Loans |
Maximum Term (in months) |
APR* |
Notes |
| Share Secured |
48 |
as low as5.5% |
|
| CD Secured |
- |
(as low as 3% above dividend rate.) |
|
| Unsecured |
48 |
as low as 9.9% |
$7,000 maximum loan amount |
| Overdraft Protection |
- |
as low as 13.5% |
|
| Motorcycle Loan |
60 |
Call for rate. |
|
| Platinum VISA |
- |
9.9% |
No Annual Fee |
| New Car |
24 |
as low as 2.5% |
100% financing of sale price |
| New Car |
36 |
as low as 2.5% |
100% financing of sale price |
New Car
(exceeding $10,000) |
60 |
as low as 2.5% |
100% financing of sale price |
New Car
(exceeding $25,000) |
72 |
as low as 2.5% |
100% financing of sale price. |
GFCU will finance 100% plus tax,tags, and title fees at the following rates: up to 6 years, as low as 3.99%APR |
| Used Car |
36 |
as low as 2.9% |
(95% of NADA Retail on 4 years and newer. Purchase only) |
| Used Car |
48 |
as low as 2.9% |
(95% of NADA Retail on 4 years and newer. Purchase only.) |
Used Car
exceeding $10,000 |
60 |
as low as 2.9% |
(95% of NADA Retail on 4 years and newer. Purchase only.) |
Used Car
exceeding $25,000 |
72 |
as low as 2.9% |
(95% of NADA Retail on 4 years and newer. Purchase only.) |
Cars older than 4 years no later than 7 years financing available on NADA loan value as low as 4.5% APR up to 5 years. Loans used for purposes other than purchase, loan amount is based on NADA loan value. |
| Home Equity LOC Fixed Rate |
180 |
6.25% |
up to 80% Loan to value |
| Home Equity LOC Variable Rate |
180 |
Call for current rate. |
up to 80% Loan to value |
LOC = Line of Credit. Prime Rate based on Wall Street Journal. Current Prime Rate is 3.75% as of January 1, 2009. |
*APR = Annual Percentage Rate |
All rates subject to change without notice. Loans approved based on applicants credit. Rates listed are lowest rate. Your rate may vary from what is listed. Your interest rate will be based on your credit history and most current credit report. |
Share Certificates
And IRA Share Certificates |
Minimum Deposit |
APY* |
Dividend Rate |
Compound & Credited |
| 3 months |
$2,500.00 |
0.20% |
0.20% |
Monthly |
| 6 months |
$2,500.00 |
0.30% |
0.30% |
Monthly |
| 1 year |
$1,000.00 |
0.40% |
0.40% |
Quarterly |
| 18 months |
$1,000.00 |
0.40% |
0.40% |
Quarterly |
| 2 years |
$1,000.00 |
0.7018% |
0.70% |
Quarterly |
| 3 years |
$1,000.00 |
0.953% |
0.95% |
Quarterly |
| 4 years |
$1,000.00 |
1.205% |
1.20% |
Quarterly |
| 5 years |
$1,000.00 |
1.508% |
1.50% |
Quarterly |
There is a penalty for early withdrawal on Certificates.
Rates subject to change without notice. |
Account Type |
Minimum Balance |
APY* |
Dividend Rate |
Compound & Credited |
| Sharing Savings/Youth Savings |
Up to $500
$501 and over |
0.05%
0.10% |
0.05%
0.10% |
Quarterly
Quarterly |
| Share Draft Checking |
- |
0.00% |
0.00% |
Quarterly |
| Money Market Investment |
$2500.00 |
0.15% |
0.15% |
Monthly |
| Individual Retirement |
$25.00 |
0.25% |
0.25% |
Quarterly |
*APY = Annual Percentage Yield |
Dividends are calculated on Daily Balance method by applying a daily periodic rate to the principal in the account each day.
If you close your account before accrued dividends are credited, accrued dividends will not be paid. |
For complete account information please refer to Greenbelt FCU Truth-in-Savings Disclosure and Membership and Account Agreement. |
Minimum balance for Share Savings is $25 and for Youth Savings $5. |
Share Draft Account Fees |
| Share Draft Returned Item |
$30.00 per item |
| Share Draft Stop Payment |
$25.00 per request |
| Share Draft/Check Printing |
Prices vary by style |
| Share Draft Copy |
$3.00 per draft |
| Business Checking Account Service |
$30.00 monthly |
| Non-Member Check Cashing |
$5.00 |
| Account Overdraw Item Paid |
$30.00 |
Other Service Fees (applicable to all accounts) |
| Account Reconciliation/Research |
$15.00 per hour |
| Statement Copy |
$3.00 per copy |
| Deposited Item Return |
$30.00 per item |
| Account Overdraw Item Paid |
$30.00 |
| Wire Transfer |
$25.00 per transfer |
| Western Union Wire |
$25.00 |
| International Wire |
$45.00 each |
| Foreign Check Collection |
$10.00 |
| Money Order |
$2.00/Money Order |
| Inactive Account |
$20.00 per year |
| Account Closure |
$5.00, if closed before payroll deduction stops |
| Stop Payment of CU Issued Check/Money Order |
$30.00 |
| Returned Mail |
$3.00/Mail returned |
| Preauthorized Debit Return |
$30.00 per debit |
| History |
$2.00 per page |
| Copy of Credit Union Issue Check |
$5.00 per check |
| Credit Union Check Look-up |
$3.00 per check |
| Third Party Verification |
$10.00 |
| Credit Union Checks Issued |
$5.00 per check |
| Levy/Garnishment/Subpoena |
$50.00 |
| Gift Card Replacement |
$15.00 |
| Escheatment Reporting |
$15.00 |
| Fax: Local |
$3.00; $1.50 each additional page |
| Fax: Out of State |
$5.00; $1.50 each additional page |
| Fax: Receiving |
$2.00; $1.00 each additional page |
| Certified Mail |
$5.54 |
| Notary |
$2.00/Page |
| Power of Attorney Review |
$50.00 |
Electronic Funds Transfer Fees |
| Electronic Debit Stop Payment |
$25.00 |
| Electronic Debit Return |
$30.00 |
| Account Overdraw Item Paid |
$30.00/Transaction |
| ATM/Check Replacement |
$5.00 |
| ATM/Check PIN Reminder |
$5.00 |
| Foreign Transaction |
1.00% of transaction amount |
| Visa Gift Card |
$2.50 |
| Visa Travel Card |
$4.00 |
Share Value |
| Par Value of One Share |
$5.00 |
