Auto and Motorcycle Loans
|
Model Year |
Term |
Rate |
APRT, as low as |
Payment per $1000 |
|
2014 & Newer |
60 months |
3.74% |
3.80% |
$19.00 |
|
|
72 months* |
3.74% |
3.80% |
$16.25 |
|
|
84 months** |
4.99% |
5.04% |
$14.75 |
|
2013 to 2009 |
48 months |
3.99% |
4.08% |
$23.50 |
|
|
60 months |
4.24% |
4.31% |
$19.50 |
|
|
72 months* |
4.49% |
4.55% |
$16.50 |
|
2008 & Older |
48 months |
5.49% |
5.58% |
$24.25 |
|
|
60 months |
5.99% |
6.06% |
$20.00 |
|
*$15K minimum & Max Mileage of 60K
**$30K minimum & Max Mileage of 40K
Rates effective 08/01/2018
T APR = Annual Percentage Rate. Rate and term are subject to credit approval and qualified collateral.
|
Boats and RVs
|
Model Year |
Term |
Rate |
APRT, as low as |
Payment per $1000 |
|
2014 & Newer |
up to 84 months |
6.49% |
6.54% |
$17.00 |
|
|
up to 180 months |
7.99% |
8.02% |
$11.10 |
|
2010 to 2013 |
up to 84 months |
6.49% |
6.60% |
$15.50 |
|
|
up to 144 months |
8.49% |
8.53% |
$13.00 |
|
2009 & Older |
up to 72 months |
6.99% |
7.12% |
$17.75 |
|
|
up to 120 months |
8.99% |
9.03% |
$15.00 |
|
Minimum values for extended terms: 10yr - $15,000, 12 yr - $20,000, 15yr - $30,000
T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
Rates effective 08/01/2018
|
ATVs, Personal Watercraft, and Non-Titled Motorcycles
|
Model Year |
Term |
Rate |
APRT, as low as |
Payment per $1000 |
|
2014 & Newer |
60 months |
6.74% |
6.81% |
$22.75 |
|
2013 & Older |
60 months |
7.74% |
7.81% |
$23.75 |
|
T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
Rates effective 08/01/2018
|
Home Loans
|
Term |
Rates |
APRT |
Payments per
$100,000 |
|
15 year |
4.250% |
4.366% |
$765.00 |
|
20 year |
4.625% |
4.717% |
$649.00 |
|
30 year |
4.75% |
4.823% |
$528.00 |
|
T APR = Annual Percentage Rate.
Rates effective as of 08/14/2018
-
Rate and term are subject to credit approval.
-
Rates are quoted for owner occupied properties with a loan amount of $135,000 ($150,000 purchase price, 10% down payment).
-
Rates are effective as of the date stated above and subject to change daily without notice.
-
The monthly payment amount shown includes principal and interest. Taxes, property insurance, and flood and mortgage insurance (if applicable) are not included in the monthly payment amount. Your actual monthly payment amount may be higher. An escrow account may be required.
-
APR's based on 15 days of prepaid interest, please call Azura for further explanation.
|
Construction Loans
|
Loan Type |
LTV |
Rate |
APRT |
|
Custom Construction |
up to 85% |
6.50% |
6.564% |
|
T APR = Annual Percentage Rate.
Rates effective as of 07/18/2018
-
Rate and term are subject to credit approval.
-
Origination fee of $1,000
-
Interest only for up to 12 months
-
Rate quoted based on $150,000 loan amount
-
Rates are effective as of the date stated above and subject to change daily without notice.
-
APR's based on 15 days of prepaid interest, please call Azura for further explanation.
|
Land Loans
|
Loan Type |
Term |
LTV |
Rate |
|
Lot Loan |
15 years |
up to 70% |
Contact Azura for specific rate details. |
|
-
Rate and term are subject to credit approval.
-
Origination fee is 1% of the loan amount, with a minimum of $750, plus closing costs
-
Rates are effective as of the date stated above and subject to change daily without notice.
|
Home Equity Loans - Fixed Rate
|
Term |
Loan to Value |
Rate |
APRT |
|
5 year |
Up to 80%
LTV |
6.50% |
6.50% |
|
10 year |
Up to 80% LTV |
6.75% |
6.75% |
|
15 year |
Up to 80% LTV |
7.00% |
7.00% |
|
Contact us for consultation if an LTV of more than 80% is needed. |
|
T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
Updated 07/18/2018
|
Home Equity Line of Credit (HELOC) - Variable Rate
|
Term |
Loan to Value |
APRT |
|
Primeline |
Up to 80%
LTV |
5.00% (equal
to prime) |
|
Primeline +2 |
80.1%
to 100% LTV |
7.00% (equal
to prime +2%) |
|
No origination fees for Primeline loans. Fees may apply to refinanced loans. APRs (Annual Percentage Rate) are based on Wall Street Journal Prime subject to change the first day of each month. Both Loans are accessible by check, with $500.00 minimum advances.
