Loans Oregon Community Credit Union

Document Sample
Loans Oregon Community Credit Union Powered By Docstoc
					                                                                                                                  Loan Services Rate & Fee Schedule
                                                                                                                        Effective June 1, 2012
This Schedule is intended for informational purposes only. Loan programs and rates are subject to change without notice, and this sheet does not serve as a guarantee of loan programs, rates, fees, credit approval,
or conditions that may apply.
                                                                                                                                                                                       ANNUAL
  Product                                    Description                                                                                                                               PERCENTAGE
                                                                                                                                                                                       RATE (APR)
Real Estate Loans
  Conventional First Mortgages               10, 15, 20, and 30 year fixed and adjustable APR mortgages available. Standard Fees apply.                                               Call for current rates
  Flexible Home Equity                       Variable APR based on the Prime Rate (published in the Wall Street Journal), plus/minus a margin. Option to
  Line-of-Credit                             convert up to five advances (at a time) to a fixed rate. Minimum APR is 3.99%, maximum APR is 18%.                                            3.99% -- 7.75%
  (Loan Amounts up to $417,000)              Estimated closing costs may be $250 to $2300 depending on amount of loan.
                                             A low-interest alternative to private student loans. Fix a portion of your home equity line of credit at 0.50% below
  Flexible Home Equity                       the fixed rate home equity line of credit fixed rate APR currently in effect (based on the approved rate tier and LTV
  Loan:                                      of your home equity line of credit) at the time you request this option. Selection of this option would count as one                          3.49% -- 11.25%
  Education Equity Option                    of the stated number of fixed rate partitions you may have on your loan at any one time. No additional fees or
                                             costs are associated with this option.
Vehicle Loans
                                             Purchase or refinance of non Oregon Community Credit Union debt (external). If Oregon Community Credit Union
  New or Used Vehicle Loan                                                                                                                                                            New 1.99% -- 15.99%
                                             debt (internal) add .50%. Fixed APR; your APR will be based on your credit qualifications, length of loan, and loan
  (Loan Amounts up to $200,000)                                                                                                                                                       Used 2.25% -- 16.49%
                                             amount. Other exclusions and/or restrictions may apply.
  New or Used RV Loans                       Purchase or refinance. RV’s also include boats, motorcycles, and others. Fixed APR; your APR will be based on
                                                                                                                                                                                      New 6.50% -- 13.75%
  (Loan Amounts up to $200,000 -             your credit qualifications, length of loan, and loan amount. Loan repayment schedules up to 15 years. Other
                                                                                                                                                                                      Used 6.75% -- 14.00%
  $100K for Boats)                           exclusions and/or restrictions may apply.

                                              Approved APR will be 0.25% higher than the above APRs if you do not have autopay from your Oregon Community CU checking account
                                               or ACH payment from another financial institution.
  All New & Used Vehicle &                    Approved APR will be 0.25% higher than the above APRs if you do not receive your monthly statement via eStatements.
  RV Loans
  (Excludes CUDL loans)                       You may receive a rate increase (not discount) of 0.25% if you do not have autopay from your Oregon Community CU checking account or
                                                ACH payment from another financial institution or if you do not receive your monthly statement via eStatements.
                                              New vehicles are classified as model years 2011 or newer.
Other Loans
  Personal Credit Line                       Variable APR based on the Prime Rate (published in the Wall Street Journal), plus a margin.                       Minimum APR is
                                                                                                                                                                                      9.00% -- 18.00%
  (Credit Lines up to $50,000)               9.00%. APR is based on your credit qualifications.
                                                                                                                                                                                      Purchase 7.49% --
                                                                                                                                                                                      19.99%
  Credit Card                                Variable APR based on the Prime Rate (published in the Wall Street Journal), plus a margin.                      APR is based on
                                                                                                                                                                                      Cash Advance 12.49%
  (Credit Lines up to $50,000)               your credit qualifications.
                                                                                                                                                                                      --24.99%

                                                                                                                                                                                      2% above Certificate
  Certificate-Secured                        Variable APR. Maximum loan repayment schedule is the certificate term.
                                                                                                                                                                                      Account Rate (not APY)
                                                                                                                                                                                      2% above Share
  Share-Secured Loans                        Variable APR. Maximum loan repayment schedule is 72 months.
                                                                                                                                                                                      Account Rate (not APY)




