Yorkville Community Federal Credit Union

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Loans | Savings | Certificates

Loan Rate/Term Sheet

Grade Rating by Credit Bureau Score 

 CREDIT BUREAU SCORE                           GRADE

 720 +                                                                   A

650-719                                                                B

620-649                                                                C

550-619                                                                D

549 and Below                                                     E

 
Secured (Collateral) Loan Interest Rates Based on Credit Bureau Score

GRADE                                                   INTEREST RATE

   A                                                                   2.5%                                           

   B                                                                   3.5%

   C                                                                   5.0%

   D                                                                   7.5%

   E                                                                 12.5%

 
Unsecured Loan Interest Rates Based on Credit Bureau Score

GRADE                                                  INTEREST RATE

A                                                                     8.0%

B                                                                     9.0%

C                                                                   10.5%

D                                                                   13.0%

E                                                                   18.0%

 

FOR UNSECURED LOANS:

Grade A is eligible for amounts up to $10,000 (aggregate amount of all unsecured loans must be $10,000 or less)

Grades B & C are eligible for amounts up to $6000 (aggregate amount of all unsecured loans must be $6000 or less)

Grades D & E eligible for amounts up to $3000 (aggregate amount of all unsecured loans must be $3000 or less)

 
   

Secured (COLLATERAL) Loan Terms (Minimum Monthly Payment of $100)

 

AGE OF COLLATERAL                           TERM

 

2 Years or Newer                                       Up to 72 Months

 

3-5 Years                                                   Up to 60 Months

 

6-8 Years                                                   Up to 48 Months

 

7 Years and Older                                     Up to 36 Months

 
   

Unsecured Loan Terms (Minimum Monthly Payment of $50)

 

AMOUNT OF LOAN                                TERM

 

Up to $10,000  (Grade A Only)                 Up to 60 Months                         

 

Up to $6000 (Grades B & C)                     Up to 36 Months

 

Up to $3000 (Grades D & E)                     Up to 36 Months

 
   

Shared Secured Loan up to 7 Years (84 Months) at 100% of Shares

 
   
 *APR = Annual Percentage Rate
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Last Dividend Declaration Date: 6/30/17 (Quarterly)
The Credit Union may offer other rates for these accounts from time to time. Please contact the Yorkville Community Federal Credit Union for the most current information!

 

Savings Minimum Opening Balance Minimum Balance to Earn APY Dividend Rate APY*
Regular Share $25.00 $100.00 .25 .25
Christmas Club   $100.00 .25 .25
Vacation Club   $100.00 .25 .25
IRA Account   $100.00 .35 .351

 

*APY = Annual Percentage Yield
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Rates subject to change weekly.

 

Certificates Minimum Opening Deposit Dividend Rate APY* Term
Share Certificate $1,000.00 .25 .25 6
Share Certificate $1,000.00

.30

.30

12
Share Certificate $1,000.00 .35 .35 18

 

*APY = Annual Percentage Yield
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