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Deposit Rates
P.O. Box 7022—Downey, CA 90241
800.426.1917
Exclusive Rates for Southland Members www.SouthlandCU.org
Effective Date: May 23, 2012
Primary Savings & Holiday Club Account**
Account Type Annual Percentage Yield Dividend Rate Minimum Deposit Minimum Balance
Primary Savings .100% .100% $25 $25
Holiday Club .100% .100% $0 $0
Business Checking Account*
Account Type Annual Percentage Yield Dividend Rate Minimum Deposit Minimum Balance
Premium 0.100% 0.100% $0 $0
Money Market Account—rates based on balance
Account Type Annual Percentage Yield Dividend Rate Minimum Deposit Minimum Balance
Tier 1 0.000% 0.000% $0 $0
Tier 2 0.100% 0.100% $2,500 $2,500
Tier 3 0.150% 0.150% $10,000 $10,000
Tier 4 0.250% 0.250% $50,000 $50,000
Tier 5 0.300% 0.300% $100,000 $100,000
Tier 6 0.350% 0.350% $150,000 $150,000
IRA Account
Account Type Annual Percentage Yield Dividend Rate Minimum Deposit Minimum Balance
Tier I .100% .100% $0 $0
Health Savings Account
Account Type Annual Percentage Yield Dividend Rate Minimum Deposit Minimum Balance
Tier I .100% .100% $0 $0
FREE Super Checking Account* (account is no longer available)
Account Type Annual Percentage Yield Dividend Rate Minimum Deposit Minimum Balance
Qualified Rate 0.500% 0.499% $0 $0
Non-Qualified Rate 0.100% NCUA 0.100% $0 $0
Rates subject to change at any time without notice. Indicated rates are available to qualified Members. LENDER
NATIONAL CREDIT UNION EQUAL HOUSING BETTER BUSINESS BUREAU
ADMINISTRATION We do business in accordance with
Your savings federally insured to at 10 Check Card e f e d e r a l F a i and one ACH w a n d deposit, debit, or ePayment per month. Non-qualifying accounts
*To receive qualified rate and up to $20 in ATM fee reimbursement, accounts must have eStatements,least t h transactions, r H o u s i n g L a direct
MEMBER
$250,000 and backed by the full fees include Southland q a l C r e d i t O p p ofees.i Qualifying rate will be paid on balances up to $50,000. On balances over
will receive the non-qualified dividend rate and no ATM fee refunds will be paid. Reimbursed ATM faith and t h e E u out-of-network r t u n t y A c t .
credit of the United States Government
$50,000 the non-qualified dividend rate will be paid. National Credit Union Administration
(NCUA), a U.S. Government Agency.
**Minimum Deposit and Minimum Balance requirements waived for NEW Members opting to pay a Membership Entrance fee.
Your deposits are insured up to at least $250,000 ($250,000 for IRA Accounts). The National Credit Union Administration (NCUA), an agency of the U.S. Government, insures your deposits up to $250,000 ($250,000 for IRA
Accounts). See “Your Insured Funds” booklet issued by the NUCA for additional coverage for multiple accounts.
Primary Savings, Holiday Club, and Money Market Accounts are variable rate accounts and rates may change after the accounts are opened. Fees could reduce earnings on these accounts. For Term Share (Certificate)
Accounts, the Dividend Rate and APY (Annual Percentage Yield) set forth above would be paid for the Term shown. A substantial penalty will or may be imposed for early withdrawal. For purposes of this disclosure,
the Dividend Rate and Annual Percentage Yield were offered within the most recent seven (7) calendar days and were accurate as of the “Effective” date set forth above. Please call 800.426.1917 to obtain current rate
information.
NCUA
NATIONAL CREDIT UNION ADMINISTRATION EQUAL HOUSING LENDER BETTER BUSINESS BUREAU MEMBER
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the We do business in accordance with the federal Fair
United States Government National Credit Union Administration (NCUA), a U.S. Government Agency. Housing Law and the Equal Credit Opportunity Act.
Deposit Rates
P.O. Box 7022—Downey, CA 90241
800.426.1917
Exclusive Rates for Southland Members www.SouthlandCU.org
Effective Date: May 23, 2012
AcceleRate Share Certificates & IRA Share Certificates***
Term Annual Percentage Yield Dividend Rate Minimum Deposit Minimum Balance
6-Month 0.150% 0.150% $1,000 $1,000
1-Year 0.250% 0.250% $1,000 $1,000
Term Share Certificates & IRA Term Share Certificates***
Term Annual Percentage Yield Dividend Rate Minimum Deposit Minimum Balance
2-Year 0.350% 0.350% $1,000 $1,000
3-Year 0.650% 0.648% $1,000 $1,000
4-Year 0.950% 0.946% $1,000 $1,000
5-Year 1.300% 1.292% $1,000 $1,000
Jumbo AcceleRate Share Certificates & IRA Share Certificates***—Roth & Traditional
Term Annual Percentage Yield Dividend Rate Minimum Deposit Minimum Balance
6-Month 0.300% 0.300% $100,000 $100,000
1-Year 0.400% 0.400% $100,000 $100,000
Jumbo Term Share Certificates & IRA Share Certificates***—Roth & Traditional
Term Annual Percentage Yield Dividend Rate Minimum Deposit Minimum Balance
2-Year 0.500% 0.499% $100,000 $100,000
3-Year 0.800% 0.797% $100,000 $100,000
4-Year 1.100% 1.094% $100,000 $100,000
5-Year 1.450% 1.440% $100,000 $100,000
Rates subject to change at any time without notice. Indicated rates are available to qualified Members.
***Certificate and IRA Account Agreement and Disclosure
The Certificate and IRA Account Agreement and Disclosure is included in the Truth-in-Savings Disclosure.