T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
Rates Effective 07/18/18
|
Visa Credit Card - Variable Rate
|
Type |
APRT |
|
Visa Credit Card |
8.50%
|
|
T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
Rates Effective 07/01/2018
|
Visa Rewards Credit Card - Variable Rate
|
Type |
APRT |
|
Visa Rewards Credit Card |
10.50%
|
|
T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
Rates Effective 07/01/2018
|
Visa Variable Rate Credit Card Rewards VISA Credit Card
Personal Loans
|
Term |
APRT |
|
Up to 60 months |
as low as 9% |
|
T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
Rates effective 08/01/2018
|
Savings and Checking Accounts
|
Updated 04/01/18 |
Rate |
APYT |
|
Savings Account |
0.20% |
0.20% |
|
Above Checking |
0.10% |
0.10% |
|
Beyond Checking |
|
|
|
Bonus rate** (Balances up to $15,000.00) |
2.47% |
2.50% |
|
2nd Tier rate** (Balances over $15,000.00) |
0.20% |
0.20% |
|
Base rate (If requirements** are NOT met) |
0.05% |
0.05% |
|
**Bonus rate requirements per qualification cycle: view statement online, one (1) direct deposit or ACH, and 15 debit card transactions.
|
Money Market
|
Updated 4/01/18 |
Rate |
APYT |
|
$0.00-999.99 |
0.00% |
0.00% |
|
$1,000-$9,999.99 |
0.25% |
0.25% |
|
$10,000.00 - $24,999.99 |
0.35% |
0.35%
|
|
$25,000.00 - $49,999.99 |
0.45% |
0.45% |
|
$50,000 - $99,999.99 |
0.55% |
0.55% |
|
$100,000+ |
0.65% |
0.65% |
Share Certificate Special
|
Updated 8/01/18 |
Rate |
APYT |
|
55 month |
2.97% |
3.01% |
|
$500 Minimum deposit. Early withdrawal penalty will reduce earnings on the account. IRA funds are not eligible. |
Bump Rate Share Certificate
|
Updated 6/05/18 |
Rate |
APYT |
|
30 month |
1.75% |
1.76% |
|
$500 Minimum deposit. The Bump Rate Option allows a member to choose to “bump” their rate one time for the 30 month Share Certificate, if the current rate being offered is higher. Contact Azura Credit Union to activate the bump rate. Each 30 month term has one bump available. The 30 month Bump Rate Share Certificate will automatically renew as another 30 month Bump Rate Share Certificate, unless changes are made during the grace period. Early withdrawal penalty will reduce earnings on the account. IRA funds are not eligible. |
Share Certificates
|
Updated 6/05/18 |
Rate |
APYT |
|
6 month |
0.50% |
0.50% |
|
12 month |
0.80% |
0.80% |
|
24 month |
1.60% |
1.61%
|
|
36 month |
1.90% |
1.92% |
|
48 month |
2.10% |
2.12% |
|
60 month |
2.30% |
2.32% |
|
$500 minimum to open a Share Certificate |
IRA
|
Updated 4/01/18 |
Rate |
APYT |
|
Share Account |
0.75% |
0.75% |
|
Balances over $100 earn dividends |
Health Savings Account (HSA)
|
Updated 4/01/18 |
Rate |
APYT |
|
Share Account |
0.15% |
0.15% |
|
Balances over $100 earn dividends |
Business Accounts
|
Updated 4/01/18 |
Rate |
APYT |
|
Savings |
0.20% |
0.20% |
|
Forward Checking |
0.10% |
0.10% |
|
(Earned dividends if balance >$100) |
|
Excel Checking |
0.25% |
0.25% |
|
(Earned dividends if balance >$100) |
Business Money Market
|
Updated 4/01/18 |
Rate |
APYT |
|
$0.00-999.99 |
0.00% |
0.00% |
|
$1,000-$9,999.99 |
0.25% |
0.25% |
|
$10.000.00 - $24,999.99 |
0.35% |
0.35%
|
|
$25,000.00 - $49,999.99 |
0.45% |
0.45% |
|
$50,000 - $99,999.99 |
0.55% |
0.55% |
|
$100,000+ |
0.65% |
0.65% |
Personal Account Fees
|
Type |
Applicable Fees & Conditions |
|
CareFree Checking |
Free |
|
Above Checking |
$5 monthly maintenance fee if balance falls below $500 |
|
Beyond Checking |
$5 monthly maintenance fee if requirements are not met.
