SAVINGS RATES Effective May 1, 2009 (Subject to change without notice)

Click here for current Loan Rates

SAVINGS ACCOUNTS

Holiday Savings Club

NOMINAL DIVIDEND RATE 2.00%   ANNUAL PERCENTAGE YIELD (APY) 2.02%   MINIMUM OPENING BALANCE $25.00   DIVIDEND CALCULATION Earned Daily   DIVIDEND POSTED Last Day of Month   PENALTY FOR CLOSING PRIOR TO NOVEMBER 1ST $10.00   ENROLLMENT PERIOD December 1st - February 28th   ADDITIONAL DEPOSITS REQUIRED BY PAYROLL DEDUCTION/AFT Minimum $20 monthly deposit required   MATURITY The 1st business day of November the balance will transfer to a designated account. Regular Share (Savings)   DIVIDEND RATE .25%   ANNUAL PERCENTAGE YIELD (APY) .25%   MINIMUM OPENING BALANCE $5.00   MINIMUM BALANCE REQUIRED $5.00-$4,999.99   MINIMUM BALANCE TO EARN STATED APY $5.00   DIVIDEND COMPOUNDED AND CREDITED Quarterly   DIVIDEND PERIOD Quarterly Regular Share (Savings)   DIVIDEND RATE .35%   ANNUAL PERCENTAGE YIELD (APY) .35%   MINIMUM OPENING BALANCE $5,000.00   MINIMUM BALANCE REQUIRED $5,000.00-$4,999.99   MINIMUM BALANCE TO EARN STATED APY $5,000.00   DIVIDEND COMPOUNDED AND CREDITED Quarterly   DIVIDEND PERIOD Quarterly Preferred Share Investment (PSI) and Money market Accounts     PSI Balance $5,000-$24,999.99 PSI Balance $25,000-$49,999.99 PSI Balance $50,000   NOMINAL DIVIDEND RATE .65% .90% 1.10%   ANNUAL PERCENTAGE YIELD .65% .90% 1.11%   MINIMUM BALANCE $5,000.00 $25,000.00 $50,000.00   DIVIDEND CALCULATION Earned Daily Earned Daily Earned Daily   DIVIDEND POSTED Last Day of Month Last Day of Month Last Day of Month   PENALTY If closed prior to month end, dividend is forfeited If closed prior to month end, dividend is forfeited If closed prior to month end, dividend is forfeited Individual Retirement Account (Traditional, Roth and Coverdell Education Savings Account)   DIVIDEND RATE 1.00%   ANNUAL PERCENTAGE YIELD (APY) 1.00%   MINIMUM OPENING BALANCE $50.00   MINIMUM BALANCE REQUIRED $50.00   MINIMUM BALANCE TO EARN STATED APY $50.00   DIVIDEND COMPOUNDED AND CREDITED Quarterly   DIVIDEND PERIOD Quarterly Term Share Certificates and Individual Retirement Accounts invested as Term Share Certificates   DIVIDEND RATE 6 month…1.00% 12 month…1.20% 24 month…1.40%         ANNUAL PERCENTAGE YIELD (APY) 6 month…1.01% 12 month…1.11% 24 month…1.41%         MINIMUM OPENING BALANCE $1,000.00   MINIMUM BALANCE REQUIRED $1,000.00   MINIMUM BALANCE TO EARN STATED APY $1,000.00   DIVIDEND COMPOUNDED AND CREDITED Monthly   DIVIDEND PERIOD Monthly Term Share Certificates and Individual Retirement Accounts invested as Term Share Certificates   DIVIDEND RATE 6 month…1.10% 12 month…1.30% 24 month…1.50%         ANNUAL PERCENTAGE YIELD (APY) 6 month…1.11% 12 month…1.31% 24 month…1.51%         MINIMUM OPENING BALANCE $25,000.00   MINIMUM BALANCE REQUIRED $25,000.00   MINIMUM BALANCE TO EARN STATED APY $25,000.00   DIVIDEND COMPOUNDED AND CREDITED Monthly   DIVIDEND PERIOD Monthly CU Succeed Certificate (for our young members)   DIVIDEND RATE 12 month…1.20%   ANNUAL PERCENTAGE YIELD (APY) 12 month…1.21%   MINIMUM OPENING BALANCE $100.00   MINIMUM REQUIRED MONTHLY DEPOSIT $10.00   DIVIDEND CALCULATION Earned Daily   DIVIDEND POSTED Monthly   PENALTY 90 Days Accrued/Paid Dividends   MAXIMUM CERTIFICATE $25,000.00 LOAN RATES Effective March 23, 2010 (Subject to change without notice) New & Used Vehicles, Motorcycles, Boats & RV's Apply Online   PERCENT FINANCED 100% plus tax and license   INTEREST RATE * As low as 2.99%*   FIXED RATE APR * As low as 2.99%*   TERMS Up to 36 months New & Used Vehicles, Motorcycles, Boats & RV's Apply Online   PERCENT FINANCED 100% plus tax and license   INTEREST RATE * As low as 3.99%*   FIXED RATE APR * As low as 3.99%*   TERMS Up to 60 months New Vehicle Apply Online   PERCENT FINANCED 100% plus tax and license   INTEREST RATE * As low as 4.49%*   FIXED RATE APR * As low as 4.49%*   TERMS Up to 72 months New Vehicle Apply Online   PERCENT FINANCED 100% plus tax and license   INTEREST RATE * As low as 5.49%*   FIXED RATE APR * As low as 5.49%*   TERMS Up to 84 months (2) Used Vehicle Apply Online ****   PERCENT FINANCED 100% plus tax and license   INTEREST RATE * As low as 4.49%*   FIXED RATE APR * As low as 4.49%*   TERMS Up to 72 months Used Vehicle Apply Online   PERCENT FINANCED 100% plus tax and license   INTEREST RATE * As low as 5.49%*   FIXED RATE APR * As low as 5.49%*   TERMS Up to 