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Envision Rates
Click here for a glossary of terms.
First Mortgage Rates
| Loan Name |
Interest Rate |
APR |
Origination Fee/Points |
| Loan Name |
Interest Rate |
APR |
Origination Fee/Points |
Loan Rates
New Cars, Trucks, Vans, SUV's, Boats, and RV's
| Approximate Loan Term |
Annual Percentage Rate (APR)
|
| Up to 24 Months |
As low as 4.65% APR |
| Up to 36 Months |
As low as 4.75% APR |
| Up to 48 Months |
As low as 5.00% APR |
| Up to 60 Months |
As low as 5.25% APR |
| Up to 72 Months |
As low as 5.75% APR |
| Up to 84 Months |
As low as 6.00% APR |
Used Cars, Trucks, Vans, SUV's, Boats, and RV's
| Approximate Loan Term |
Annual Percentage Rate (APR)
|
| Up to 24 Months |
As low as 5.15% APR |
| Up to 36 Months |
As low as 5.25% APR |
| Up to 48 Months |
As low as 5.50% APR |
| Up to 60 Months |
As low as 5.75% APR |
| Up to 72 Months |
As low as 6.25% APR |
| Up to 84 Months |
As low as 6.50% APR |
Home Improvement Projects
| Approximate Loan Term |
Annual Percentage Rate (APR) |
| Up to 120 Months |
As low as 7.50% APR |
| Up to 60 Months |
As low as 5.50% APR |
| Up to 84 Months |
As low as 6.50% APR |
The annual percentage rate (APR) you pay will be based
on the number of months your loan is financed,
the type and your credit history. The APR
will be disclosed prior to an advance being
made on a loan. Rates are subject to change.
Loan terms may vary based on value and type
of collateral.
Deposit Rates
Membership
Share (Suffix 0)
Savings
Accounts:
Special Savings (Suffix 1 & 2), Christmas/Holiday
Club (Suffix 8), Summer Paycheck/Vacation
(Suffix 9)
|
| |
Annual % Yield |
Dividend Rate |
Minimum Balance |
| Tier 1 |
0.2500% |
0.2500% |
$100.00 |
| Tier 2 |
0.6500% |
0.6500% |
$1,000.00 |
| Tier 3 |
1.2600% |
1.2500% |
$2,000.00 |
| Sterling
Fund Money Market Accounts (Suffix
3,5)
|
| |
Annual % Yield |
Dividend Rate |
Minimum Balance |
| Tier 1 |
.65% |
.65% |
$500.00 |
| Tier 2 |
1.31% |
1.30% |
$2,000.00 |
| Tier 3 |
2.02% |
2.00% |
$10,000.00 |
Sterling
Plus Fund Market Accounts (Suffix
3,5)
Monthly fee charged for balances under $25,000.00
|
| |
Annual % Yield |
Dividend Rate |
Minimum Balance |
| Tier 1 |
1.31% |
1.30% |
$2,000.00 |
| Tier 2 |
2.27% |
2.25% |
$10,000.00 |
| Tier 3 |
2.17% |
2.15% |
$25,000.00 |
| |
Annual % Yield |
Dividend Rate |
Minimum Balance |
| Tier 1 |
2.02% |
2.00% |
$100.00 |
| Tier 2 |
3.15% |
3.10% |
$2,500.00 |
| Tier 3 |
3.20% |
3.15% |
$5,000.00 |
| Tier 4 |
3.30% |
3.25% |
$10,000.00 |
Certificate of Deposit (CD)
Certificates of Deposit
(CDs)
We offer a variety of CD terms, along with
competitive rates. Be sure to check the rates
and terms below.
|
| COD |
APY |
APR |
Minimum Balance |
Term |
Interest Penalty |
| 48MCD or IRA48 |
3.51% |
3.45% |
$500.00 |
45-51 months |
182 days |
| 36MCD or IRA36 |
3.41% |
3.35% |
$500.00 |
33-39 months |
182 days |
| 24MCD or IRA24 |
3.30% |
3.25% |
$500.00 |
21-27 months |
91 days |
| 12MCD or IRA12 |
3.20% |
3.15% |
$500.00 |
9-15 months |
91 days |
| 6MCD or IRA6 |
3.15% |
3.10% |
$1,000.00 |
6 months |
31 days |
| 3MCD or IRA3 |
2.02% |
2.00% |
$1,000.00 |
3 months |
31 days |
Checking Accounts
| Suffix 4, 7 |
APY |
APR |
Minimum Balance |
| Tier 1 |
0.10% |
0.10% |
$1,000.00 |
| Tier 2 |
0.20% |
0.20% |
$2,500.00 |
| Tier 3 |
0.30% |
0.30% |
$5,000.00 |
Credit Cards
| Envision Credit Union |
VISA |
VISA Platinum |
| Annual
Percentage Rate for Purchases |
11.90 % |
8.50 % |
| Grace
Period For Repayment Of The Balance For Purchases |
25 Days (Note): Finance charges are assessed on all cash advances. |
25 Days (Note): Finance charges are assessed on all cash advances. |
| Method
Of Computing The Balance For Purchases |
Average daily balance (including new purchases) |
Average daily balance (including new purchases) |
| Annual
Fees |
None |
None |
| Over-The-Credit-Limit
Fee $20.00 Late Payment Fee $20.00 This
information is correct as of May 23, 2003,
and is subject to change after that date.
Please contact us at 1-800-824-3894 or P.O.
Box 5198, Tallahassee, FL 32314-5198 for any
changes. |
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