Prime Rate: 3.25% (April 2011)




Unsolicited Emails and Telephone Calls
Oregon Community Credit Union never sends emails or makes unsolicited telephone calls asking for your personal information. While we do contact members via telephone and email
regarding service and to respond to individual requests, we will never ask for personal information like ATM & Debit Card PIN numbers, or Internet Banking passwords. Additionally,
while we do respond to individual member requests via email, we do not send mass unsolicited emails. The safety of your personal information is paramount and we encourage you to
be vigilant about guarding your personal and financial information carefully. If you have any questions or concerns about any suspicious communication from Oregon Community
Credit Union, rather than provide any information, please do not hesitate to contact us by calling one of our regular telephone numbers noted at the bottom of this page

                                                                                                    Page 1 of 2
                    The rates appearing in this schedule are accurate and effective for Loan Services as of the Effective Date indicated herein. If you have any questions or require current rate information, please
                    call the Credit Union at 541.687.2347 (Eugene), 503.588.2347 (Salem), 503.295.2347 (Portland), or 800.365.1111. You may also obtain this information on our website at
                    www.OregonCommunityCU.org. Federally Insured by NCUA.
Consumer Deposit Accounts Fee Disclosure (For currently offered accounts only)
Membership Fee Information                                                                           Card Fees                                                                                                    Miscellaneous Fees
Par value of Membership Share (One Share) ............................... $5.00                      VISA Check Card Annual ................................................................. Free                Cashier’s Check ................................................................................ $2.00
                                       Minimum Deposit Requirement                                   ATM Card Annual ........................................................................... $10.00           Cashier’s Check Stop Payment (per item) ..................................... $25.00
Membership ................................................................................. $5.00   Replacement Card Fee (per card) .................................................... $5.00                   Western Union Money Order (domestic) ......................................... $30.00
Early Membership Closure (90 days or less).............................. $10.00                      Expedite Card (Domestic) ............................................................... $30.00              Western Union Money Order (International) ................................. $65.00+
                                                                                                     Expedite Card (International) .......................................................... $45.00                                                                              2% of Money Order amount
Account Service Fees
                                                                                                     ATM Withdrawals (at non-CO-OP ATMs)**........................................ $1.00                          Fax requests ..................................................................................... $5.00
Primary Savings Account ............................................................. $1.00
                                                                                                                                                                                                                  Fed Ex requests .......................................................................Actual Cost
 Only Charged at month end if available balance is below $50.00 and                                  Safe Deposit Box Annual Fees
                                                                                                                                                                                                                  Wire Transfer (All Incoming) ............................................................. $5.00
 have no other accounts on file.                                                                     2 X 5 (Downtown Branch only) ...................................................... $30.00
                                                                                                                                                                                                                  Wire Transfer (outgoing, domestic) ................................................. $25.00
PaperFree Checking Non-Qualification ........................................ $8.00                  3 X 5 ..................................................$35.00            5 X 5 ................ $45.00
                                                                                                                                                                                                                  Wire Transfer (outgoing, foreign) .................................................... $50.00
 Only charged if you un-enroll in eStatements                                                        3 X 10 ................................................$50.00             5 X 10 ............... $65.00
                                                                                                                                                                                                                  Wire Transfer Trace (foreign) ......................................................... $25.00
Simplicity Checking Account Service ........................................... $5.00                10 X 10 .......................................................................................... $105.00
                                                                                                                                                                                                                  Wire Amendment/update/Correction (foreign) ................................. $15.00
Basic Checking Account Service .................................................. $8.00              Lost One Key................................................................................... $20.00
                                                                                                                                                                                                                  International Wire Returned…………………………………………….$25.00
                                                                                                     Key Deposit ....................................................................................... $2.00
Checking Account Fees                                                                                                                                                                                             International Wire Recall ……………………………………………….$25.00
                                                                                                     Box Drilling Fee ....................................................................... Actual Cost
Returned Deposited Check ........................................................ $10.00                                                                                                                          International Wire Currency Cancellation……………………………..$50.00
                                                                                                     Safe Deposit Box Late .................................................................... $25.00
If on member’s account at another institution .............................. $25.00                                                                                                                               International Draft ................................................... $15.00 plus FedEx fee
Check Copy Fees (per item)                                                                           ACH Fees                                                                                                     International Draft Stop Payment ..................................................... $25.00
   Check drawn on your Checking Account................................... $5.00                     Returned Item ................................................................................. $25.00       Collection (Domestic/International) Items .................................Actual Cost
   Check not drawn on OR Community CU ................................. $10.00                                        (If returned from member’s account at another institution)                                  Foreign Check Deposit (each item) .........................................Actual Cost
   Any Check deposited at ATM or Shared Branch                                                       Non-Sufficient Funds (NSF)/Overdraft*............................................ $25.00                     Foreign Currency Deposit (per type) ........................................Actual Cost
   Location…………………………………………………………….$10.00                                                                                               (If funds not available in credit union account)                          Foreign Check Returned Item (per item).......................................... $25.00
Member Check Replacement ....................................................... $5.00               ACH By Telephone+++.................................................................... $15.00               Inactive (Dormant) Account (per month)+ ......................................... $7.00
Statement Copy Fee (per month) ................................................. $5.00                                                                                                                            Garnishment/Levy Processing ........................................................ $50.00
                                                                                                     Bill Pay Service Fees
                                                                                                     Monthly or Per Transaction Charge .................................................... Free                  Check Cashing (per item) ++ ............................................................. $5.00
Account Research/Reconciliation (per hour) .............................. $25.00                                                                                                                                  Bad Address (monthly fee) .............................................................. $5.00
                                                                                                     Stop Payment Request (per item) ................................................... $15.00
Printed Checks ....................................... Prices and plan details vary—                                                                                                                              Verification of Deposit (per request) .................................................. Free
                                                                                                     Check Copy (per item) ..................................................................... $5.00
                                             see Teller or Branch Representative                                                                                                                                  Internet Banking External Transfer Failed Transfer ........................ $25.00
                                                                                                     Transaction Modification (per item) ................................................ $25.00
Non-Sufficient Funds (NSF)/Overdraft * ...................................... $25.00                                                                                                                              Internet Banking External Transfer Improper Verification ............... $25.00
Extended Overdraft * .................................................................. $25.00
Manual Clearing (if applicable) ................................................. $12.00
Stop Payment/Postdated Item Request (each) .......................... $25.00
Temporary Checks (per page of 3 checks) ................................... $2.00

