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our rates

The rates, fees and terms applicable to your account at Florida Aircraft Federal Credit Union are provided below.

Florida Aircraft Federal Credit Union may offer other rates for these accounts from time to time.


Savings Rates Paid for July, 2002
Account Type Annual Percentage Rate Annual Percentage Yield
Share
Share Draft
Christmas Club
1.50% 1.51%
IRA 2.25% 2.28%

$5 Minimum balance is necessary in the share account to maintain membership. No Minimum balance is required for either share draft or Christmas Club accounts. Dividends are calculated based on the daily balance during the month. Dividends are compounded daily and are credited Monthly. Rates are reviewed monthly and are subject to change. Federally insured by NCUA.


Certificate Rates for August, 2002
Certificate Type Annual Percentage Rate Annual Percentage Yield
6 Month 2.25% 2.28%
1 Year 2.50% 2.53%

Certificate dividends are not compounded and are paid at maturity. $5,000.00 minimum reqired for all certificate types. Additional deposits are not allowed after certificate opened. Withdrawals are allowed with a penalty. Certificates are not automaticaly renewed.

Loan Rates

Secured Loans
Collateral Limit Rate Term
New Auto 100% of List Price 4.40% 24 Months
New Auto 100% of List Price 4.90% 36 Months
New Auto 100% of List Price 5.40% 48 Months
New Auto 100% of List Price 5.90% 60 Months
New Auto - 72 months 100% of List Price 6.50% 72 Months
Used Car/Truck/Van
Current and 1 Year
Old Models
100% of List Price 4.40% 24 Months
Used Car/Truck/Van
Current and 1 Year
Old Models
100% of List Price 4.90% 36 Months
Used Car/Truck/Van
Current and 1 Year
Old Models
100% of List Price 5.40% 48 Months
Used Car/Truck/Van
Current and 1 Year
Old Models
100% of List Price 5.90% 60 Months
Used Car/Truck/Van
Current and 1 Year
Old Models
100% of List Price 6.50% 72 Months
Used Auto 100% of NADA Retail 7.9% 60 Months
New Furniture & Appliances 75% of List Price 12.0% 36 Months
New Campers,Travel Trailers & Motorhomes 90% of List 9.5% 84 Months
Used Campers,Travel Trailers & Motorhomes 90% of Nada Retail 10.0% 84 Months
Any Motorhome over $50,000.00 90% of List or Nada 9.5% & 10.0% 120 Months
New Boats 90% of List (Max 30,000) 9.5% 84 Months
Used Boats 90% of Nada (Max 30,000) 10.0% 84 Months
New Motorcycles 90% of List 12.0% 60 Months
Used Motorcycles 90% of NADA Retail 12.0% 48 Months
Share Pledge NONE 6.0% 120 Months
Home Improvement* $5,000-$15,000 8.5% 84 Months
2nd Mortgage* 80% of Appraised Value 10.5% 180 Months
RAW Land* 50% of Appraised Value 10.5% 144 Months

*Restrictions may apply to these loans.
Rates quoted are the Annual Percentage Rate. Check with the Credit Union for specials or restrictions. Rates are subject to change.


Unsecured Loans
Collateral Limit Rate Term
Signature Loans Amount based on Seniority 12.0% Terms based on Seniority
0-1 years $1,000.00 12.0% 12 Months
1-3 years $2,000.00 12.0% 18 Months
3-5 years $3,000.00 12.0% 24 Months
10+ years $5,000.00 12.0% 36 Months
5-10 years $7,500.00 12.0% 48 Months
Student Loan* $1,200.00 10.5% 12 Months
Visa Credit Card* $7,500.00 12.0% Open End
Holiday Loan* $1,200.00 12.0% 12 Months

*Restrictions may apply to these loans.
Rates quoted are the Annual Percentage Rate. Check with the Credit Union for specials or restrictions. Rates are subject to change.

Fee Schedule

Share Draft Account Fees
NSF Fee $ 18.00 per item
Returned Item Fee $ 5.00 per item
Stop Payment Fee $ 1.00 per request
Share Draft printing fee $ Prices vary depending on style
Photocopy of Share Draft $ 2.00 per copy
Original $ 5.00 per copy

Service Fees Applicable to All Accounts
Account Reconciliation fee $ 10.00 per hour
Account Research fee $ 10.00 per hour
Deposited Item Returned fee $ 9.00 per item
Collection/foreign items are subject to our
corresponding bank's fees at the time of deposit.
Wire Transfer fee (Incoming) $ 15.00 per transfer
Wire Transfer fee (Outgoing) $ 15.00 per transfer
Certified Check fee $ 2.00 per check
Stop Payment on Credit Union Bank Check $ 27.50
Third & Subsequent Bank Check on Single Day fee $ 2.00 each
Statement Copies $ 1.50 per statement

Electronic Funds Transfer Fees
Nonproprietary ATM Withdrawal fee $ 0.45
ATM Balance Inquiry Nonproprietary $ 0.20

On Line Banking (I.R.M.A)
Check Copy Requests $20.00
Stop Payment Requests $25.00


Copyright 2000 Florida Aircraft Federal Credit Union. All rights reserved.