| Effective October 25, 2004 |
| Rates and terms are subject to change without notice |
| Loan Type |
Term |
Rate (APR) |
|
| New & Used Auto Loans |
| Call our Loan Center to get Pre-Approved and start shopping right away. Or, refinance your higher-rate auto loan from another lender |
| and cash out the equity in your vehicle. Financial 21 has the auto loan to meet your needs. Call for details today! |
| * Rate may be higher based on credit qualifications and account relationships. Other restrictions may apply. Terms up to 84 months are available - ask for details. |
AS LOW AS |
2001 Model or newer 48-mo. term
 |
3.99%* |
| 2000/older 48-mo. term |
3.99%* |
| 60 month term: |
|
| 2001 or newer |
4.49%* |
| 2000 or older |
5.24%* |
|
| Auto/Equity
|
| Financial 21's Auto Equity Loan is an Auto Loan and a Home Equity Loan, all-in-one! |
| Use your power as a homeowner to buy the vehicle you want and the interest you pay may be tax deductible. (Consult your tax advisor.) |
| * Rate may be higher based on credit qualifications and account relationships. Other restrictions may apply. Terms up to 84 months are available - ask for details. |
AS LOW AS |
| 2001 Model or newer 48-mo. term |
4.49%* |
| 2000/older 48-mo. term |
5.24%* |
| 60 month term: |
|
| 2001 or newer |
4.99%* |
| 2000 or older |
5.74%* |
|
| RV, and Boat
|
| Rates quoted below are based on 80% financing and a term of 120 months. 90% Financing and longer terms available. |
| Credit Union will not finance RV/Boats older than 15 model years. Other restrictions may apply. Call for details. |
|
2001 & newer |
6.50%* |
|
2000 & older |
7.50%* |
| *Rate may be higher based on credit qualifications and account relationships. |
|
| Credit Cards |
| $10 Annual Fee - Waived for Limited Issue MasterCard with $2,000 balance transfer. Call for details. |
| MasterCard |
Revolving |
14.90% |
| Limited Issue MasterCard |
Revolving |
12.90% |
| 25-day grace period. No grace period for cash advance. Transaction fee is 2% of advance. Interest is calculated on the average daily balance which includes current transactions. |
CMF Mortgage Rates
Community Mortgage Funding (CMF) is Financial 21's mortgage loan center. CMF offers 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; conforming (up to $333,700) and jumbo (up to $1,000,000); balloons and fully-amortized loans.
The rates quoted here are indications only and are based on certain underwriting criteria, and all rates are subject to change without notice.
APR calculations are based upon a loan amount of $333,700 with a 20% down payment or 80% LTV. Please call our CMF representative at (858) 715-0521, or send email to info@cmfloan.com for further information. |
| Conforming Fixed - Rate Loans to $333,700. Effective November 5, 2004. |
| |
Interest Rate |
Points |
APR |
| 15 Year Term |
5.00% |
1.00 |
5.20% |
| 30 Year Term |
5.625% |
1.00 |
5.74% |
| 3/1 Fixed for 3 yrs, converts to ARM |
4.50% |
1.00 |
7.60% |
Maximum LTV= 95%. PMI required on loans over 80%
|
| |
|
|
| Home Equity Lines-of-Credit - (Variable rate) |
|
|
| Borrow up to $200,000 |
|
|
| Up to 90% of appraised value, less any existing liens. |
|
|
| Terms up to 15 years. Rates as low as 3.95%* |
|
|
| *Financial 21 offers a wide variety of HELOC programs. Call a Loan Specialist today to help find the program that works best for you. |
| |
|
|
| |
|
|
| Home Equity Option - (Fixed rate) |
|
|
| Minimum loan $5,000, maximum $25,000 |
