CONSUMER LOAN RATES | MORTGAGE RATES | CERTIFICATE RATES | IRA RATES | SAVINGS RATES
| Secured Loans Effective 11/1/2007
|
| For: New motor vehicle loans:
auto, boat, truck, camper, motorhome, travel trailer, motorcycles,
snowmobiles & ATVs |
| Term |
APR |
Calculator |
| 12-36 Months |
5.75% |
|
| 37-60 Months |
5.75% |
|
| 72 Months |
7.00% |
|
| 84 Months |
8.00% |
|
|
|
APR=Annual Percentage Rate on the loan.
*Rates are quoted "as low as" and are subject to an evaluation of your credit. Rates may vary from rates shown.
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| Term |
APR |
Calculator |
| 80%LTV |
7.50% |
|
| 90%LTV |
8.50% |
|
|
| Term |
APR |
Calculator |
| - |
11.49% |
|
|
| Term |
APR |
Calculator |
| 12 Months |
7.50% |
|
| 24 Months |
8.75% |
|
| 36 Months |
8.75% |
|
| 48 Months |
8.75% |
|
|
| Term |
APR |
Calculator |
| up to 36 Months |
5.00% |
|
| 37 - 60 Months |
5.00% |
|
|
| Type |
APR |
Calculator |
| Platinum |
8.95% |
|
| Classic |
10.95% |
|
|
|
APR=Annual Percentage Rate on the loan.
*Rates are quoted "as low as" and are subject to an evaluation of your credit. Rates may vary from shown rates.
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| First Mortgages Week of November
5, 2007 |
| Type |
Interest Rate |
Annual % Rate |
| 15 Year Fixed |
5.625% |
5.905% |
| 30 Year Fixed |
6.00% |
6.170% |
|
|
All rates and terms are subject to change without notice. These rates apply to loan amounts of $100,000 and for the purchases of owner-occupied, single-family primary residences. Other mortgage programs are available. Interest rates are subject to change daily and without notice. For an up-to-date rate quote, please contact a mortgage representative at (800) 866-8199, Option 5. Contact the Loan Department for rates on second homes, investment properties or jumbo loans at info@firstalliancecu.com.
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| Construction Loans Week of November
5, 2007 |
| Interest Rate |
APR |
| 6.50% |
7.246% |
| 30 Year Fixed |
6.00% |
|
|
APR=Annual Percentage Rate on the loan.
All rates and terms are subject to change daily and without notice. For more information, terms and conditions contact the Loan Department (800) 866-8199, Option 5.
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| Home Equity Lines of Credit Week
of November 1, 2007 |
| Rates
as low as 6.50%APR*. Loans available up to
100%LTV. Please contact a Member Service Representative
for program rates and terms. (507) 288-0330 mailto:info@firstalliancecu.com |
|
|
*APR=Annual Percentage Rate on the loan. Rate applies to new Home Equity Loans as of November 1, 2007. Rate is tied to the variable rate, prime -1%. The index is the prime rate published in the Wall Street Journal. Rates subject to change without notice.
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| Home Equity Fixed Rate Week of
November 1, 2007 |
| Rates
as low as 7.25%APR*. Loans available up to
100%LTV. Please contact a Member Service Representative
for program rates and terms. (507) 288-0330 mailto:info@firstalliancecu.com |
|
|
APR=Annual Percentage Rate on the loan. Rates are quoted "as low as" and are subject to an evaluation of your credit. Rates may vary from rates shown.
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| Certificates :: Effective 1/1/2007 |
| Type |
Term |
APR |
APY |
| Certificates of Deposit |
3 Month |
3.83% |
3.90% |
| |
6 Month |
4.650% |
4.75% |
| |
12 Month |
4.790% |
4.90% |
| |
18 Month |
4.410% |
4.50% |
| |
24 Month |
4.51% |
4.60% |
| |
36 Month |
4.55% |
4.65% |
| |
48 Month |
4.60% |
4.70% |
| |
60 Month |
4.410% |
4.50% |
| |
|
|
|
| IRA Certificates** |
12 Month |
4.790% |
4.90% |
| |
18 Month |
4.410% |
4.50% |
| |
24 Month |
4.510% |
4.60% |
| |
36 Month |
4.550% |
4.65% |
| |
48 Month |
4.600% |
4.70% |
| |
60 Month |
4.410% |
4.50% |
|
|
APR=Annual Percentage Rate
*APY=Annual Percentage Yield
$500.00 minimum balance is required. Early withdrawal penalty will apply.
**IRA Certificates are not available in 3 or 6 month terms
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| IRA and MOney Market Accounts::
Effective 1/1/2007 |
| Type |
Balance |
APR |
APY |
| Money Market Accounts |
$2000 - $24,999 |
1.985% |
2.00% |
| |
$25,000- $49,999 |
2.470% |
2.50% |
| |
$50,000 - 49,999 |
3.11% |
3.15% |
| |
$50,000-$99,999 |
3.11% |
3.15% |
| |
$100,000-$99,999 |
3.20% |
3.25% |
| |
$100,000+ |
3.20% |
3.25% |
| |
|
|
|
| Alliance Advantage Money Market |
$100,000+ |
4.64$ |
4.74% |
| |
18 Month |
4.410% |
4.50% |
| |
|
|
|
| IRA Savings |
--------- |
1.00% |
1.00% |
|
|
APR=Annual Percentage Rate
*APY=Annual Percentage Yield
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| Share Rates:: Effective 11/1/2007 |
| Type |
APR |
APY* |
Calculator |
| Share Savings |
0.75% |
0,75% |
|
| Holiday/Vacation/School Club |
1.00% |
1.00% |
|
| Checking |
0.249% |
.25% |
|
| Health Savings Account |
2.47% |
2.50% |
|
| IRA Savings |
1.00% |
1.00% |
|
|
|
APR=Annual Percentage Rate
*APY=Annual Percentage Yield
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