Effective Date: 03/01/2010
| Balance | Rate* | APY* |
|---|
| $0.00 to $25,000.00 | ||
| With Qualifications | 3.50% | 3.56% |
| Without Qualifications | 0.10% | 0.10% |
| Every dollar over $25,000 | ||
| With Qualifications | 1.00% | 1.00% |
| Without Qualifications | 0.10% | 0.10% |
| Account Name | Min. Balance to Earn Dividends* | Rate* | APY* |
|---|---|---|---|
| Classic Checking | $0.00 | 0.35% | 0.35% |
| Medical Checking | $0.00 | 0.35% | 0.35% |
| Business Checking | $0.00 | 0.35% | 0.35% |
| Young Adult Checking | $0.00 | 0.35% | 0.35% |
| CapEd Tunes | $0.00 | 0.00% | 0.00% |
*APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded on the first day of each quarter. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call our Member Services Department at 208-884-0150 or 1-800-223-SAVE (7283).
Rates subject to change.
Effective Date: 03/01/2010
| Account Name | Min. Balance to Earn Dividends* | Rate* | APY* |
|---|---|---|---|
| Regular Savings | $5.00 | 0.50% | 0.50% |
| Medical Savings | $0.00 | 0.50% | 0.50% |
| Christmas Club Savings | $0.00 | 1.40% | 1.41% |
| IRA Savings (59 1/2) Tradition | $10.00 | 2.00% | 2.02% |
| IRA Roth/Trad | $10.00 | 1.75% | 1.76% |
| IRA SEP/ESA | $10.00 | 1.75% | 1.76% |
*APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded on the first day of each quarter. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call our Member Services Department at 208-884-0150 or 1-800-223-SAVE (7283).
Rates subject to change.
Effective Date: 03/01/2010
| Minimum Balance | $500 | $2,500 | $5,000 | $10,000 | $25,000 | $50,000 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Term | Div Rate | APY | Div Rate | APY | Div Rate | APY | Div Rate | APY | Div Rate | APY | Div Rate | APY |
| 6 - 11 Months | 0.70% | 0.70% | N/A | N/A | 0.75% | 0.75% | 0.80% | 0.80% | 0.90% | 0.90% | 0.95% | 0.95% |
| 12 - 17 Months | 1.05% | 1.05% | N/A | N/A | 1.10% | 1.11% | 1.15% | 1.16% | 1.25% | 1.26% | 1.35% | 1.36% |
| 18 - 23 Months | 1.30% | 1.31% | N/A | N/A | 1.35% | 1.36% | 1.40% | 1.41% | 1.50% | 1.51% | 1.60% | 1.61% |
| 24 - 35 Months | 1.85% | 1.86% | N/A | N/A | 1.90% | 1.91% | 1.95% | 1.97% | 2.05% | 2.07% | 2.15% | 2.17% |
| 36 - 47 Months | 2.10% | 2.12% | N/A | N/A | 2.15% | 2.17% | 2.20% | 2.22% | 2.30% | 2.32% | 2.40% | 2.42% |
| 48 - 59 Months | 2.40% | 2.42% | N/A | N/A | 2.45% | 2.47% | 2.50% | 2.52% | 2.60% | 2.63% | 2.70% | 2.73% |
| 60 Months | 2.85% | 2.88% | N/A | N/A | 2.95% | 2.98% | 3.00% | 3.03% | 3.10% | 3.14% | 3.20% | 3.24% |
| 91 - 179 Days | N/A | N/A | 0.55% | 0.55% | 0.60% | 0.60% | 0.65% | 0.65% | 0.75% | 0.75% | 0.85% | 0.85% |
| Term (Under Age 25) | Minimum Balance | Rate* | APY* |
|---|---|---|---|
| 6 Month | $250.00 | 1.20% | 1.21% |
| 12 Month | $250.00 | 1.60% | 1.61% |
| Term (School Dist. Employee) | Minimum Balance | Rate* | APY* |
|---|---|---|---|
| 30 Days | $10.00 | 2.50% | 2.52% |
*APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded on the first day of each quarter. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call our Member Services Department at 208-884-0150 or 1-800-223-SAVE (7283).
