Suntrust Bank Cd Rates by cny68055

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									                                                                                                                             NOVEMBER 9, 2010




Share Account*                                                                              Share Certificate***
                                                APR                   APY                   ($500 minimum balance required)
Share Savings                         0.25%                         0.25%                   Type & Term                                   APR                   APY
(Includes Holiday & Vacation Savings)                                                       3-5 Months                                   0.55%              0.55%
                                                                                            6-11 Months                                  0.85%              0.85%
IRA Share Savings                              1.00%                1.00%
                                                                                            12-17 Months                                 1.44%              1.45%
(Includes Traditional, Roth & Education)
                                                                                            18-23 Months                                 1.54%              1.55%
Share Draft Checking*                                                                       24-35 Months                                 1.64%              1.65%
(No minimum balance; no monthly                 APR                   APY                   36-47 Months                                 2.13%              2.15%
or per item fees)                               0.20%                0.20%                  48-59 Months                                 2.43%              2.45%
                                                                                            60 Months                                    2.53%              2.55%
Money Market Share Account**
Account Balance                                 APR                   APY                   Traditional, Roth, SEP & Education IRA Certificate***
$75,000 and above                              0.50%                0.50%                   ($1,000 minimum balance required)
$20,000 to 74,999.99                           0.40%                 0.40%                  Type & Term                                   APR                   APY
                                                                                            12-17 Months                                 1.54%              1.55%
$2,500 to $19,999.99                           0.30%                0.30%
                                                                                            18-23 Months                                 1.64%              1.65%
Monthly Dividend Certificate*                                                               24-35 Months                                 1.74%              1.75%
($5,000 minimum balance required)                                                           36-47 Months                                 2.23%              2.25%
Type & Term                                     APR                   APY
                                                                                            48-59 Months                                 2.53%              2.55%
24 Months                                      1.79%                1.80%
                                                                                            60 Months                                    2.62%              2.65%

  *Computed daily from the day of deposit to the day of withdrawal, paid and compounded monthly.
 **Computed daily from the day of deposit to the day of withdrawal, compounded daily and paid monthly.
***Computed daily from the day of deposit to the day of withdrawal, paid and compounded quarterly.


  Compare Our Rates & Earn More
                                                 Savings                  Checking                  MMA                  1 Yr CD****              5 Yr CD****
  Library of Congress FCU                    0.25% APY                  0.20% APY               0.50% APY              1.45% APY                2.55% APY
  Bank of America                            0.05% APY                  0.05% APY               0.10% APY              0.20% APY                0.96% APY
  Capital One Bank                           0.05% APY                  0.05% APY               1.10% APY              0.70% APY                1.90% APY
  M & T Bank                                 0.05% APY                  0.01% APY               1.14% APY              0.35% APY                0.75% APY
  PNC Bank                                   0.05% APY                  0.01% APY               0.10% APY              0.55% APY                1.60% APY
  SunTrust Bank                              0.05% APY                  0.05% APY               0.00% N/A              0.30% APY                1.25% APY
  Wachovia Bank                              0.05% APY                  0.05% APY               0.02% APY              0.15% APY                1.06% APY
  ****LCFCU offers IRA Certificate rates which exceed these stated rates. Comparison rates are based on data retrieved from DATATRAC and
      are provided as of October 22, 2010. Rates are subject to change without notice.


                    Your savings federally insured to at least $250,000 and backed by the
                                                                                                           We do business in accordance with the Federal Fair
                    full faith and credit of the National Credit Union Administration, an
                                                                                                           Housing Law and the Equal Credit Opportunity Act.
                    agency of the United States Government. Your IRA funds are sepa-
                    rately insured up to $250,000 by the NCUA.

