Share Accounts

Share Accounts
Balance
Dividend
Rate
APY
$100,000 - and over 0.25% 0.25%
$50,000 - $99,999 0.25% 0.25%
$20,000 - $49,999 0.25% 0.25%
$5,000 - $19,999 0.25% 0.25%
$500 - $4,999 0.25% 0.25%
$250 - $499 0.25% 0.25%
Under $250 0.00% 0.00%
     
Money Market Accounts
Description
Dividend
Rate
APY
$100,000 and over 2.23% 2.25%
$50,000 - $99,999 1.98% 2.00%
$20,000 - $49,999 1.49% 1.50%
$5,000 - $19,999 1.24% 1.25%
     
Fees:
$25 per month if daily balance fall below $5,000
$25 per occurrence, for transactions not allowed (as stated in Account Agreement)
Cash Management Accounts
Balance
Dividend
Rate
APY
$2,000 and over 1.00% 1.00%
$50 - $1,999
0.25%
 0.25%
 Under $50
 0.00%
 0.00%
Youth Savings
Description
Dividend
Rate
APY
Marty Moose 0.25% 0.25%
Student Plus 0.25% 0.25%
     
Other Accounts
Description
Dividend
Rate
APY
Passbook IRA ($5 and over) 1.00% 1.00%
Clubs (no minimum) 0.25% 0.25%

Share Certificate and IRA Certificate Accounts

Share & IRA Certificate Special
Term
Balance
Dividend
Rate
APY
8 Months $500 and Over 3.93% 4.00%
14 Months $500 and Over 3.93% 4.00%

Share & IRA Certificates
Term
Balance
Dividend
Rate
APY
6 Months $500 and Over 2.47% 2.50%
1 Year $500 and Over 2.57% 2.60%
2 Years $500 and Over 2.72% 2.75%
3 Years $500 and Over 2.91% 2.95%
4 Years $500 and Over 3.11% 3.15%
5 Years $500 and Over 4.65% 4.75%

Automobile Rates*
Model Year
Term
APR
2007 and newer 24 Months 5.25%
  To 72 Months 6.99%
2005- 2006 24 Months 5.75%
  To 66 Months 6.75%
2003- 2004 24 Months 7.49%
  To 60 Months 7.75%
2002 24 Months 7.75%
  To 48 Months 7.99%
2001 24 Months 7.75%
  To 36 Months 7.75%
2000 24 Months 7.75%
*Minimum amount financed for 72 month term is $20,000.
Rates applicable for vehicles with less than 100,000 miles.

Recreational Vehicle Rates*
Amount Financed
Maximum Term
APR
$50,001 - and Over
 144 Months 8.49%
$25,001 - $50,000
 144 Months 8.49%
$15,001 - $25,000 120 Months 8.75%
$10,001 - $15,000 84 Months 8.99%
$2,000 - $10,000 60 Months 8.99%

Home Equity Lines of Credit*
Loan to Value
APR
80% Prime Rate
   
Prime Rate is currently 4.00%

Mortgage Rates*
Mortgage Type
Term
Rate
APR
Conv. Adjust. Rate (1 year) 30 years with 0 points
Rates Change Daily
  30 years with 1 points
Rates Change Daily
  30 years with 2 points
Rates Change Daily
 
 Adjustable rate mortgage index is the Average U.S. Treasury Rate Adjusted to a Constant Maturity of 1 Year Rate Changes Weekly).
Conv. Fixed Rate
 15 years Rates Change Daily
 
 20 years Rates Change Daily
  30 years Rates Change Daily
Fixed Rate Home Equity 5 years Rates fluctuate daily.
Please ask about our Current rates.
  10 years
  15 years
Seasonal Property 10 years with 1 point 13.00% 13.26%
  20 years with 1 point 13.25% 13.42%
Mobile Homes 15 years with 1 point 13.75% 13.95%
  20 years with 1 point 14.00% 14.17%
Land Loans Up to 12 years with 1 point 11.00% 11.25%

Rates effective as of 10/30/2008

The rates and yields appearing on this page are accurate and effective for accounts as of the date indicated. If you have any questions or require current rate information on your accounts, please contact
Ocean Communities FCU.

This page is for information only and not advertisement for credit. It is provided by Ocean Communities FCU as a courtesy and is subject to change without notice.

APR - Annual Percentage Rate
APY - Annual Percentage Yield

* Rates and approvals are subject to credit history.