Hopkins Schools Credit Union

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Rate Information


APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates
Rates as of 3/13/2008.
Rate Description Term Payment Description APR APR Type
Auto Loans 2006-2008 4 Years $23.21 per $1000 borrowed as low as 4.90% Fixed
Auto Special 2006-2008 5 Years $18.83 per $1000 borrowed as low as 4.90% Fixed
Auto Loans 2006-2008 6 Years $17.24 per $1000 borrowed as low as 6.90% Fixed
Auto Loans 2003-2005 4 Years $23.67 per $1000 borrowed as low as 5.90% Fixed
Auto Loans 2003-2005 5 Years $20.00 per $1000 borrowed as low as 6.9% Fixed
Auto Loans 2003-2005 6 Years $17.74 per $1000 borrowed as low as 7.9% Fixed
Auto Loans 1999-2002 4 Years $24.14 per $1000 borrowed as low as 6.9% Fixed
Auto Loans 1999-2002 5 Years $20.48 per $1000 borrowed as low as 7.9% Fixed
Auto Loans 1996-1998 (75% of value) 3 Years $31.98 per $1000 borrowed as low as 8.9% Fixed
Auto Loans 1996-1998 (75% of value) 4 Years $25.57 per $1000 borrowed as low as 9.9% Fixed
1995 and Older (50% of value) 3 Years $32.46 per $1000 borrowed as low as 9.9% Fixed
Boats, ATV's, Motorcycles, Snowmobiles, & Non-Motorized Campers Add 1% to Auto Rates Fixed
Signature Loan Special 48 Months up to $7500 $25.33 per $1000 borrowed as low as 9.9% Fixed
Computer Loan 24 months up to $2000 $46.33 per $1000 borrowed as low as 9.9% Fixed
Home Improvement Special up to $35,000 7 Years $19.30 per $1000 borrowed as low as 5.9% Fixed
Home Improvement Special up to $35,000 10 Years $11.57 per $1000 borrowed as low as 6.9% Fixed
Share Draft Line of Credit This rate is variable 10.00% Variable
Fixed Rate/Closed End Home Equity 5 Years Under 75% Loan to Value $19.30 per $1000 borrowed as low as 5.9% Fixed
Fixed Rate/Closed End Home Equity 10 Years Under 75% Loan to Value $11.57 per $1000 borrowed as low as 6.9% Fixed
Fixed Rate/Closed End Home Equity 5 Years Over 75% Loan to Value $20.24 per $1000 borrowed as low as 7.9% Fixed
Fixed Rate/Closed End Home Equity 10 Years Over 75% Loan to Value $12.62 per $1000 borrowed as low as 8.9% Fixed
Variable Rate/Open End Home Equity 15 Years Less than 75% of Equity borrowed 4% above 6 month T-Bill Variable
Variable Rate/Open End Home Equity 15 Years Between 75% to 100% of Equity borrowed 5% above 6 month T-Bill Variable

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Savings/Shares Rates
Rates as of 3/13/2008.
Rate Description Term Dividend Rates APY
Shares 1st Quarter of 2008 1.35% 1.35%
Deposit Accounts $25 to $2,499 1st half of 2008 2.98% 3.00%
Deposit Accounts $2,500 to $9,999 1st half of 2008 3.23% 3.25%
Deposit Accounts $10,000 TO $24,999 1st half of 2008 3.47% 3.50%
Deposit Accounts $25,000 to $49,999 1st half of 2008 3.97% 4.00%
Deposit Account $50,000 AND OVER 1st half of 2008 4.45% 4.50%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs
Rates as of 3/13/2008.
Rate Description Term Dividend Rates APY
Traditional and Roth IRA $25 to $2,499 2nd Quarter of 2008 2.97% 3.00%
Traditional and Roth IRA $2,500 to $9,999 2nd Quarter of 2008 3.21% 3.25%
Traditional and Roth IRA $10,000 to $24,999 2nd Quarter of 2008 3.45% 3.50%
Traditional and Roth IRA $25,000 to $49,999 2nd Quarter of 2008 3.95% 4.00%
Traditional and Roth IRA $50,000 AND OVER 2nd Quarter of 2008 4.43% 4.50%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

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