Please see below for 
our exceptional financial rates.

as of 03/03/2010

We offer risk-based lending with the purpose of helping as many applicants as possible. Rates quoted are the lowest possible for qualified borrowers based on loan term, credit history, debt, and ability to repay. Your rate may vary. Must be a member of Putnam FCU to apply for a loan. Rates subject to change without notice.

SHARE ACCOUNTS

SHARE ACCOUNTS RATE ANNUAL PERCENTAGE YIELD TERM
           
SHARE ACCOUNTS .10(QUARTERLY) .10 $100.00 MINIMUM*
MONEY MARKET .10(DAILY) .10 $100.00 TO 999.99
   .10(DAILY) .10 $1000.00 TO 14,999.99
   .25(DAILY) .25 $15000.00 TO 39,999
   .25(DAILY) .25 $40000.00 TO 99,999.99
   .50(DAILY) .50 100,000.00 AND ABOVE
   xx xx  
CLUB ACCOUNTS (QUARTERLY)   $50.00 MINIMUM*
VACATION   .25 .25 $50.00MINIMUM 
HOLIDAY  .25 .25 $50.00MINIMUM
TAX SAVER  .25 .25 $50.00MINIMUM 
**MINIMUM OF 100.00 TO ACCRUE INTEREST ON SHARE & MM ACCTS*
**MINIMUM OF 50.00 TO ACCRUE INTEREST ON VARIOUS CLUB ACCTS**
****3 CHECK LIMIT ON MONEY MARKET****

 ******PAYROLL DEDUCTION AVAILABLE****

TERM CERTIFICATES*
TRADITIONAL AND IRA

  $500.00 TO $94,999.99 $95K AND ABOVE
TERM   RATE  ANNUAL PERCENTAGE YIELD RATE  ANNUAL PERCENTAGE YIELD
6 MTHS 1.00 1.00 1.09 1.10
 12 MTHS 1.15 1.15 1.24 1.25
 18 MTHS 1.24 1.25 1.34 1.35
 24 MTHS 1.74 1.75 1.83 1.85
 3O MTHS 1.74 1.75 1.83 1.85
 36 MTHS 1.99 2.00 2.08 2.10
42 MTHS 1.99 2.00 2.08 2.10
48 MTHS 2.08 2.10 2.18 2.20
 6O MTHS 2.37 2.40 2.47 2.50

* A penalty may be imposed for early withdrawals for Term Certificates.  See DISCLOSURES.

LOANS

LOANS TERM ANNUAL PERCENTAGE RATE (APR)
SIGNATURE 1-3YRS 10.75-17.75
SIGNATURE 4 YRS   11.50-17.95
AUTO/MOTORCYCLES 1-5YRS 5.95-17.00
****NEW**** 6-7 YRS (NEW ONLY) 7.00-17.25
     
AUTO/MOTORCYCLES 1 - 5 YRS 6.50-18.00(CARS 5 YRS OLD OR LESS)
****USED****
RV FIXED RATE UP TO 6 YEARS 8.00-17.75
  7 YRS - 12 YRS 9.75-18.00
 
 
CERTIFICATE SECURED 1-4YRS CD RATE PLUS 2.5 %
SHARE SECURED 1-4YRS 3.00 (100% OF BALANCE)
HOME EQUITY FIXED  1-5YRS 6.00-12.50
*LOAN TO VALUE UP TO 80%*  6-10YRS 7.00-13.50
ADD 1.OO%               90%  11-15 YRS 8.00-14.50
 HOME EQUITY VARIABLE 15 YRS

AS LOW AS 4.00 (PRIME -0 .50%*)  *MINIMUM INTEREST RATE=4.00%  

 

30 YRS

            AS LOW AS 4.00 (PRIME-0.50%*)                   *MINIMUM INTEREST RATE=4.00%                                        

BOAT/NEW 1-6 YRS 8.00-17.75
BOAT/USED 1-5 YRS 9.75-18.00

******NO CLOSING COSTS FOR 10 TO 100K********

***WE OFFER A COMPLETE LINE OF FIRST MORTGAGE PRODUCTS INCLUDING CONSTRUCTION FINANCING***

FOR MORE INFORMATION AND CURRENT RATES SELECT "CONVENIENCE SERVICES" ON MAIN MENU

FROM THERE SELECT "REAL ESTATE LOANS" AND "FIRST MORTGAGE"

For Disclosure Information, click here.

 

OVERDRAFT  

12.25-18.00

VISA GOLD   8.90-9.50
VISA CLASSIC

10.50 -16.40