Harbor Federal Credit Union
 “The Best at Serving You!” 

Dividend Rates & Terms                                                             

This Rate Schedule states rates applicable to specified accounts.  This fee schedule is common to 
all accounts.  These schedules are incorporated as a part of your account agreement with Harbor 
Federal Credit Union.  For purposes of this disclosure, the dividend rate and annual percentage yield stated
for term share accounts were offered within the most recent seven calendar days and were accurate 
as of 01/12/10.  All rates are subject to change without notice.

Please call (310) 816-0440 to obtain current rate information.

  Share Accounts

		Minimum	Minimum
Account	Rate	Opening	To Earn	Dividend		Dividend
Type	Type	Balance	Dividends	Rate	APY1	Paid
* Min. Balance Account	Variable	$25.00	$500.00	0.25%	0.25%	Quarterly
* Special Savings	Variable	$1.00	$500.00	0.25%	0.25%	Quarterly
***12 Mo. IRA Cert. (Roth/Education)	Fixed	$10.00	$10.00	1.35%	1.36%	Monthly

Term Share Certificates ***
Yields based on certificates held to maturity. Dividends paid monthly.

Term	$1,000 to	$9,999	$10,000 to	$49,999	$50,000 to	$99,999	$100,000	+
	Dividend		Dividend		Dividend		Dividend
	Rate	APY1	Rate	APY1	Rate	APY1	Rate	APY1
3 Month	.30%	.30%	.45%	.45%	.50%	.50%	.60%	.60%
6 Month	.70%	.70%	.80%	.80%	.90%	.90%	1.00%	1.00%
12 Month	.90%	.90%	1.00%	1.00%	1.05%	1.06%	1.15%	1.16%
24 Month	1.25%	1.26%	1.30%	1.31%	1.40%	1.41%	1.50%	1.51%
36 Month	1.70%	1.72%	1.80%	1.82%	1.90%	1.92%	2.00%	2.02%
48 Month	2.00%	2.02%	2.15%	2.17%	2.20%	2.22%	2.30%	2.33%

 

 

Money Market Accounts                                                   

		Dividend
Account Type	Balance	Rate	APY1
	$2,000-$9,999.99	.50%	.50%
	$10,000-$24,999.99	.75%	.75%
** Money Market	$25,000-$49,999.99	.75%	.75%
	$50,000-$99,999.99	1.00%	1.00%
	$100,000+	1.25%	1.26%

Club Accounts

		Minimum	Minimum
Account	Rate	Opening	To Earn	Dividend		Dividend
Type	Type	Balance	Dividends	Rate	APY1	Paid
*Christmas Club	Variable	$1.00	$500.00	0.50%	0.50%	Quarterly
*Golden Harbor Club	Variable	$1.00	$500.00	0.45%	0.45%	Monthly
*Advantage Checking	Variable	$1.00	$500.00	0.35%	0.35%	Monthly

                1APY stands for Annual Percentage Yield.  
 *              If account is closed no dividend is paid on accrued dividend.
**            Dividends paid at time of closure.
***          Penalty for Early withdrawal.

                                    Loan Rates
                                                                         Rates effective date March 1st, 2010. 

Auto Loan Rates

Loan Type		MAX Amount Financed		MAX Years to Repay		Loan  Amount		APR* as low as
New Auto		100%		3 years				4.49%
				4 years				4.74%
				5 years		$10,000		4.99%
				6 years		$15,000		4.24%
				7 years		$30,000		5.74%
Used Auto		100% retail		3 years				4.99%
				4 years				5.24%
				5 years		$10,000		5.49%
				6 years		$15,000		5.99%
				7 years		$30,000		6.24%
Used Auto older then 7 yrs		90% retail		3 years				8.50%
				4 years				8.75%
				5 years		$10,000		9.50%
New RV's, boats and travel trailers		100%		15 years		$100,000		8.25%
Used RV's, boats and travel trailers		80% retail		15 years		$100,000		9.50%
New Recreational Motorcycles, water craft and electrical vehicles		100%		5 years				9.25%
Used Recreational Motorcycles, water craft and electrical vehicles		80% retail		5 years				10.25%

 

Personal Loan Rates

Loan Type		Loan Amount		APR* as low as
Signature		$300 - $15,000		12.00%
First Time Borrower		$300 - $500		16.50%
Credit Builder		$300 - $500		18.00%
Open-End		$300 - $15,000		11.00%
Overdraft Protection		$300 - $2,500		17.00%
Visa - Classic		$300 - $10,000		13.25%
Visa - Share Secured		Share Balance + 25%		14.90%
Share Secured		Up to 90% of  Regular Shares		Dividend + 5.00%
Certificate Secured		Up to 90% of Certificate		Certificated Rate + 3.50%

 

Real Estate Loans

Home Equity Lines of Credit (HELOC) effective 5-1-09

Loan Type		MAX Loan Amount		APR*
HELOC 80% LTV		$200,000		Prime Rate
HELOC 90% LTV		$75,000		Prime + 1.50%

Click here for more details regarding fees and rates on our HELOC loans.

Home Loans
We have a wide range of  First Mortgages that are available for home purchases and refinancing.  For rates, terms, and various types of  mortgage loans contact our Real Estate Advisor at 800-574-4556 or click below for more information.

 

 

*APR = Annual Percentage Rate

All rates are quoted on approved credit as Annual Percentage Rate (APR).  Loan approval subject to credit and income evaluation.  Consumer loan rates may vary, depending on credit worthiness, terms, and the amount financed.  Rates and terms are subject to change without notice.