Subject to change without notice.
ProFed Savings and Checking Rates
ProFed Deposit Rates
ProFed Deposit Rates effective 12/1/2009. Subject to change without notice.
| SHARES | ||
| TYPE | DIVIDEND RATE | APY* |
|---|---|---|
| Regular Share* | 0.15% | 0.15% |
| Regular Share 2 | 0.15% | 0.15% |
| Regular Share 3 | 0.15% | 0.15% |
*$5 minimum opening deposit for primary Regular Share Account.
| Traditional IRA Variable Share Account | ||
| DIVIDEND RATE | APY* | |
|---|---|---|
| Minimum $10.00 | 0.99% | 1.00% |
| Roth IRA Variable Share Account (Effective 4/1/2009) | ||
| DIVIDEND RATE | APY* | |
|---|---|---|
| Minimum $10.00 | 0.99% | 1.00% |
| SHARE DRAFTS | ||
| AMOUNT | DIVIDEND RATE | APY* |
|---|---|---|
| Regular Checking* | No Dividends | N/A |
| Checking Plus** | 0.25% | 0.25% |
*$25 minimum opening deposit.
**$1,000 minimum opening deposit. $1,000 minimum balance required to avoid a $7.50 monthly fee.
| CLUB ACCOUNTS* | ||
| TYPE | DIVIDEND RATE | APY* |
|---|---|---|
| Christmas Club | 0.15% | 0.15% |
| Name Your Own Club | 0.15% | 0.15% |
*$1 minimum opening deposit.
| MONEY MARKET PLUS* | ||
| AMOUNT | DIVIDEND RATE | APY* |
|---|---|---|
| Up to $2,499.99 | 0.15% | 0.15% |
| $2,500 - $9,999.99 | 0.25% | 0.25% |
| $10,000 - $24,999.99 | 0.49% | 0.50% |
| $25,000 - $49,999.99 | 0.60% | 0.60% |
| $50,000 and Over | 1.01% | 1.01% |
*$2,500 minimum opening deposit. $2,500 minimum balance required to avoid a $10 monthly fee.
| HEALTH SAVINGS ACCOUNT CHECKING | ||
| AMOUNT | DIVIDEND RATE | APY* |
|---|---|---|
| Up to $999.99 | 0.15% | 0.15% |
| $1,000 - $9,999.99 | 0.40% | 0.40% |
| $10,000 and Over | 0.66% | 0.66% |
*APY=Annual Percentage Yield
**Fees could reduce earnings.
ProFed Certificate Rates
ProFed Share Certificate Rates effective 12/1/2009. Subject to change without notice.
| Share Certificates - Standard Rates ($500 Minimum) | ||
| CERTIFICATE TERMS | DIVIDEND RATE | APY* |
|---|---|---|
| 3 Months | 0.29% | 0.30% |
| 6 Months | 0.49% | 0.50% |
| 9 Months | 0.59% | 0.59% |
| 12 Months | 0.84% | 0.85% |
| 18 Months | 1.19% | 1.20% |
| 24 Months | 1.29% | 1.30% |
| 30 Months | 1.58% | 1.60% |
| 36 Months | 1.78% | 1.80% |
| 48 Months | 2.12% | 2.15% |
| 60 Months | 2.37% | 2.40% |
*APY=Annual Percentage Yield.
| Share Certificates - ProVantage Rates** ($500 Minimum) |
||
| CERTIFICATE TERMS | DIVIDEND RATE | APY* |
|---|---|---|
| 3 Months | 0.39% | 0.40% |
| 6 Months | 0.59% | 0.60% |
| 9 Months | 0.69% | 0.70% |
| 12 Months | 0.94% | 0.95% |
| 18 Months | 1.29% | 1.30% |
| 24 Months | 1.39% | 1.40% |
| 30 Months | 1.68% | 1.70% |
| 36 Months | 1.88% | 1.90% |
| 48 Months | 2.22% | 2.25% |
| 60 Months | 2.74% | 2.50% |
*APY=Annual Percentage Yield.
**ProVantage Rates also apply to STAR, iPro, and Business Accounts.
| Share Certificates - Golden Eagle Rates ($500 Minimum) |
||
| CERTIFICATE TERMS | DIVIDEND RATE | APY* |
|---|---|---|
| 3 Months | 0.44% | 0.45% |
| 6 Months | 0.64% | 0.66% |
| 9 Months | 0.74% | 0.75% |
| 12 Months | 0.99% | 1.00% |
| 18 Months | 1.34% | 1.35% |
| 24 Months | 1.44% | 1.45% |
| 30 Months | 1.73% | 1.75% |
| 36 Months | 1.93% | 1.95% |
| 48 Months | 2.27% | 2.30% |
| 60 Months | 2.52% | 2.55% |
*APY=Annual Percentage Yield.
| 24 Month EZ Saver Share Certificate ($100 Minimum) | ||
| CERTIFICATE TERMS | DIVIDEND RATE | APY* |
|---|---|---|
| Standard Rate | 1.29% | 1.30% |
| ProVantage Rate** | 1.39% | 1.40% |
| Golden Eagle Rate | 1.44% | 1.44% |
*APY=Annual Percentage Yield.
