2825 Plaza Avenue P.O. Box 1140 Hays, KS 67601-1140 (785) 625-2427 Toll Free: (877) 625-2427
Farmers Credit Union
Farmers Credit Union
   
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Rates

CERTIFICATE RATES

Minimum Deposit Div.Pd. Term Rate APY Series
$1,000 Term 91 Days 0.15% 0.15% 40
$1,000 3 Months 1 Year 0.35% 0.35% 31
$1,000 Term 182 Days 0.25% 0.25% 45
$10,000 Term 182 Days 0.25% 0.25% 34
$10,000 Check 182 Days 0.25% 0.25% 35
$1,000 3 Months 2 years 0.50% 0.50% 24

SHARE ACCOUNTS

  Div.Pd. Term APY
Passbook Quarterly   0.100
Christmas Monthly   0.100
Checking Monthly over $5,000 0.100
MM Checking Monthly   0.15%

IRA ACCOUNTS - Dividends paid quarterly

  APY
$0 - 500 0.100%
$501 - 2,000 0.10%
$2,001 - 10,000 0.25%
$10,001 - 25,000 0.25%
$25,001 - 50,000 0.35%
$50,001 and over 0.50%

LOANLINER ADDENDUM--FARMERS CREDIT UNION

DESCRIPTION   PERCENTAGE RATE
Share Secured Loan    3.50%
S/C Secured Loan A minimum of 3.00% above the highest earning certificate, of the member, rounded to the nearest 1/2 of 1% (min 3.50%' ).
15 Year RE Mortgage 5.50%  
20 Year Adjustable Ag. RE 1st Mortgage 6.00%
Business and Agriculture Loans 6.50%
  7.50%
  8.50%
2nd Mortgage Loan 6.50%
Unsecured Consumer Loan (Monthly) 13.50%
Unsecured Consumer Loan (Term) 14.00%
Secured Consumer Loan (Monthly) 8.50%
Secured Consumer Loan (Term) 9.50%
New Vehicle Loan (New) 5.90%
Used Vehicle Loan(2002-2003-2004) 7.50%
Used Vehicle Loan(2001- older) 8.00%
VISA Card 13.50%

Special Variable Auto Rate – 1.9% to 5.9% subject to loan requirements.

Share Secured - The Annual Percentage Rate (APR) for share-secured advances is shown above. If there is an existing balance on the date of a new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. The rates are subject to change quarterly. Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid.

S/C Secured - The Annual Percentage Rate (APR) will be the dividend rate being paid on the certificate offered as security plus the percentage as shown above. The certificate must be renewed until the advance is completely paid. Failure to renew will result in default under the plan. When the certificate is renewed, the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid. The present APR will be disclosed on the voucher at the time of the advance.

NSF Fee - Each signer agrees that the credit union may charge and collect an insufficient funds check fee for any insufficient funds check given for payment on any loan. If you fail to pay the amount of the NSF, the credit union may add the charge to the loan and collect a finance charge on the charge at the applicable interest rate. The credit union is currently charging $25 for each NSF.

Filing Fee - You will be charged a lien filing fee at the time of an advance if the credit union takes a security interest as your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain a lien on your property. The amount of the filing fee will be disclosed on the voucher.

Late Charge - You agree that the credit union may charge and collect a delinquency charge up to the maximum amount allowed by law any time you are 10 days late on any installment. If you fail to pay the charge, the credit union is authorized to transfer the amount of the charge from your share account or add it to your loan balance. The credit union is currently charging the lesser of the 5% of the unpaid overdue installment or $25.

Collection Costs - You promise to pay all costs of collection, the amount you owe under this agreement including court costs and reasonable attorney fees.

NCUA America's Credit Unions Liberty Checks

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