Rates subject to change.
Effective Date: 03/01/2010
| Min. Balance to Earn Dividends* | Rate* | APY* |
|---|---|---|
| $0 - $2,499.99 | 0.00% | 0.00% |
| $2,500.00 - $24,999.99 | 0.50% | 0.50% |
| $25,000.00 - $49,999.99 | 0.70% | 0.70% |
| $50,000.00 - $74,999.99 | 0.90% | 0.90% |
| $75,000.00 - Above | 1.00% | 1.00% |
| Min. Balance to Earn Dividends* | Rate* | APY* |
|---|---|---|
| $0 - $2,499.99 | 0.00% | 0.00% |
| $2,500.00 - $24,999.99 | 0.25% | 0.25% |
| $25,000.00 - $49,999.99 | 0.40% | 0.40% |
| $50,000.00 - $74,999.99 | 0.60% | 0.60% |
| $75,000.00 - Above | 0.75% | 0.75% |
*APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded on the first day of each quarter. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call our Member Services Department at 208-884-0150 or 1-800-223-SAVE (7283).
Rates subject to change.
Accurate as of 11/30/2009
*Annual Percentage Rates (APR) listed are base rates. The rate you receive will be based on the merits of your credit history. Please contact a loan officer to discuss what rate you qualify for. All rates are subject to change.
| Model Year | 24 Months | 36 Months | 48 Months | 60 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|---|
| 2008-2011 | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | 5.99%-11.99%* |
| Daily Periodic Rate | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | .0164110%- .0328493%* |
| 2004-2007 | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | 5.99%-11.99%* |
| Daily Periodic Rate | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | .0164110%- .0328493%* |
| 2003 and older | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | N/A | N/A |
| Daily Periodic Rate | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | N/A | N/A |
| Loan Amount | 36 Months | 48 Months | 60 Months | 72 Months | 84 Months | 120 Months | 144 Months |
|---|---|---|---|---|---|---|---|
| $20,000.00 or greater | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | 5.99%-11.99%* | 6.75%-12.75%* | 7.25%-13.25%* |
| Daily Periodic Rate | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | .0164110%- .0328493%* | .0184932%- .0349315%* | .0199%- .0363014%* |
| $15,000.00 - $19,999.99 | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | 5.99%-11.99%* | 6.75%-12.75%* | 7.25%-13.25%* |
| Daily Periodic Rate | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | .0164110%- .0328493%* | .0184932%- .0349315%* | .0199%- .0363014%* |
| $5,000.00 - $14,999.99 | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | 5.99%-11.99%* | 6.75%-12.75%* | N/A |
| Daily Periodic Rate | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | .0164110%- .0328493%* | .0184932%- .0349315%* | N/A |
| Less than $5,000.00 | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | N/A | N/A | N/A |
| Daily Periodic Rate | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | N/A | N/A | N/A |
(Motorcycle/Snowmobile/ ATV/Personal Watercraft)
| Loan Amount | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| $15,000.00 or greater | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* |
| Daily Periodic Rate | .0109315%-.0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* |
| $5,000.00 - $14,999.99 | 3.99%-9.99%* | 3.99%-9.99%* | 3.99%-9.99%* | N/A |
| Daily Periodic Rate | .0109315%-.0273699%* | .0109315%- .0273699%* | .0109315%- .0273699%* | N/A |
| Less than $5,000.00 | 3.99%-9.99%* | 3.99%-9.99%* | N/A | N/A |
| Daily Periodic Rate | .0109315%-.0273699%* | .0109315%- .0273699%* | N/A | N/A |
You will be charged a lien-filing fee at the time of the advance if the credit union takes a security interest in your collateral.
You promise to pay all costs of collecting the amount you owe under this agreement including court costs and, if the amount borrowed was greater than $1,000.00, reasonable attorney fees.