|
|
| No equity necessary, based on personal credit qualifications. |
3 years |
10.00% |
| |
5 years |
11.00% |
| |
7 years |
12.00% |
| |
|
|
| |
|
|
| Rates and Terms subject to change. Please call our Loan Center at (619) 233-3101 for more information. |
|
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| |
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| |
|
|
| All accounts insured to $250,000 by the ASI |
|
|
|
| Effective October 3, 2005 |
|
|
|
| |
Minimum Balance |
Rate |
APY |
| Share Savings |
$25 |
0.75% |
0.75% |
| Special Savings |
$25 |
0.75% |
0.75% |
| Checking* |
$100 |
0.00% |
0.00% |
| Investor Trading Account** |
$1,000.00 - $2,499.99 |
0.90% |
0.90% |
| |
$2,500.00 - $24,999.99 |
1.00% |
1.02% |
| |
$25,000.00 - $49,999.99 |
1.10% |
1.11% |
| |
$50,000.00 - $99,999.99 |
1.20% |
1.21% |
| |
$100,000.00 and over |
1.30% |
1.31% |
| ** A $10.00 fee is assessed if balance falls below minimum. |
| Money Market* |
$2,500 |
1.25% |
1.26% |
| Money Market Plus |
$5,000--$24,999 |
1.10% |
1.12% |
| |
$25,000--$49.999 |
1.15% |
1.16% |
| |
$50,000--$99.999 |
1.20% |
1.21% |
| |
$100,000 and up |
1.35% |
1.36% |
| IRA |
$100 |
1.00% |
1.00% |
| Roth IRA |
$100--$1.999 |
1.00% |
1.00% |
| |
$2,000--$9,999 |
1.15% |
1.16% |
| |
$10,000--$24,999 |
1.20% |
1.21% |
| |
$25,000 and up |
1.35% |
1.36% |
| Coverdell ESA |
$100 |
1.00% |
1.00% |
| * A $5 fee is assessed if balance falls below minimum |
|
|
|
|
| Promotional Share Certificate Rates* |
| Effective November 9, 2004 |
| Max Rate |
$10,000 |
5.60% |
5.75% |
| Step Up CD21 |
$2,500 |
3.76% |
3.83% |
| Step Up CD21 |
$10,000 |
3.86% |
3.93% |
| Step Up CD21 |
$50,000 |
3.96% |
4.03% |
| Step Up CD21 |
$100,000 |
4.11% |
4.19% |
| * Promotional Certificates require a new money deposit, please. (New money = Funds not currently on deposit with Financial 21.) |
|
|
| Regular Share Certificate Rates |
| Effective November 29, 2005 |
| 90-Day |
$2,500 |
1.42% |
1.43% |
| 90-Day |
$10,000 |
1.47% |
1.48% |
| 90-Day |
$50,000 |
1.52% |
1.53% |
| 90-Day |
$100,000 |
1.57% |
1.58% |
| 6-month |
$2,500 |
1.47% |
1.48% |
| 6-month |
$10,000 |
1.52% |
1.53% |
| 6-month |
$50,000 |
1.57% |
1.58% |
| 6-month |
$100,000 |
1.62% |
1.63% |
| 12-month |
$2,500 |
2.16% |
2.18% |
| 12-month |
$10,000 |
2.21% |
2.23% |
| 12-month |
$50,000 |
2.31% |
2.33% |
| 12-month |
$100,000 |
2.41% |
2.44% |
| 24-month |
$2,500 |
2.71% |
2.74% |
| 24-month |
$10,000 |
2.76% |
2.80% |
| 24-month |
$50,000 |
2.91% |
2.95% |
| 24-month |
$100,000 |
3.01% |
3.05% |
| 36-month |
$2,500 |
3.22% |
3.27% |
| 36-month |
$10,000 |
3.32% |
3.37% |
| 36-month |
$50,000 |
3.42% |
3.47% |
| 36-month |
$100,000 |
3.52% |
3.58% |
| Traditional IRA Share Certificates |
|
|
|
| 12-month |
$ 1,000 |
2.16% |
2.18% |
| 18-month |
$10,000 |
2.31% |
2.33% |
| 36-month |
$10,000 |
3.32% |
3.37% |
| Roth IRA Share Certificates |
|
|
|
| 18-month |
$1,000 |
2.21% |
2.23% |
| 18-month |
$10,000 |
2.31% |
2.33% |
Penalty for early withdrawal for all Share Certificates. See Truth In Savings Disclosure. Savings, Checking and IRA Savings dividends are calculated daily, compounded and paid quarterly. Investor Trading Account, Money Market, Money Market Plus, Certificates and IRA Certificates dividends are calculated daily, compounded and paid monthly or at maturity. APY = Annual Percentage Yield. Additional fees may apply; contact the Credit Union for details.
