09 1.10
  12 Months, %

$500

1.19 1.20

$5000

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

$5000

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

$5000

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

$5000

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

$5000

1.685 1.70

$10,000

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

$500

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

 

Money Market, Checking, & Savings Accounts:

Effective July 6,  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
0.800
0.800
0.900
1.000
1.000
1.000

0.25
0.800
0.800
0.900
1.000
1.000
1.000
 

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, %

0.90


APY
, %

0.90

 

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.

*Annual Percentage Rate. Rates may change without notice. Normal Credit Criteria Applies. See rate page for current rates & terms.

 


We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.


Your savings Federal insured to
at least $250,000 and backed
by full faith and credit of the
United States Government.