**ProVantage Rate also applies to STAR, iPro, and Business Accounts.
Share Certificate Specials
Available until further notice
| 24 Month S.T.A.R. EZ Saver Share Certificate ($25 Minimum) Available to Great Start and Smart Start Members Only Limit One Per Member |
||
| DIVIDEND RATE | APY* | |
|---|---|---|
| 1.39% | 1.40% | |
*APY=Annual Percentage Yield
| 12 Month iSaver Share Certificate ($25 Minimum) Available to iPro Members Only Limit One Per iPro Member |
||
| DIVIDEND RATE | APY* | |
|---|---|---|
| 0.94%** | 0.95%** | |
*APY=Annual Percentage Yield
** 2 penalty free withdrawals per semester (Feb.-July, Aug.-Jan.), maximum of 4 penalty free withdrawals in 12 months.
ProFed Traditional IRA Rates
ProFed Traditional IRA Rates effective 1/1/2010. Subject to change without notice.
| Regular IRA Share Certificates ($1,000 Minimum) | ||
| DIVIDEND RATE | APY* | |
|---|---|---|
| 18 Month | 1.29% | 1.30% |
| 36 Month | 1.88% | 1.90% |
| 60 Month | 2.47% | 2.50% |
| 24 Month EZ Saver IRA Share Certificate ($100 Minimum) |
||
| DIVIDEND RATE | APY* | |
|---|---|---|
| 1.39% | 1.40% | |
| 60 Month Variable IRA Share Certificate ($1,000 Minimum) |
||
| DIVIDEND RATE | APY* | |
|---|---|---|
| 2.47% | 2.50% | |
*APY=Annual Percentage Yield.
ProFed Roth IRA Rates
ProFed Roth IRA Rates effective 1/1/2010. Subject to change without notice.
| ROTH IRAs | ||
| DIVIDEND RATE | APY* | |
|---|---|---|
| 18 Month Fixed Certificate ($1,000 minimum) | 1.29% | 1.30% |
| 36 Month Fixed Certificate ($1,000 minimum) | 1.88% | 1.90% |
| 60 Month Fixed Certificate ($1,000 minimum) | 2.47% | 2.50% |
| 24 Month EZ Saver IRA Share Certificate ($100 Minimum) |
||
| DIVIDEND RATE | APY* | |
|---|---|---|
| 1.39% | 1.40% | |
*APY=Annual Percentage Yield.
COVERDELL EDUCATION SAVINGS ACCOUNTS
| 24 Month EZ Saver ESA Share Certificate ($25 Minimum) |
||
| DIVIDEND RATE | APY* | |
|---|---|---|
| 1.39% | 1.40% | |
*APY=Annual Percentage Yield
**Substantial penalty for early withdrawal.
ProFed Loan Rates
ProFed Loan Rates Effective 2/3/2010. Subject to change without notice.
Applying for a ProFed Loan is EASY! You can apply in person, online or use ProLoanConnection after hours or on weekends by calling 260-483-0514 or 800-752-4613 ext. 2. To calculate a loan payment, use our loan calculator.
| AUTO LOANS | ||||
| MODEL YEAR | TYPE | TERM (Months) | FIXED APR AS LOW AS* | VARIABLE APR AS LOW AS* |
|---|---|---|---|---|
| 2008-2010 | New (100%- Dealer Sheet Required) | Up to 60 | 5.25% | N/A |
| 2008 or Newer | NewCarLine | Up to 60 | 4.99% | N/A |
| 2007 | Used | Up to 60 | 5.49% | 6.00% (Prime+0.00% Min. 6.00%) |
| 2006 | Used | Up to 48 | 5.99% | 6.00% (Prime+0.00% Min. 6.00%) |
| 2005 | Used | Up to 42 | 6.49% | 6.00% (Prime+0.00% Min. 6.00%) |
| 2004 & Older | Used | Up to 36 | 6.99% | 6.00% (Prime+0.00% Min. 6.00%) |
*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score. Please contact a loan officer for information concerning specialty-type autos or extended terms.
| RECREATION VEHICLES | ||||
| VALUE | TYPE | TERM (Months) | FIXED APR AS LOW AS* | VARIABLE APR AS LOW AS* |
|---|---|---|---|---|
| ($0.00-$20,000) | New & Used | Up to 84 | 6.90% | 6.00% (Prime+0.00% Min. 6.00%) |
| ($20,001 and Up) | New & Used | Up to 120 | 7.90% | 6.00% (Prime+0.00% Min. 6.00%) |
*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.
| MOTORCYCLES | ||||
| TYPE | TERM (Months) | FIXED APR AS LOW AS* |
VARIABLE APR AS LOW AS* |
|
|---|---|---|---|---|
| New & Used | Up to 60 | 7.90% | N/A | |
*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.
