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Rates/Fees


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Rates

Loan Type

Approximate Term (Months)

APR*

Daily Periodic Rate

Automobile Loans

New and Used Automobile Loan Rates

Rates are based on Credit Reporting Beacon Score

Credit Score

725 or above 4.50% .012328
675-724 4.90% .013424
625-674 6.90% .018904
600-624 8.00% .021918
550-599 13.00% .035616
500-549 14.00% .038356

Automobile Terms of Finance

Year Model Listed Below

2009-2010 Up to 72 Months
2006-2008 Up to 60 Months
2004-2005 Up to 48 Months
2002-2003 Up to 36 Months

Share Secured Loans
Up to 60 Months 3.00% .008219

Motorcycles, Boats and Campers
Up to 60 Months Rates and Terms are the same as New and Used Automobile Loans

Signature Loans

Credit Score

725 or above 8.00% .021918
675-724 8.00% .021918
625-674 9.00% .024658
600-624 12.00% .032877
550-599 16.00% .043836
500-549 18.00% .043915
Application Fees: A fee of $10.00 will be charged at the initial advance of your loan to cover the cost of processing the loan. This fee will be imposed every 6 months upon advances.
Filing Fee: A lien filing fee will be charged at the time of the advance if the credit union takes a security interest in the collateral. The amount of the filing fee will be disclosed on the loan voucher.
Collection: You promise to pay all court cost of collecting the amount you owe under this contract including court cost and reasonable attorney fees.

Debt Consolidation
Up to 36 Months Borrower must have a credit score of 675 with no unpaid collections on their credit report

Certificate Rates

Term

APR**
6 Month NOT CURRENTLY IN THE MARKET
12 Month NOT CURRENTLY IN THE MARKET

SHARE DIVIDEND RATES

Savings and Christmas Club Accounts

APR***
$250.00-$40,000.00 .10%
$40,001.00-$50,000.00 .25%
$50,001.00 and above .50%

*APR = Annual Percentage Rate    **APY = Annual Percentage Yield

Fees Schedule Effective: August 1, 2008


Type

Fee
Money Order Fee 1.50 Each
ATM Replacement Card Fee 7.50
Account reopening within 6 months of closing 25.00
NSF Fee Drafts & ACH 25.00
Overdraft Protection Per Item 15.00
Stop Payments ACH & Drafts 25.00
Excessive Withdrawal Fee 3.00 Each/8 Free withdrawals per month
Monthly Service Fee on Draft Accounts 7.50/ Ages 50+ Free
Cashiers Checks 10.00/Free for members with active accounts
Late Payment Fee on Non-Payroll Deducted Loans 25.00
 
What's New
Links
GEORGIA AQUARIUM TICKETS

Our credit union members may receive a 10% discount on tickets to the Aquarium by accessing the following website: www.georgiaaquarium.org/meadcreditunion
You may print your tickets in advance from your computer or bring the Order Confirmation #to Box Office to receive tickets. You may also download the self-guided tour on your Ipod.

Six Flags Over Georgia and Six Flags/White Water Tickets

We now have tickets to Six Flags and White Water available in the credit union office. Ticket prices are as follows: Six Flags Day Pass $25.00 Six Flags Season Pass $50.00 White Water Day Pass $25.00

JUNE AUTO LOAN PROMOTION

4.5% Financing to qualified applicants on new and used vehicle loans. Special runs from June 1, 2010 through June 30, 2010. See our office for the details. The Car Connection will be displaying automobiles during the month.

Visa Prepaid Debit Cards

Apply now for your prepaid debit card. You may load any amount from $10.00 to $5,000.00 to the card directly from your savings or share draft account with Mead Employees Credit Union.