*Applies to overdrafts created by check, in person withdrawal, ATM withdrawal, Bill Pay, preauthorized automatic debits or transfers, ACH, Point of Sale, or other electronic means.
** If you use an ATM that is not operated by Oregon Community CU or is not part of the CO-OP Network, you may be charged an ATM surcharge by the ATM operator or an ATM network utilized for such a                                                                                              transaction. The
    ATM surcharge will be debited from your account if you complete the transaction.
+ Assessed to any Credit Union account available to pay the monthly inactive account fee and there has been no activity for 12 months on all accounts under that membership.
++ Fee is charged per item when the member only maintains one account type (savings) with the credit union.
+++ Fee is charged per item when you initiate an ACH transaction to be sent by the Credit Union to another financial institution via telephone.


Consumer Loan Accounts Fee Disclosure (For currently offered loan programs.                                                            Fees are not all inclusive—for a complete list of fees see your loan agreement)

Loan Fees                                                                                Home Equity Fees                                                                                Personal Credit Line Fees                                          Credit Card Fees
Loan Application…$0                                                                                                                                                                      Overlimit…$15.00
                                                                                         Home Equity Line-of-Credit Origination…$100.00                                                                                                                     Cash Advance Fee…$10 or 3% of the
Consumer Loan Late Payment…$25.00                                                                                                                                                        Late Payment…$25.00
                                                                                         Home Equity Line-of-Credit Annual **…$100.00                                                                                                                       amount of each cash advance,
Credit Union Direct Lending (CUDL) Late Payment…5% of                                                                                                                                    Fixed Rate Advance…$25.00
                                                                                         Fixed Rate Advance…$25.00                                                                                                                                          whichever is great.
the payment amount due (no minimum)
                                                                                         Home Equity Account Late Payment…5% of the
Loan Payment Deferment/Skip-A-Pay *…$25.00                                                                                                                                                                                                                  Balance Transfer Fee…$10 or 3% of the
                                                                                         minimum payment ($15.00 minimum)
                                                                                                                                                                                                                                                            amount of each balance transfer,
                                                                                                                                                                                                                                                            whichever is greater.
                                                                                                                                                                                                                                                            Foreign Transaction Fee…Up to 1% of
                                                                                                                                                                                                                                                            the US dollar amount of the foreign
                                                                                                                                                                                                                                                            transaction.
                                                                                                                                                                                                                                                            Late Payment Fee…Up to $25.
                                                                                                                                                                                                                                                            Returned Payment Fee…Up to $25.
*FINANCE CHARGE
** Home Equity LOC Annual fee waived with continuously open checking account.
*** May be waived if you paid all loan fee and closing costs at loan account opening.

