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Important Notice!!!
Effective January 1, 2011, Island Tradition Federal Credit Union will be
implementing a dormant (inactive) fee when there is no activity on the account
for one year. The fee, as specified in the rate and fee schedule, will be
$5.00 per month. The fee is being instituted to encourage members to
monitor and maintain active accounts. If your account is currently
inactive, you will need to make at least one transaction by the end of this year
to activate your account and avoid any fees.
Click here for our complete Rates
& Fee Schedule (including disclosures)
Current Rates - Effective Jan 1, 2012
Note: All rates and terms are subject to change.
*Annual Percentage Rate
| Regular Share (Savings) |
0.40% |
| Share Draft (Checking), Balance of $200.00 or more |
0.25% |
| Christmas Club |
1.25% |
| Vacation Club |
0.75% |
Term Shares - Effective Aug 1,
2010
| |
$1,000-$4,999 |
$5,000+ |
| 6 Months |
0.60% APR* |
0.85% APR |
| 1 Year |
0.85% APR |
1.10% APR |
| 2 Years |
1.25% APR |
1.50% APR |
Personal (Signature) - Effective
March 1, 2010
| 12 Months Terms |
8.75% APR |
| 24 Months Terms |
9.25% APR |
| 36 Months Terms |
10.75% APR |
| 48 Months Terms |
12.25% APR |
| 60 Months Terms |
14.25% APR |
100% Shared Secured
(up to 12 years, adjustable, 3.25% over current regular shares APR*)
50% Share Secured
(up to 12 years, adjustable, 6.00% over current regular shares APR*)
New and Used Automobile - Effective Jan 1,
2010
| Up to 24 Months |
4.99% APR |
| Up to 36 Months |
5.49% APR |
| Up to 48 Months, New Auto |
5.49% APR |
| Up to 48 Months, Used Auto |
6.49% APR |
| Up to 60 Months, New Auto |
5.99% APR |
| Up to 60 Months, Used Auto Not More Than 3 yrs Old |
6.99% APR |
| Up to 72 Months, New Auto |
6.99% APR |
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