Your deposits are insured up to at least $250,000 ($250,000 for IRA Accounts). The National Credit Union Administration (NCUA), an agency of the U.S. Government, insures your deposits up to $250,000 ($250,000 for IRA Accounts). See “Your Insured Funds” booklet issued by the NUCA for ad-
ditional coverage for multiple accounts.
Primary Savings, Holiday Club, and Money Market Accounts are variable rate accounts and rates may change after the accounts are opened. Fees could reduce earnings on these accounts. For Term Share (Certificate) Accounts, the Dividend Rate and APY (Annual Percentage Yield) set forth above
would be paid for the Term shown. A substantial penalty will or may be imposed for early withdrawal. For purposes of this disclosure, the Dividend Rate and Annual Percentage Yield were offered within the most recent seven (7) calendar days and were accurate as of the “Effective” date set forth
above. Please call 800.426.1917 to obtain current rate information.
Consumer Loans
P.O. Box 7022—Downey, CA 90241
800.426.1917
“Preferred” Consumer Loan Rates & Estimated Payments www.SouthlandCU.org
Indicated rates are available to qualified Members. Other rates may apply based on credit profile.
Effective Date: May 23, 2012
Vehicles
APR1 APR1
Account Type with Autopay without Autopay Payment/$1000 Maximum Terms2 Advance Policy3
New 2.49% 2.74% $28.86 36 Months (3 yrs) 120% MSRP
Used 2.74% 2.99% $28.97 36 Months (3 yrs) 120% RNADA
New 2.49% 2.74% $21.91 48 Months (4 yrs) 120% MSRP
Used 2.74% 2.99% $22.02 48 Months (4 yrs) 120% RNADA
New 2.99% 3.24% $18.64 60 Months (5 yrs) 120% MSRP
Used 3.24% 3.49% $18.75 60 Months (5 yrs) 120% RNADA
New 3.24% 3.49% $15.98 72 Months (6 yrs) 120% MSRP
Used 3.49% 3.74% $16.10 72 Months (6 yrs) 120% RNADA
New 5.24% 5.49% $14.25 84 Months (7 yrs) 120% MSRP
Used 5.49% 5.74% $14.37 84 Months (7 yrs) 120% RNADA
Motorcycles—Personal Watercraft
APR1 APR1
Account Type with Autopay without Autopay Payment/$1000 Maximum Terms2 Advance Policy3
New 9.49% 9.74% $16.34 84 Months (7 yrs) 110% MSRP
Used 9.74% 9.99% $16.47 84 Months (7 yrs) 110% Wholesale
Boats—Motor Homes—Travel Trailers
APR1 APR1 Payment/$1000
Account Type with Autopay without Autopay (120 month loan) Maximum Terms Advance Policy3
New 8.75% 9.00% $12.55 180 Months (15 yrs) 90% MSRP
Used 9.00% 9.25% $12.68 180 Months (15 yrs) 90% Wholesale
Signature Loans—Personal Lines of Credit (Overdraft Protection)
Payment/$1000 Advance Policy
Account Type APR1 (60 month loan) Maximum Terms ($1,000 Min)
Signature Loans 12.49% $22.51 60 Months (5 yrs) 100%
Credit Line/Overdraft 12.49% $22.51 N/A As Needed
Share—Certificate Secured Loans
Account Type APR1 Advance Policy
Share Secured Loan 3.50% + Current Share Rate $500 Minimum
Certificate Secured Loan 3.50% + Certificate Rate $500 Minimum
Certificate Secured Line of Credit 3.50% + Certificate Rate N/A
Rates subject to change at any time without notice. Indicated rates are available to qualified Members. Other rates may apply based on credit profile.
1. APR = Annual Percentage Rate. Autopay must be from a Southland Checking or Money Market Account to receive the deduction (.25%). All APRs shown are calculated at a
$10,000 loan amount. HELOC’s and HELP’s are calculated on $100,000 loan amount.
2. Vehicles valued over $25,000 financed up to 84 months (on approved credit); otherwise, maximum term is 72 months.
3. MSRP=Manufacturer’s Suggested Retail Price; RNADA=Retail National Automotive Dealers Association; Wholesale=Wholesale Market Value.
Home Equity Rates P.O. Box 7022—Downey, CA 90241
800.426.1917
“Preferred” Home Equity Loans &
HELOC (Home Equity Line of Credit) Rates www.SouthlandCU.org
Effective Date: May 23, 2012
Home Equity Line of Credit—(HELOC)
Introductory Introductory
Account Type Rate5 Period6 Variable Index Closing Cost Advance Policy APR4
HELOC --- --- 3-Month Appraisal, Title, Up to
80% LTV 3.751%
Average of Recording, Flood,
2-year Treasury Processing
Note (Average ~$350)
Home Equity Loan Program—(HELP)
Term <80% LTV Payment/$1,000 APR4
15 years $8.71 6.500%
30 Years 7 $6.32 6.598%
Rates subject to change at any time without notice. Indicated rates are available to qualified Members. Other rates may apply based on credit profile.
4. APR = Annual Percentage Rate. All APRs shown are calculated at a $10,000 loan amount. HELOC’s and HELP’s are calculated on $100,000 loan amount.
5. Current Index is 0.250%+3.50%=3.750% for 80% LTV. Other rates may apply based on credit. Lifetime cap of 5% over fully indexed start rate.
6. After introductory period (if applicable), the interest rate adjusts each calendar quarter to the fully indexed rate, which is the index (3 mo. moving average of the 2-year
US Treasury Note) + margin. (see #5)
7. HELP rates for terms greater than 15 years include 1 point. Add 0.50% for the zero point rate.