Business Deposit Accounts Fee Disclosure (For currently offered accounts only)
Membership Fee Information                                                                           Card Fees                                                                                                    Miscellaneous Fees
Par value of Membership Share (One Share) ............................... $5.00                      VISA Check Card Annual .................................................................. Free               Cashier’s Check ................................................................................ $2.00
                                         Minimum Deposit Requirement                                 ATM Card Annual ............................................................................ $10.00          Cashier’s Check Stop Payment (per item) ...................................... $25.00
Membership ................................................................................. $5.00   Replacement Card (per card) ........................................................... $5.00                Western Union Money Order (domestic) ........................................ $30.00
Early Membership Closure (90 days or less).............................. $10.00                      Expedite Card (Domestic) ............................................................... $30.00              Western Union Money Order (International) ................................. $65.00+
                                                                                                     Expedite Card (International) ........................................................... $45.00                                                                             2% of Money Order amount
Account Service Fees
                                                                                                     ATM Withdrawals (at non-CO-OP ATMs)** ....................................... $1.00                          Fax requests ..................................................................................... $5.00
Savings Account .......................................................................... $1.00
                                                                                                                                                                                                                  Fed Ex requests ....................................................................... Actual Cost
   Only Charged at month end if balance is below $50.00 and have no                                  Safe Deposit Box Annual Fees
                                                                                                                                                                                                                  Wire Transfer (All Incoming) ............................................................. $5.00
                                                                   other accounts on file.           2 X 5 (Downtown Branch only) ...................................................... $30.00
                                                                                                                                                                                                                  Wire Transfer (outgoing, domestic) ................................................ $25.00
Account Service ............................................................................ $5.00   3 X 5.................................................. $35.00            5 X 5 ................ $45.00
                                                                                                                                                                                                                  Wire Transfer (outgoing, foreign) .................................................... $50.00
                                                       Applies to Business Checking                  3 X 10................................................ $50.00             5 X 10 ............... $65.00
                                                                                                                                                                                                                  Wire Transfer Trace (foreign) ......................................................... $25.00
                                                                                                     10 X 10 .......................................................................................... $105.00
Checking and Account Fees                                                                                                                                                                                         Wire Amendment/update/Correction (foreign) ................................ $15.00
                                                                                                     Lost One Key .................................................................................. $20.00
Checks written over 50 per month (per item) ................................ $0.15                                                                                                                                International Wire Returned…………………………………………….$25.00
                                                                                                     Key Deposit ....................................................................................... $2.00
Deposit Correction Fee ................................................................. $1.00                                                                                                                    International Wire Recall ……………………………………………….$25.00
                                                                                                     Box Drilling ...............................................................................Actual Cost
Non-Sufficient Funds (NSF)/Overdraft* ....................................... $25.00                                                                                                                              International Wire Currency Cancellation……………………………..$50.00
                                                                                                     Safe Deposit Box Late ..................................................................... $25.00
Extended Overdraft* ................................................................... $25.00                                                                                                                    International Draft....................................................$15.00 plus FedEx fee
Manual Clearing (if applicable) ................................................... $12.00           ACH Fees                                                                                                     International Draft Stop Payment .................................................... $25.00
Returned Deposited Check Fee (per item) ................................. $10.00                     Returned Item ................................................................................. $25.00       Collection (Domestic/International) Items ................................. Actual Cost
   If on member’s account at another institution. ........................ $25.00                                     (If returned from member’s account at another institution)                                  Foreign Check Deposit (each item) ......................................... Actual Cost
   (returned check fee can be charged twice per item)                                                Non-Sufficient Funds (NSF)/Overdraft* ........................................... $25.00                     Foreign Currency Deposit (per type) ....................................... Actual Cost
Check Copy Fees (per item)                                                                                                              (If funds not available in credit union account)                          Foreign Check Returned Item (per item) ......................................... $25.00
   Check drawn on your Checking Account ................................ $5.00                       ACH By Telephone +++ .................................................................. $15.00               Inactive (Dormant) Account (per month)+ ......................................... $7.00
   Check not drawn on OR Community CU................................ $10.00                         Safe Deposit Box Late ..................................................................... $25.00           Garnishment/Levy Processing ........................................................ $50.00
   Any Check deposited at ATM or Shared Branch                                                                                                                                                                    Check Cashing (per item) ++ ............................................................ $5.00
                                                                                                     Bill Pay Service Fees
   Location……………………………………………………………$10.00                                                                                                                                                                          Bad Address (monthly/charged to savings) ...................................... $5.00
                                                                                                     Monthly or Per Transaction Charge .................................................... Free
                                                                                                     Stop Payment Request (per item) ................................................... $15.00                   Verification of Deposit (per request) ...................................................Free
Member Check Replacement ....................................................... $5.00                                                                                                                            Internet Banking External Transfer Failed Transfer ........................ $25.00
                                                                                                     Check Copy (per item) ...................................................................... $5.00
Stop Payment/Postdated Item Request (each) ........................... $25.00                                                                                                                                     Internet Banking External Transfer Improper Verification ................ $25.00
                                                                                                     Transaction Modification (per item) ................................................. $25.00
Statement Copy (per month) ......................................................... $5.00
Account Research/Reconciliation (per hour) .............................. $25.00
Printed Checks .................... Prices vary—see Teller or Representative
Temporary Checks (per page of 3 checks) .................................. $2.00
*Applies to overdrafts created by check, in person withdrawal, ATM withdrawal, Bill Pay, preauthorized automatic debits or transfers, ACH, Point of Sale, or other electronic means
**If you use an ATM that is not operated by Oregon Community CU or is not part of the CO-OP Network, you may be charged an ATM surcharge by the ATM operator or an ATM network utilized for such a transaction. The ATM
  surcharge will be debited from your account if you complete the transaction.
+Assessed to any Credit Union account available to pay the monthly Inactive Account fee when there has been no activity for 12 months on all accounts under the membership.
++Fee is charged per item when the member only maintains one account type (savings) with the credit union.
+++ Fee is charged per item when you initiate an ACH transaction to be sent by the Credit Union to another financial institution via telephone.