Learn more here. |
|
Money Market |
$5.00 monthly maintenance fee if balance falls below $1,000 |
Business Account Fees
|
Type |
Applicable Fees & Conditions |
|
Forward Checking |
$5 monthly maintenance fee if balance falls below $300 |
|
Per Item Charge |
$0.10/item, after first 100 free per month |
|
Excel Checking |
$10 monthly maintenance fee if balance falls below $1,000 |
|
Per Item Charge |
$0.10/item, after first 200 free per month |
|
|
|
Other Account Fees
|
Type |
Applicable Fees & Conditions |
NSF Item (applies to overdrafts created by check, in-person or ATM
withdrawals or other electronic means, whether paid or unpaid) |
$24.00 per item |
|
NSF Transfer |
$5.00 per transfer |
|
Account Closure (account closed within 180 days of opening date) |
$20.00 |
|
Inactive/Low Balance (no activity in 12 months; balance below $100) |
$5 per month |
|
Dormant Account (no activity in 12 months; undeliverable address) |
$5 per month |
|
Bad Address (per item returned as undeliverable) |
$2 per item |
|
Garnisment/Levy |
$10 per item |
|
Check Printing Fee |
Prices vary by style |
|
Temporary Checks |
$1 per page |
|
History Printout |
$2 per monthly printout |
|
Statement Copy |
$3 per statement cycle |
Paper Statement (savings-only account(s) with balance below $100
at any time during statement cycle, excludes youth accounts) |
$2 per statement cycle |
|
Account Reconciliation (one hour minimum) |
$20 per hour |
Excessive Reg D (savings-only account(s) for any non-person transfer
or withdraw in excess of 6 per month) |
$3 per item |
Card Fees
|
Type |
Applicable Fees & Conditions |
|
Excessive PIN Replacement> |
$5.00 |
|
Excessive ATM Withdrawal |
$1 each over 8 withdrawals per month |
|
Captured Card Fee |
Pass through of fee charged to Azura |
Online Banking/Bill Pay Fees
|
Type |
Applicable Fees & Conditions |
|
Mobile Banking App |
Free |
|
Online Banking |
Free |
|
Online Bill Pay |
Free |
|
Bill Pay Electronic Express |
$10 per item |
|
Bill Pay Paper Express |
$40 per item |
Other Service Fees
|
Type |
Applicable Fees & Conditions |
|
Notary (members only) |
Free |
|
Money Order |
$2 each |
|
Visa Gift Card |
$3 each |
|
Cashier Check (minimum $100, payable to third party) |
$3 each |
|
Research (one hour minimum) |
$20 per hour |
|
Check Copy |
$3 each |
|
Stop Payment |
$24 per item, or consecutive series |
|
Foreign Currency Order |
$30 per request |
Check Cashing (applies to savings-only accounts with a balance
below $100 at time of transaction; excludes youth accounts) |
$5 per transaction |
Coin Counting (applies to savings-only accounts with a balance
below $100 at time of transaction; excludes youth accounts)
|
5% |
|
Returned Item (written by you) |
$24 each |
|
Returned Item (written to you) |
$5 each |
|
Third Party Payment |
$10 per request |
|
Domestic Check Collection (outgoing) |
$10 per item |
|
Foreign Check Collection (outgoing) |
$20 per item |
|
Wire Transfer - International |
$40 per wire |
|
Wire Transfer - Domestic |
$20 per wire |
|
Wire In |
Free |
Annual Safe Deposit Box Fees
|
Available at Hunter's Ridge, Kansas Ave, Croco and Hwy 24 branches |
|
3x5 (Kansas Ave location only) |
$15 |
|
3x10 |
$30 |
|
5x10 |
$40 |
|
10x10 |
$70 |
|
Drilling of Box |
$150 per request |
|
Replacement Key |
$25 per key |
The contents of your safe deposit box are not insured against loss by this financial institution nor are they covered by NCUA. For your protection, you may wish to obtain your own box content insurance from an insurance company of your choice.
|
Credit Union Membership
|
Type |
Applicable Fees & Conditions |
|
Membership Share (not a fee) |
$5 par value |