Rates


Effective 5/1/2018

  • Share Savings & Checking
    Account type From To Dividend APY(1)
    Share Savings $5 $50,000 0.15% 0.15%
    Share Savings $50,001 $100,000 0.20% 0.20%
    Share Savings $100,001 and up 0.25% 0.25%
    Reward Checking* $0 $5,000 1.00% 1.00%
    Reward Checking* $5,000.01 and up 0.00% 0.00%
    Holiday Club $0 and up 0.15% 0.15%
    Vacation, Travel  $0 and up 0.15% 0.15%
    Escrow $0 and up 0.15% 0.15%

    *Reward Checking must meet certain criteria to earn the dividend posted. See qualifications here.

  • IRA (Roth And Traditional)
    Account Type From To Dividend APY(1)
    IRA $0 $50,000 0.65% 0.65%
    IRA $50,001 $100,000 0.70% 0.70%
    IRA $100,001 and up 0.75% 0.75%
  • Share Certificates ($0 - $49,999)
    Term Open Minimum Earn Minimum Dividend APY(1)
    9 month $500 $500 0.23% 0.23%
    12 month $500 $500 0.33% 0.33%
    18 month $500 $500 0.53% 0.53%
    24 month $500 $500 0.73% 0.73%
    36 month* $500 $500 1.03% 1.03%
    60 month $500 $500 1.13% 1.13%
  • Share Certificates ($50,000 – 100,000)
    Term Open Minimum Earn Minimum Dividend APY(1)
    9 month $500 $500 0.28% 0.28%
    12 month $500 $500 0.38% 0.38%
    18 month $500 $500 0.58% 0.58%
    24 month $500 $500 0.78% 0.78%
    36 month* $500 $500 1.08% 1.08%
    60 month $500 $500 1.18% 1.18%
  • Share Certificates ($100,000 & up)
    Term Open Minimum Earn Minimum Dividend APY(1)
    9 month $500 $500 0.33% 0.33%
    12 month $500 $500 0.43% 0.43%
    18 month $500 $500 0.63% 0.63%
    24 month $500 $500 0.83% 0.83%
    36 month* $500 $500 1.13% 1.13%
    60 month $500 $500 1.23% 1.23%

Loan Rates

  • New Vehicle Loans
    Year Term APR (As Low As) (2)
    2017-2018* 0-36 Months 2.99%
    2017-2018* 37-48 Months 3.390%
    2017-2018* 49-60 Months 3.49%
    2017-2018* 61-72 Months 3.99%
    2017-2018* 73-84 Months 4.99%
    2017-2018* 85-96 Months 5.39%

    *2016 models qualify for new car rates if the mileage is less than 25,000.

  • Used Vehicle Loans
    Year Term APR (AS LOW AS) (2)
    2008-2018 0-36 Months 3.29%
    2008-2018 37-48 Months 3.59%
    2008-2018 49-60 Months 3.79%
    2008-2018 61-72 Months 4.49%
    2008-2018 73-74 Months 4.79%
    2008-2018 75-84 Months 5.49%
  • RVs/Motorcycles(Registered)
    Year Term APR (As Low As) (2)
    2017-2018*  0-36 Months 3.49%
    2017-2018*  37-48 Months 3.89%
    2017-2018*  49-60 Months 3.99%
    2017-2018*  61-72 Months 4.49%
    2017-2018*  73-84 Months 5.49%
    2017-2018* 85-120 Months 6.39%
    2017-2018* 121-180 Months 6.89%
    2008-2017  0-36 Months 3.79%
    2008-2017  37-48 Months 4.09%
    2008-2017  49-60 Months 4.29%
    2008-2017  61-72 Months 4.99%
    2008-2017 85-120 Months 6.99%

    *2017 models qualify for new car rates if the mileage is less than 25,000.

  • Boats/ATVs/Jet Skis/Trailers/Snowmobiles
    Year Term APR (As Low As) (2)
    2017-2018* 0-36 Months 3.99%
    2017-2018* 37-48 Months 4.39%
    2017-2018* 49-60 Months 4.49%
    2017-2018* 61-72 Months 4.99%
    2017-2018* 73-84 Months 6.39%
    2008-2017 0-36 Months 4.29%
    2008-2017 37-48 Months 4.59%
    2008-2017 49-60 Months 4.79%
    2008-2017 61-72 Months 5.49%
    2008-2017 72-84 Months 6.49%
  • Signature Loans
    Loan Type Term APR (As Low As) (3)
    Personal Loan 0-24 Months 6.94%
    Personal Loan 25-36 Months 7.94%
    Personal Loan 37-60 Months 8.94%
    Personal Loan 61-72 Months 9.44%
    Share Secured Loan 0-24 Months 1.99%
    Share Secured Loan 25-36 Months 2.29%
    Share Secured Loan 37-60 Months 2.79%
    Share Secured Loan 61-72 Months 2.99%
  • Home Equity Loans
    Loan Type Term APR (As Low As) (3)
    HE (80% LTV) 0-60 Months 2.94%
    HE (80% LTV) 61-120 Months 3.94%
    HE (80% LTV) 121-180 Months 4.94%
    HE (80% LTV) 180-240 Months 5.54%

    Real Estate must be primary residence of member and must be located in PA, NJ, or DE.


DISCLOSURES

All loan rates assume direct deposit re-payment. Loans without direct deposit or auto transfer from a Citymark FCU account add 0.25% onto your rate.

All loan final terms determined by Performanced Based Scoring System.  Final rates are based on credit scores and are a determining factor in the approval/denial of your loan application

1. **APY – Annual Percentage Yield

2. *APR – Annual Percentage Rate. Actual APR may vary according to payment method and any late payments made on the loan. All rates and terms are subject to change without notice.

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3. Conditions apply. Please contact credit union to review all conditions and stipulations

4. “Rates my vary and adjust quarterly based on Wall Street Journal Prime Rate (Index) Maximum lifetime interest rate will not exceed 18% APR*.”

Rates are not guaranteed and are subject to change at any time. The Citymark FCU Board of Directors review saving and loan rates on a regular basis and make changes where necessary.

Please contact us for current disclosures on account terms, conditions and fees.


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