84 months (2) New and Used Motorcycles, ATV's, Snowmobiles Apply Online   PERCENT FINANCED 100% plus tax and license   INTEREST RATE * As low as 4.49%*   FIXED RATE APR * As low as 4.49%*   TERMS Up to 72 months New and Used Motorcycles, ATV's, Snowmobiles Apply Online   PERCENT FINANCED 100% plus tax and license   INTEREST RATE * As low as 5.49%*   FIXED RATE APR * As low as 5.49%*   TERMS Up to 84 months (2) New Boats and RVs Apply Online***   PERCENT FINANCED 100% plus tax and license   INTEREST RATE * As low as 4.49%*   FIXED RATE APR * As low as 4.49%*   TERMS Up to 72 months New Boats and RVs Apply Online***   PERCENT FINANCED 100% plus tax and license   INTEREST RATE * As low as 5.49%*   FIXED RATE APR * As low as 5.49%*   TERMS Up to 84 months (2) New Boats and RVs (loan amount over $30,000) Apply Online***   PERCENT FINANCED ** 100% plus tax and license   INTEREST RATE * As low as 5.49%*   FIXED RATE APR * As low as 5.49%*   ADJUSTABLE RATE TERMS Balloon Feature   TERMS Up to 144 months Used boats and RVs Apply Online***   PERCENT FINANCED 100% plus tax and license   INTEREST RATE * As low as 4.49%*   FIXED RATE APR * As low as 4.49%*   TERMS Up to 72 months Used boats and RVs Apply Online***   PERCENT FINANCED 100% plus tax and license   INTEREST RATE * As low as 5.49%*   FIXED RATE APR * As low as 5.49%*   TERMS Up to 84 months Used Boats and RVs (loan amount over $30,000) Apply Online***   PERCENT FINANCED ** 100% plus tax and license   INTEREST RATE * As low as 5.49%*   FIXED RATE APR * As low as 5.49%*   ADJUSTABLE RATE TERMS Balloon Feature   TERMS Up to 144 months   HOME LOANS | We offer a variety of home loan programs and affordable rates. Please call for current rates. Home Equity Line of Credit Apply Online   PERCENT FINANCED 80% loan-to-value ratio   INTEREST RATE * as low as 5.99% (3)   ADJUSTABLE RATE TERMS Variable Rate (3)   TERMS up to 180 months** Mobile Homes - New   PERCENT FINANCED 75%   INTEREST RATE * 9.75%   ADJUSTABLE RATE TERMS Balloon Feature   TERMS up to 120 months for single wides Mobile Homes - New and Used   PERCENT FINANCED 80%   INTEREST RATE * 9.75%   ADJUSTABLE RATE TERMS Balloon Feature   TERMS up to 240 months for double or triple wides Manufactured Homes   PERCENT FINANCED 80%   INTEREST RATE * 9.75%   ADJUSTABLE RATE TERMS Balloon Feature   TERMS up to 240 months Signature Line of Credit Loans Apply Online   INTEREST RATE * As low as 9.90%*   FIXED APR * As low as 9.90%*   TERMS up to 48 months Share Secured Loans   PERCENT FINANCED 100% of regular share balance   INTEREST RATE * As low as 3.00% with discount for direct deposit   FIXED RATE APR * As low as 3.00% with discount for direct deposit   TERMS 144 months Classic VISA Apply Online   INTEREST RATE * 10.50%   FIXED RATE APR * 10.50%   TERMS Payment is 3% of loan balance. Annual fee is $12.00 "No annual fee" VISA Apply Online   INTEREST RATE * 13.50%   FIXED RATE APR * 13.50%   TERMS Payment is 3% of loan balance. No annual fee. (1) Rates shown for loans and savings products are subject to change without notice. APR = Annual Percentage Rate. *other rates and terms may apply depending upon the individual creditworthiness of each applicant. Rate advertised assumes direct deposit with SCCU, an approved signature line of credit and 40% down payment. Signature line of credit loans are not eligible for discount for direct deposit. ** Term depends on amount financed. ***Loan amounts over $50,000 require 25% down payment. **** Add 2% APR if collateral is 10 or more years old or has more than 100,000 miles, maximum loan 80% (2) Minimum loan of $35,000 for 84 month financing. (3) The annual percentage rate is based on the value of an index. The index is the monthly average of the Six Month Treasury Bill Rate (Auction High). Information about the index is published in the Federal Reserve Bulletin. The rate you receive is based on certain creditworthiness factors. Ask us for the current index value, margin and annual percentage rate. BACK TO TOP HOME | DISCLOSURES | CONTACT US | SITE MAP | CHILDREN'S PRIVACY PROTECTION ^ The link you are about to click will direct you to a website not operated by Spokane City Credit Union. If clicked on it will open the site within a new window. For more information, click here. © 2007 Spokane City Credit Union. All Rights Reserved. Hosting by : Interlink Advantage    Website Design by : Alt29 Design Group