You will be charged a late charge of 15.00% of interest due if payment is over 12 days late. The minimum late charge is $1.00.
* Please call for other rates and terms. On approved credit only. Rates subject to change. If you have any questions or need current rate information, please call our Loan Department at 208-884-0150 or 1-800-223-SAVE (7283).
Accurate as of 11/30/2009
*Annual Percentage Rates (APR) listed are base rates. The rate you receive will be based on the merits of your credit history. Please contact a loan officer to discuss what rate you qualify for. All rates are subject to change.
| Term | APR* | Daily Periodic Rate |
|---|---|---|
| 12 months | 8.50% to 14.50%* | 0.0232877% to 0.0397260%* |
| 24 months | 9.50% to 15.50%* | 0.0260274% to 0.0424658%* |
| 36 months | 10.50% to 16.50%* | 0.0287671% to 0.0452055%* |
| 48 months | 11.00% to 17.00%* | 0.0301370% to 0.0465753%* |
| 60 months | 11.50% to 17.50%* | 0.0315068% to 0.0479452%* |
| Term | APR* | Daily Periodic Rate |
|---|---|---|
| 24 months | 3.50%* | 0.0095890%* |
| 36 months | 3.75%* | 0.0102740%* |
| 48 months | 4.00%* | 0.0109589%* |
| 60 months | 4.00%* | 0.0109589%* |
| Term** | APR* | Daily Periodic Rate |
|---|---|---|
| 16.50%* | 0.0452055%* |
Payments will be calculated at $5.00 per hundred dollars borrowed or any fraction thereof, with a minimum payment of $25.00.
You promise to pay all costs of collecting the amount you owe under this agreement including court costs and, if the amount borrowed was greater than $1,000.00, reasonable attorney fees.
You will be charged a late charge of 15.00% of interest due if payment is over 12 days late. The minimum late charge is $1.00.
* Please call for other rates and terms. On approved credit only. Rates subject to change. If you have any questions or need current rate information, please call our Loan Department at 208-884-0150 or 1-800-223-SAVE (7283).
Accurate as of 11/30/2009
| Term | 36 Months | 60 Months | 72 Months | 84 Months | 120 Months | 144 Months | 180 Months |
|---|---|---|---|---|---|---|---|
| APR* | 3.99%-9.99% | 4.50%-10.50% | 4.50%-10.50% | 4.60%-10.60% | 4.70%-10.70% | 4.80%-10.80% | 4.90%-10.90% |
| DPR* | .0109315%-.0273699% | .0123288%-.0287671% | .0123288%-.0287671% | .0126027%-.0290411% | .0128767%-.0293151% | .0131507%-.0295890% | .0134247%-.0298630% |
| Rate | Points | |
|---|---|---|
| PRIME - .50% | 4.00% | No Points |
Home Equity Line of Credit Loans (HELOC) have an adjustable rate feature. The interest rate may change on January 1 and July 1 of each year depending on the current Prime rate. 4.00% apr is the minimum rate. The maximum rate is 18% apr.
CapEd offers its Members many types of real estate loans including: first and second mortgages and home equity lines of credit; for purchase or refinancing; fixed or variable rates.
Second mortgage loans can be made on single family principle residences or unimproved property located in Idaho. All property must currently be deeded in the Member's name. Your 1st mortgage balance can be no higher than $400,000.00 when applying for a 2nd mortgage.
Five (5) to fifteen (15) year, Fixed Rate Mortgages are fully amortizing loans. The rate will be fixed for the full term of the loan and your monthly principal and interest payments will not change for the term of the loan. All property must carry adequate insurance.
Please call a Mortgage Loan Officer at (208) 884-0150, or send us a message for more information.
*Call for rates and terms. On approved credit only. Rates subject to change. All percentage rates and APR listed are ranges. The rate you receive will be based on the merits of your credit history. Please contact a loan officer to discuss what rate you qualify for. All rates are subject to change.
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