| BOATS & TRAILERS | ||||
| TYPE | TERM (Months) | FIXED APR AS LOW AS* |
VARIABLE APR AS LOW AS* |
|
|---|---|---|---|---|
| New & Used | 1 - 60 Months | 6.90% | N/A | |
| New & Used | 61-84 months | 7.40% | 6.00% (Prime+0.50% Min. 6.00%) |
|
*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.
| Closed End Personal Loans & Large Purchases, $1,000 + | ||||
| TERM (Months)/TYPE | FIXED APR AS LOW AS* |
VARIABLE APR AS LOW AS* |
||
|---|---|---|---|---|
| 1 - 24 Months | 11.00% | 6.00% (Prime+1.00% Min. 6.00%) |
||
| 25 - 36 Months | 12.00% | 6.00% (Prime+1.50% Min. 6.00%) |
||
| 37 - 48 Months | 13.00% | 6.00% (Prime+2.00% Min. 6.00%) |
||
*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.
| iPro Student Computer Loans $1,500 Maximum |
||
| TERM (Months)/TYPE |
FIXED APR AS LOW AS* |
VARIABLE APR AS LOW AS* |
|---|---|---|
| 1 - 24 Months | 5.00% | N/A |
*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.
`
| Opened End | ||
| TERM (Months)/TYPE | FIXED APR AS LOW AS* |
VARIABLE APR AS LOW AS* |
|---|---|---|
| Prime Line ($2,500 or less) |
N/A | 8.00% (Prime+4.00% Min. 8.00%) |
| Prime Line ($2,501 or more) |
N/A | 8.00% (Prime+2.00% Min. 8.00%) |
*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.
`
| Personal 90 Day Notes | ||||
| TERM (Months)/TYPE | FIXED APR AS LOW AS* |
VARIABLE APR AS LOW AS* |
||
|---|---|---|---|---|
| $0 - $2,000 | 11.25% | N/A | ||
| $2,001 - $5,000 | 10.25% | N/A | ||
*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.
| Certificate Pledge | ||||
| TERM (Months)/TYPE | FIXED APR AS LOW AS* |
VARIABLE APR AS LOW AS* |
||
|---|---|---|---|---|
| 1 Month - Certificate Maturity | Cert Rate + 1.00% | N/A | ||
*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.
| Share Pledge | ||||
| TERM (Months)/TYPE | FIXED APR AS LOW AS* |
VARIABLE APR AS LOW AS* |
||
|---|---|---|---|---|
| Up to 36 Months | 5.00% | N/A | ||
*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.
| 2nd Mortgages - Minimum $5,000 | ||||
| TERM (Months) | TYPE | FIXED APR AS LOW AS* |
VARIABLE APR AS LOW AS* |
|
|---|---|---|---|---|
| 1 - 84 Months | LTV up to 80% | 6.99% | N/A | |
| 1 - 84 Months | LTV 81% - 90% | 7.99% | N/A | |
*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.
Home Equity Lines of Credit
| Variable Standard Home Equity Line of Credit | |
| TYPE | VARIABLE APR AS LOW AS* |
|---|---|
| Minimum Line of Credit $5,000 | 3.75% (Prime+0.75%) |
| Variable Home Equity Line of Credit - Greater than 80% LTV | |
| TYPE | VARIABLE APR AS LOW AS* |
|---|---|
| LTV 81% - 85% | 4.75% (Prime+1.50%) |
| LTV 86% - 90% | 5.25% (Prime+2.00%) |
*The annual percentage rates (APR) listed are our best rates. Your rate may vary depending on your credit score.
Minimum required monthly payments will be the greater of $125.00 or 1.75% of the outstanding principal balance plus insurance charges and late payment fees. The maximum rate will be 18.00% or the maximum interest rate allowed by law, whichever is less.There may be closing costs associated with a loan request. Please call our office at 260-483-0514 or 800-752-4613 ext. 11 for exact costs.
First Mortgages
For First Mortgage Rates, click here or contact the credit union at 260-483-0514 ext. 16, or e-mail us at contactus@profedcu.org.
Prime Rate is based on the highest published Prime Rate in the Wall Street Journal.
ProFed Visa Rates
ProFed Visa Rates Effective 2/22/2010. Subject to change without notice. Click here for more information on the benefits of ProFed Visa cards. Apply online for your ProFed Visa.
| VISA | ||
| TYPE | NON-VARIABLE RATE |
VARIABLE RATE |
|---|---|---|
| VISA Classic | 13.50% APR | Not Applicable |
| VISA Gold | 11.50% APR | Prime + 6.00% APR* |
* The variable rate APR applicable to all billing cycles beginning in a calendar quarter is the highest prime rate published in the Wall Street Journal on the 10th day (or next business day) of the month preceding the calendar quarter (March, June, September and December) plus 6.0%..
* APR=Annual Percentage Rate.
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