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All rates are subject to change without notice. |
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Earn 4.51% on your monthly balance with our FREE LibertyChecking!
Get FREE ATM transactions NATIONWIDE with our FREE LibertyChecking!
It's easy all you have to do is:
1. Accept eStatements; 2. Perform 10 check card transactions; and
3. Have one ACH transaction (direct deposit or direct pay).
Sign up today! Not a member...not a problem!
Call 361-986-4500 or 800-622-3631, option 2
to speak with a member service representative today.
as of 11/2/2009
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| Term (Months) | APR |
| 0-72 | 4.75 -16.50% |
| 73-144 | 6.25- 17.30% |
Get 0.15% Discount
when you apply
over the web! | |
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as of 6/21/2009
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| Term (Months) | APR |
| 0 to 48 | 8.50 - 17.50% |
Get 0.15% Discount
when you apply
over the web! | |
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as of 6/19/2009
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| Term (Months) | APR |
| 0 - 36 | 4.50% |
| 37 - 48 | 5.50% |
| Term Share | Rate + 2% |
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as of 8/31/2009
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| Term (Months) | rate * APR | Notes |
| 0 to 180 | 5.25 -13.25%
* 5.360- 13.361% | owner occupied/purchases & refi's |
| 0-72 | 6.10-11.60%
* 6.221 - 11.744% | owner occupied/home equities |
| 73-120 | 6.45-11.95%
* 6.572-12.096% | |
| 121-180 | 6.75-12.20%
* 6.874-12.347% | |
ATTENTION: |
- Payments for real estate loans may be calculated (amortized) over a longer period of time (i.e. 20-30 years) depending on the amount financed.
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- Maximum term for rate commitment is 15 years; therefore loans may have a balloon feature.
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- Maximum amortization of home equity loans is 15 years.
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- Financed fees will increase APR from original quoted rate.
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- Add 1.00% for non-owner occupied real estate requests. Maximum Maturation for non-owner occupied properties is 144 months.
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- Rate depends on the % of down payment and credit history.
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- Call RE Dept. for details, 361/986-4500, option 3.
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as of 8/31/2009
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| Account Type | Minimum Opening Balance | Minimum to Obtain APY | DIVIDEND RATE | APY% |
| Home Savings/Share Accounts |
$25.00
|
$50.00-9,999.99
$10,000 & Over
|
0.450
0.750
|
0.450
0.750
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| Money Market Account |
$2,000.00
|
$2,000.00-24,999.99
$25,000 - 49,999.99
$50,000+
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1.49
1.59
1.740
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1.500
1.600
1.750
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Share Draft
LibertyChecking |
$20.00
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$0.01 - 25,000
$25,000 +
$0.01 & Over
if qualifications not met
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4.420
1.000
0.100
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4.51
1.010
0.100
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Share Draft Account
Basic/Flag |
$20.00
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$1.000.00
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0.00
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0.00
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as of 7/1/2009
| | Account Type | Minimum Opening Balance | Minimum to Obtain APY | DIVIDEND RATE | APY% |
| IRA-Share Account |
$50.00
|
|
2.080
|
2.100
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| IRA-1 Year Term Share |
$1,000 -99,999.99
$100,000 +
|
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2.280
2.370
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2.300
2.400
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| IRA-2 Year Term Share |
$1,000 -99,999.99
$100,000 +
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2.720
2.860
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2.750
2.900
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as of 8/18/2009
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| Account Type | Minimum Opening Balance | Minimum to Obtain APY | DIVIDEND RATE | APY% |
3 Month
Term Share Account |
$1,000 - 99,999.99
$100,000 +
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1.590
1.690
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1.600
1.700
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6 Month
Term Share Account |
$1,000 - 99,999.99
$100,000 +
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1.880
1.930
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1.900
1.950
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9 Month
Term Share Account |
$1,000 - 99,999.99
$100,000 +
|
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1.930
1.980
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1.950
2.000
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1 Year
Term Share Account |
$1,000 - 99,999.99
$100,000 +
|
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2.080
2.180
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2.100
2.200
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2 Year
Term Share Account |
$1,000 - 99,999.99
$100,000 +
|
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2.520
2.670
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2.550
2.700
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**** APR = Annual Percentage Rate
** APY = Annual Percentage Yield
The APY assumes that funds remain on deposit at least one full year. A withdrawal will reduce earnings. We use the Average Daily Balance method to calculate dividends on your account.
1. Nature of Dividends: Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yield (APY) are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Note: not applicable for Term Share Accounts.
2. Early Withdrawal Penalty for Term Share Accounts: We may impose a penalty if you withdraw any of the principal before the maturity date, or the renewal date, if this is a renewable account.
3. Rate information: The Dividend Rate and APY on your accounts are set forth above. The APY is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. Withdrawal of dividends or early withdrawal of principal will reduce the APY. The Dividend Rate and APY may change at any time.
4. Annual Percentage Rate (APR) listed above is the Credit Union's standard rate. Rate may vary depending on each borrower's credit history and underwriting factors. |
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