            Madison Office: 101 Independence Ave., S.E., LM634, Washington, D.C. 20540-9997 | Fax: (202) 707-5643
      Mailing & Administrative Office: 8100 Professional Place, Suite 308, Hyattsville, Md. 20785-2229 | Fax: (202) 707-6418
                                (202) 707-5852 | (800) 32-LCFCU | lcfcu.org | culine@lcfcu.org
                                                                                                                                   NOVEMBER 9, 2010




PERSONALIZED LENDING                                                                         REAL ESTATE
Vehicles, New and Used                             Annual Percentage Rate*                   First Mortgage                                       Annual Percentage Rate
Autos, trucks, SUVs, motorcycles,                                                                    3-Year Adjustable, No Points
boats, RVs and motorhomes                                                                                15-Year term                                      3.00%
    Up to 144 months                                 3.35% - 16.35%**                                    30-Year term                                      3.25%
                                                                                                     Fixed Rate, 5/1 & 7/1                    (Call for daily rates and terms)
Second Chance Refinance
Refinance your new vehicle currently financed                                                Second Trust                                         Annual Percentage Rate
at another institution at our competitive rates.
                                                                                             Fixed Rate (90% appraised value less first trust)
     Up to 144 months                        3.35% - 16.35%**                                     60 months                                                5.00%
                                                                                                 120 months                                                6.00%
Auto Special                                                                                     180 months                                                6.25%
    Up to 60 months                                         2.75%*
    For select model vehicles                                                                Home Equity Line-of-Credit                           Annual Percentage Rate

                                                                                                     up to 80% of value          $100,000 plus    Prime†
Personal                                           Annual Percentage Rate*
                                                                                                     up to 90% of value          up to $100,000   Prime†
Unsecured loans for education, home improvements,
taxes, debt consolidation and other purposes                                                         up to 100% of value         up to $50,000  Prime† + 2
                                                                                             †
    Up to $50,000 for                                                                            Wall Street Journal current prime rate
    as long as 60 months                 7.80% - 17.90%**                                    (At no time will the rate go below the designated floor rate of 4.00% APR)


                                                                                             FHA Home Improvement                                   Annual Percentage Rate
MAX Line of Credit                                 Annual Percentage Rate*                   Up to $7,500
Up to $10,000                                        5.75% - 13.95%                              36 months                                                7.50%**
(Rates may adjust quarterly)                                                                     48 months                                                8.00%**
                                                                                                 60 months                                                8.50%**
*Your Personalized Lending credit decision will be based on your
 overall credit worthiness.                                                                  OTHER LOANS
**Personal, Vehicle and FHA Home Improvement rates may be
  eligible for discounts based on the following criteria:                                    VISA Credit Card                                     Annual Percentage Rate

Eligible Discount Critera                                        Rate Discount
                                                                                             Purchases                                                     9.75%
                                                                                             Cash Advance                                                  8.75%
     Direct Deposit of Net Check                                  0.25% APR
     Payroll Payment or Automatic Transfer                        0.25% APR
     $20,000 balance in Savings,                                                             StretchPay                                           Annual Percentage Rate
         Money Market or Share Certificates                       0.25% APR                  PayDay Alternative                                          18.00%
     Internet Loan Application                                    0.25% APR

Maximum rate discount on any individual loan is 0.50%. At no time will the rate              Savings Secured                                      Annual Percentage Rate
combined with applicable discounts go below the designated floor rate.                       Share 60 Months (to balance)                       Dividend Rate + 3.00%
Loan Payment Protection plans are available for all loans at a nominal cost.                 Certificate Term (to balance)                      Dividend Rate + 3.00%
This coverage is not required to qualify for any loan.                                       APR = Annual Percentage Rate
                                                                                             All rates are subject to change without notice

                     Your savings federally insured to at least $250,000 and backed by the                      We do business in accordance with the Federal Fair
                     full faith and credit of the National Credit Union Administration, an
                                                                                                                Housing Law and the Equal Credit Opportunity Act.
                     agency of the United States Government. Your IRA funds are separate-
                     ly insured up to $250,000 by the NCUA.

             Madison Office: 101 Independence Ave., S.E., LM634, Washington, D.C. 20540-9997 | Fax: (202) 707-5643
       Mailing & Administrative Office: 8100 Professional Place, Suite 308, Hyattsville, Md. 20785-2229 | Fax: (202) 707-6418
                                 (202) 707-5852 | (800) 32-LCFCU | lcfcu.org | culine@lcfcu.org

								
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