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Loan Rates
Effective as of: January 1st, 2010
Loan rates are expressed as Annual Percentage Rate (APR).
Car, Trucks and Vans 2007 and Newer
| Up to 36 Months Financing |
3.9% |
| Up to 48 Months Financing |
4.99% |
| Up to 60 Months Financing |
5.25% |
| Up to 72 Months Financing |
6.99% |
| Up to 84 Months Financing - minimum $20 K (new money) |
6.99% | |
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Car, Trucks and Vans 2005 and 2006 |
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| Up to 36 Months Financing |
5.75% |
| Up to 48 Months Financing |
5.75% |
| Up to 60 Months Financing |
6.99% |
Car, Trucks and Vans 2003 and 2004
| Up to 36 Months Financing |
6.50% |
| Up to 48 Months Financing |
7.05% |
| Up to 60 Months Financing |
7.25% |
Car, Trucks and Vans 2002 and Older
| Up to 48 Months Financing |
9.25% | |
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Motorcycles, Boats, Snowmobiles, Jet Skis, Campers 2006-2009 |
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| Up to 48 Months Financing |
8.25% |
| Up to 60 Months Financing; Up to $10,000.00 |
8.50% |
| Up to 84 Months Financing; $10,000.00 to $15,000.00 |
8.75% |
| Up to 120 Months Financing; $15,000.00 to $20,000.00 |
9.00% |
| Up to 144 Months Financing; $20,000.00 plus |
9.25% | |
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Collateral Older than 2006 - underwriting discretion
| Up to 48 Months Financing |
9.15% | |
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Personal/Signature Loans |
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| Up to 36 Months Financing |
10.00% |
| Up to 48 Months Financing |
10.50% |
| Up to 60 Months Financing |
11.50% |
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Home Equity Line of Credit Loan
| First Position on Mortgage-Up to 80% of Equity of Appraised Value |
3.25% |
| Second Position on Mortgage-Up to 80% of Equity of Appraised Value |
4.25% |
First Mortgage Fixed Rate with Gabriels in First Lien Position
| 30 YEAR |
Call for Current Rate |
| 20 YEAR |
Call for Current Rate |
| 15 YEAR |
Call for Current Rate |
Other Loans
| Revolving Line of Credit Loans |
12.00% |
| Overdraft Line of Credit Protection Loans |
18.00% |
| Share Secured Loans-24 Months or less |
6.00% |
| Share Secured Loans-36 Months of less |
7.00% |
| Visa Classic (APR for Purchases) |
13.90% |
| Visa Platinum (APR for Purchases) |
8.90% |
| CD Secured Loans = Your current CD rates plus 4.00% |
Varies | |
Loan rates are subject to change without notice. All rates are expressed as a BASE RATE. Your rate will be determined by your credit history, security offered and the term of the loan. A Financial Service Representative will let you know the rate that you qualify for, usually within 24 hours after reviewing your application documents. When a titled vehicle is use as security on a loan, proof of full coverage is to be supplied to the credit union by the member's insurance company.
Savings Rates
Effective as of March 25, 2009
Saving rates are expressed as Annual Percentage Yield (APY) and as Annual Percentage Rate (APR)
| Savings Program |
APY |
Interest Rate |
Minimum Balance |
| Primary Savings Account |
.25% |
.24% |
$100.00 |
| Christmas Account |
.25% |
.24% |
$100.00 |
| Wish/Vacation Account |
.25% |
.24% |
$100.00 |
| Individual Retirement Account |
1.50% |
1.49% |
$100.00 |
| Insured Money Market Account |
APY |
APR |
Minimum Balance |
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Insured Money Market Account Tier One
Insured Money Market Account Tier Two
Insured Money Market Account Tier Three |
0.40%
0.50%
0.85% |
0.40%
0.50%
0.85% |
$2,501 - $20,000
$20,001 - 75,000
$75,001 - Plus |
| Certificate of Deposit and IRA Certificate of Deposit |
APY |
Interest Rate |
Minimum Balance |
| Certificate of Deposit 9 Month Term |
1.25% |
1.24% |
$500.00 |
| Certificate of Deposit 1 Year Term |
1.40% |
1.39% |
$500.00 |
| Certificate of Deposit 15 Month Term |
1.45% |
1.44% |
$500.00 |
| Certificate of Deposit 2 Year Term |
1.50% |
1.49% |
$500.00 |
| Certificate of Deposit 3 Year Term |
2.00% |
1.98% |
$500.00 |
| Certificate of Deposit 4 Year Term |
2.25% |
2.23% |
$500.00 |
| Certificate of Deposit 5 Year Term |
2.75% |
2.71% |
$500.00 |
APY is a percentage reflecting total amount of a dividend paid on an account, based on the rate and the frequency of compounding for a 365 day period. This yield assumes a set amount is on deposit at the beginning of the dividend period, no deposits or withdrawal are made and all funds remain on deposit for one full year at the same rate. Interest rates are subject to change without notice.
Service Charges and Fees
Effective February 1, 2009
| NSF |
$27.00 |
| Draft Copies |
$7.00 per check |
| Statement Copies |
$1.00 per month |
| Courtesy Check (payee not the member) |
$2.00 |
| Certified Check |
$2.00 |
| Money Order |
$2.00 |
| Money Order Copies |
$7.00 |
| Stop Payment |
$27.00 |
| Return Item of Deposit |
$2700 |
| Wire Transfer-Domestic |
$20.00 |
| Wire Transfer-International |
$25.00 |
| Incoming Wire |
$10.00 |
| Overdraft Transfer |
$3.00 |
| Overdraft Line of Credit |
$3.00 |
| Visa Statement |
$1.00 |
| Visa Over-limit |
$15.00 |
| Visa Cash Advance-Classic |
$5.00 |
| Visa Cash Advance-Platinum |
$10.00 |
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Visa Lost Card Replacement |
$7.00 |
| ATM/Debit Card Replacement |
$7.00 |
| ATM/Debit Pin Reorder |
$3.00 |
| Charge Back Fee |
$30.00 |
| ATM Inquiry Fee |
$1.00 |
| ACH NSF Fee |
$27.00 |
| POS Debits |
No Charge |
| Overnight Mail |
$20.00 |
| Garnishment Order/Court Order |
$25.00 |
| Dormant Account |
$2.00 |
| Negative Account |
$3.00 |
| Early Account Closing- up to 6 months |
$5.00 |
| IRA Transfer Fee |
$20.00 |
| Third Party Payments |
$5.00 |
| Single Service Fee-(Check Cashing) |
$5.00 |
| Information Verification |
$3.00 |
| Returned Mail Fee |
$3.00 |
| Credit Report Request Fee |
$7.00 |
| Service Center Fee |
$3.00 |
| Subordination Agreements |
$50.00 |
| Mortgage/HELOC payoffs |
$25.00 |
| Fax Service-First Page |
$2.00 |
| Fax Service-Additional Pages |
$1.00 each |
| Research/Reconciliation Fee |
$20.00 per hour |
Gabriels Credit Union strives to maintain low fees on all services
so that our members may enjoy all of the services and products
that we offer.
Gabriels Community Credit Union
1901 E. Michigan Avenue
Lansing, Michigan
48912
(517) 484-0601
Fax: (517) 484-1448
dand@gabrielscu.com
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