Hours
Monday - Thursday
8:30am - 3:00pm
Friday
9:00am - 7:00pm
|
Rates/Fees
Loan Rates
Effective as of August 2, 2010
Loans |
Maximum Term (in months) |
APR* |
Notes |
| Share Secured |
48 |
5.5% |
|
| CD Secured |
- |
(3% above dividend rate.) |
|
| Unsecured |
48 |
9.9% |
$7,000 maximum loan amount |
| Overdraft Protection |
- |
13.5% |
|
| Motorcycle Loan |
60 |
Call for rate. |
|
| Platinum VISA |
- |
9.9% |
No Annual Fee |
| New Car |
24 |
2.9% |
100% financing of sale price |
| New Car |
36 |
3.9% |
100% financing of sale price |
New Car
(exceeding $10,000) |
60 |
4.00% |
100% financing of sale price |
New Car
(exceeding $25,000) |
72 |
4.50% |
100% financing of sale price. |
GFCU will finance 100% plus tax,tags, and title fees at the following rates: up to 6 years 5.5%APR |
| Used Car |
36 |
3.5% |
(95% of NADA Retail on 4 years and newer. Purchase only) |
| Used Car |
48 |
4.0% |
(95% of NADA Retail on 4 years and newer. Purchase only.) |
Used Car
exceeding $10,000 |
60 |
4.25% |
(95% of NADA Retail on 4 years and newer. Purchase only.) |
Used Car
exceeding $25,000 |
72 |
4.90% |
(95% of NADA Retail on 4 years and newer. Purchase only.) |
Cars older than 4 years no later than 7 years financing available on NADA loan value at 5.5% APR up to 5 years. Loans used for purposes other than purchase, loan amount is based on NADA loan value. |
| Home Equity LOC Fixed Rate |
180 |
6.25% |
up to 80% Loan to value |
| Home Equity LOC Variable Rate |
180 |
Call for current rate. |
up to 80% Loan to value |
LOC = Line of Credit. Prime Rate based on Wall Street Journal. Current Prime Rate is 3.75% as of January 1, 2009. |
*APR = Annual Percentage Rate |
All rates subject to change without notice. Loans approved based on applicants credit. |
Certificates and Shares
Effective as of July 1, 2010
Share Certificates
And IRA Share Certificates |
Minimum Deposit |
APY* |
Dividend Rate |
Compound & Credited |
| 3 months |
$2,500.00 |
0.20% |
0.20% |
Monthly |
| 6 months |
$2,500.00 |
0.30% |
0.30% |
Monthly |
| 1 year |
$1,000.00 |
0.50% |
0.50% |
Quarterly |
| 18 months |
$1,000.00 |
0.50% |
0.50% |
Quarterly |
| 2 years |
$1,000.00 |
0.953% |
0.95% |
Quarterly |
| 3 years |
$1,000.00 |
1.407% |
1.40% |
Quarterly |
| 4 years |
$1,000.00 |
2.015% |
2.00% |
Quarterly |
| 5 years |
$1,000.00 |
2.269% |
2.25% |
Quarterly |
There is a penalty for early withdrawal on Certificates.
Rates subject to change without notice. |
Account Type |
Minimum Balance |
APY* |
Dividend Rate |
Compound & Credited |
| Sharing Savings/Youth Savings |
Up to $500
$501 and over |
0.05%
0.15% |
0.05%
0.15% |
Quarterly
Quarterly |
| Share Draft Checking |
- |
0.00% |
0.00% |
Quarterly |
| Money Market Investment |
$2500.00 |
0.20% |
0.20% |
Monthly |
| Individual Retirement |
$25.00 |
0.35% |
0.35% |
Quarterly |
*APY = Annual Percentage Yield |
Dividends are calculated on Daily Balance method by applying a daily periodic rate to the principal in the account each day.
If you close your account before accrued dividends are credited, accrued dividends will not be paid. |
For complete account information please refer to Greenbelt FCU Truth-in-Savings Disclosure and Membership and Account Agreement. |
Minimum balance for Share Savings is $25 and for Youth Savings $5. |
Fee Schedule
Effective as of October 30, 2009
Share Draft Account Fees |
| Share Draft Returned Item |
$27.00 per item |
| Share Draft Stop Payment |
$25.00 per request |
| Share Draft/Check Printing |
Prices vary by style |
| Share Draft Copy |
$3.00 per draft |
| Business Checking Account Service |
$30.00 monthly |
| Non-Member Check Cashing |
$5.00 |
| Account Overdraw Item Paid |
$27.00 |
Other Service Fees (applicable to all accounts) |
| Account Reconciliation/Research |
$10.00 per hour |
| Statement Copy |
$2.00 per copy |
| Deposited Item Return |
$27.00 per item |
| Account Overdraw Item Paid |
$27.00 |
| Wire Transfer |
$25.00 per transfer |
| Western Union Wire |
$25.00 |
| International Wire |
$45.00 each |
| Foreign Check Collection |
$10.00 |
| Money Order |
$0.50 up to $500.00
$1.00 up to $1,000.00 |
| Travelers Check |
$1.00 per $100.00 |
| Inactive Account |
$20.00 per year |
| Account Closure |
$5.00, if closed before payroll deduction stops |
| Stop Payment of CU Issued Check/Money Order |
$30.00 |
| Returned Mail |
$2.00 per item |
| Preauthorized Debit Return |
$27.00 per debit |
| History |
$2.00 per page |
| Copy of Credit Union Issue Check |
$5.00 per check |
| Credit Union Check Look-up |
$3.00 per check |
| Third Party Verification |
$10.00 |
| Credit Union Checks Issued |
$3.00 per check |
| Levy/Garnishment/Subpoena |
$50.00 |
Electronic Funds Transfer Fees |
| Electronic Debit Stop Payment |
$25.00 |
| Electronic Debit Return |
$27.00 |
| Account Overdraw Item Paid |
$27.00 per transaction |
| ATM/Check Replacement |
$5.00 |
| ATM/Check PIN Reminder |
$5.00 |
| Foreign Transaction |
1% of transaction amount |
Share Value |
| Per Value of One Share |
$5.00 |
|