                                                                                                                  Page 2 of 2
                 The rates and fees appearing in this schedule are accurate and effective for all Accounts as of the Effective Date indicated herein. If you have any questions or require current rate and fee information on your accounts,
                 please call the Credit Union at 541.687.2347 (Eugene), 503.588.2347 (Salem), 503.295.2347 (Portland), or 800.365.1111. You may also access this information on our website at www.OregonCommunityCU.org.
                 Federally insured by NCUA.
Business Loans Fee Disclosure (For currently offered loan programs.                   Fees are not all inclusive—for a complete list of fees see your loan agreement)

Loan Fees                                                                                                               Personal Credit Line Fees
Loan Application ..........................................................$25.00                                       Overlimit ......................................................................... $15.00
Business Loan Late Payment......................................$25.00                                                  Late Payment ................................................................. $25.00
                                                                                                                        Fixed Rate Advance ....................................................... $25.00




                                                                                                               Page 2 of 2
              The rates and fees appearing in this schedule are accurate and effective for all Accounts as of the Effective Date indicated herein. If you have any questions or require current rate and fee information on your accounts,
              please call the Credit Union at 541.687.2347 (Eugene), 503.588.2347 (Salem), 503.295.2347 (Portland), or 800.365.1111. You may also access this information on our website at www.OregonCommunityCU.org.
              Federally insured by NCUA.

				
DOCUMENT INFO
Categories:
Tags:
Stats:
views:1
posted:6/26/2012
language:
pages:3
jolinmilioncherie jolinmilioncherie http://
About