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  Rates


  Deposit Rates
Effective Date:  June 30, 2014
Account TypesDividend RateAnnual Percentage Yield
Share/Savings Account/Club Accounts0.20%0.20% APY
Individual Retirement Account -- * Last dividend declaration date, 06/27/2013, rate effective 06/28/2013.0.50%0.50% APY
Checking Accounts
Bronze Checking0.00%0.00% APY
Liberty Checking0.00%0.00% APY
Silver Checking0.20%0.20% APY
Gold Checking0.30%0.30% APY
Money Market Accounts -- Rates are subject to change monthly.
Balances of $2000 - $49990.25%0.25% APY
Balances of $5000 - $99990.35%0.35% APY
Balances of $10,000 +0.50%0.50% APY
Share Certificates
3 month, $500 min. deposit0.25%0.25% APY
6 month, $500 min. deposit0.45%0.45% APY
12 months, $500 min. deposit0.55%0.55% APY
18 months, $500 min. deposit0.75% 0.75% APY
24 months, $500 min. deposit0.95% 0.95% APY
36 months, $500 min. deposit1.10%1.11% APY
48 months, $1000 min. deposit1.20%1.21% APY
60 months, $1000 min. deposit1.55%1.56% APY
Jumbo Share Certificate
Any Term, $50,000 min. deposit.10% above market rate-
Bump-it-Up Share Certificate
24 months, $2000 min. deposit0.55%0.55% APY
MoneyTree
12 months, $50 min. deposit0.55%0.55% APY
IRA Share Certificates
IRA Share Certificates, terms same as regular share certificates (Excluding 3 Month Share Certificate), minimum opening deposit $1,000 up to and including 36 months, $2,500 for 48, 60, and 24 month Bumpable termsSame as regular share certificates

  All rates are subject to change without prior notification.
Contact us for current rates, fees and other terms that may apply to our accounts at (800) 532-0223 or (915) 592-0223.
The APY Annual Percentage Yield figure assumes the principal and earned dividends remain on deposit until maturity.
Fees may reduce earnings. There is a penalty for early withdrawal.
All IRA account types include Traditional and Roth IRAs.
*   Minimum balance to open a Bronze or Liberty checking account is $20.00 no daily minimum balance required.
**  Minimum balance to open a Silver Bell checking account is $100.00 and maintain a $1000 minimum daily balance.
*** Minimum balance to open a Gold Bell checking account is $500.00 and maintain a $2500 minimum daily balance.
$2000.00 Minimum balance on Money Market Account to earn stated APY Annual Percentage Yield.

  Loan Rates
Effective Date:  June 30, 2014
Loan TypeAnnual Percentage Rates
New and Used Autos
Up to 72 Months - under $35K2.99% - 17.00% APR
Up to 84 Months - over $35K4.50% - 17.00% APR
New and Used Motorcycle
Up to 60 mos4.50% - 17.00% APR
New and Used Recreational Vehicle
Up to 66 mos6.00% - 15.00% APR
Up to 84 mos6.25% - 15.25% APR
Up to 120 mos6.50% - 15.50% APR
Up to 144 mos6.75% - 15.75% APR
Signature Loans
Up to 60 mos7.95 - 17.00% APR
Revolving Line of Credit
7.95 - 17.00% APR
Credit Cards
Visa Credit Cards Now Available!Call for rates and rewards

  
Annual Percentage Rate determined by evaluation of credit and term. Actual rate may vary.
Final annual percentage rate determined by One Source FCU Lending Policy.
Up to 100% financing available for qualifying members.
Qualifying collateral must be listed in current NADA value guide.
All rates quoted are with approved credit

  Mortgage Rates
Effective Date:  June 30, 2014
(1*)(2*) 15-year and 30 -yr Fixed Rates available; call credit union for rates. No Discounts, 1.000% Origination; Range: $0 to $417,000
(1*)(2*)15-yr and 30-yr Fixed Rate Jumbo available: call credit union for rates. No Discounts, 1.000% Origination; Range: $417,000 to $625,500
Equity Loans
Minimum $25,000: Call credit union for rates, Fees: not to exceed 3% of the Loan Balance(in Texas), Terms up to 15 years.
Home Purchases: Down payment as low as 5% based on your mid-range credit score being 680 or above. Lower scores may require larger down payment. Guidelines are subject to change at anytime without notice. See credit union for details.
Manufactured Home Loans
Single Family Structure: Call credit union for rates.

  

Mortgage footnotes:

(1*) Annual Percentage Rate (APR) is a term used in the Truth-In-Lending Act to represent the   percentage relationship of the total finance charge to the amount of the loan. The APR reflects the cost of your mortgage loan as a yearly rate. It will be higher than the interest rate stated on the note because it includes, in addition to the interest rate, any loan discount points and other prepaid finance charges.

(2*) Assumes 20% down payment or 80% loan-to-value (LTV): no mortgage insurance. Lower down payment loans are available up to 95% LTV.




 

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