Twitter FOLLOW US
News & Promotions Locations & ATMs Rates Contact Us

Loans
Mortgages
Home Equity Loans & HELOCs
Auto Loans
Boat, Motorcycle & RV Loans
Signature Loans
Secured Loans
Overdraft Protection
Holiday and Vacation Loans
Credit Life and Disability Insurance
Rates
Download forms and applicationsEmail AlertsFinancial Tools
Mortgage Rates

Term

APR

click here for daily mortgage rates

click here to calculate your monthly mortgage payment

 


 

Equi-Fix℠ Home Equity Loan Rates

Term

APR

60 months

4.25%

120 months

5.75%

180 months

6.75%

Rates effective 05/16/2012

 


 

Equi-Flex℠ Home Equity Line of Credit Rates

Term

APR

Revolving Line of Credit

3.75%

 


 

Auto Loan Rates, New and Used Cars

Term

APR

48 months 2.00%* - 15.50%

60 months

2.25%* - 15.50%

72 months

2.25%* - 16.00%

84 months

2.75%* - 16.50%

click here to calculate your monthly car payment

*lowest APR is a result of all available rate discounts such as down payment and direct deposit. Rates effective 4/19/2013.

 


 

Boat or RV Loan Rates, New and Used Vehicles

Term

APR

Up to 48 months

3.50%* - 18.00%

60 months

3.50%* - 18.00%

72 months

5.25%* - 18.00%

84 months

5.75%* - 18.00%

120 months

6.75%* - 18.00%

click here to calculate your monthly boat or RV loan

*Lowest APR is a result of all available rate discounts such as down payment and direct deposit.

 


 

Motorcycle Loan Rates, New and Used Vehicles

Term

APR

48 months

3.50%* - 18.00%

click here to calculate your monthly motorcycle payment

*Lowest APR is a result of all available rate discounts such as down payment and direct deposit.

 


 

Signature Loan Rates

Term

APR

Up to 72 months

8.50% - 18.00%

 


 

Secured Loan Rates

 

Term

APY

Savings and Certificate Secured Loans

Up to 48 months

4.00%

84 months

4.75%

120 months

5.50%

Stock Secured Loans**

Up to 60 months

7.50%

**Stock Secured Loans of less than $15,000 have a maximum repayment term of 36 months. Rates effective 05/16/2012.

 


 

Overdraft Protection Line of Credit Rates

Term

APR

Revolving Line of Credit***

16.00%

***Minimum monthly payment is calculated by multiplying the balance on the last day of the month by 4%.  The minimum monthly payment will never be less than $20.00.

 


 

Holiday and Vacation Loan Rates

 

Term

APY

Holiday Loans

Up to 18 months

9.00%

Vacation Loans

Up to 18 months

9.00%

Rates apply to the 2012 Holiday and Vacation seasons.

 


 

Qside Visa Credit Card Rates

Card

APR

Visa Classic Credit Card

12.9%

Visa Platinum Credit Card

8.9%

Visa Platinum Rewards Credit Card

9.9%

click here to calculate your credit card payoff time/cost

 


 

Loans paid via direct deposit will receive a 0.50% discount off the APR.  If direct deposit is discontinued, your APR will increase by 0.50% (excluding Stock-, Share- and Certificate-Secured, Overdraft Protection and Real Estate Loans).

*Lowest APR is a result of all available rate discounts such as down payment and direct deposit.

**Stock Secured Loans of less than $15,000 have a maximum repayment term of 36 months.

***Minimum monthly payment is calculated by multiplying the balance on the last day of the month by 4%.  The minimum monthly payment will never be less than $20.00.






Checking Account Rates

 

Balance Amount

Dividend

APY

$1 - $999.99

0.05%

0.05%

$1,000 - $2,499.99

0.05%

0.05%

$2,500 - $4,999.99

0.10%

0.10%

$5,000 and over

0.15%

0.15%

Dividends credited monthly.
Rates effective 04/01/2014.  Rates subject to change without notice.

 


 

Savings Account Rates

Balance Amount

Dividend

APY

$25 - $2,499.99

0.10%

0.10%

$2,500 and over

0.15%

0.15%

Dividends credited monthly.
Rates effective 04/01/2014. Rates subject change without notice.

 


 

Money Market Account Rates

Balance Amount

Dividend

APY

$5,000 and below .10% .10%

$5,000 - $9,999.99

.15%

.15%

$10,000 - $24,999.99

.20%

.20%

$25,000 - $49,999.99

.25%

.25%

$50,000 and over

.30%

.30%

Dividends credited monthly. 
Rates effective 04/01/2014.  Rates subject to change without notice.

 


 

CD Rates

 

6-Month Term

1-Year Term

2-Year Term

3-Year Term

Balance

Dividend

APY

Dividend

APY

Dividend

APY

Dividend

APY

$500 - $9,999

0.30% 

0.30%

0.35%

0.35%

0.60%

0.60%

1.00%

1.00%

$10,000 - $24,999

0.40%

0.40%

0.45%

0.45%

0.70%

0.70%

1.10%

1.10%

$25,000 - $49,999

0.45%

0.45%

0.50%

0.50%

0.75%

0.75%

1.15%

1.15%

$50,000 - $99,000

0.50%

0.50%

0.55%

0.55%

0.80%

0.80%

1.20%

1.20%

$100,000 and over

0.60%

0.60%

0.65%

0.65%

0.90%

0.90%

1.30%

1.30%

Dividends credited semi-annually.
Rates Effective 03/24/2014.  Rates subject to change without notice.

 


 

IRA Certificate Rates

 

1-Year Term

2-Year Term

3-Year Term

 

Dividend Rate

APY

Dividend Rate

APY

Dividend Rate

APY

$500 minimum

0.45%

0.45%

0.70%

0.70%

1.10%

1.10%

Dividends credited semi-annually.
Rates Effective 03/24/2014.  Rates subject to change without notice.

 


 

IRA Savings Account Rates

 

Dividend

APY

Traditional IRA Savings

.20%

.20%

Roth IRA Savings

.20%

.20%

Education IRA Savings

.20%

.20%

Dividends credited monthly.
Rates effective 04/01/2014.  Rates subject to change without notice.

 


 

Bump Up CD Rates

 

3-Year Bump Up

Balance

Dividend

APY

$500 - $9,999

0.95%

0.95%

$10,000 - $24,999

1.05%

1.05%

$25,000 - $49,999

1.10%

1.10%

$50,000 - $99,000

1.15%

1.15%

$100,000 and over

1.25%

1.25%

IRA Certificate, $500 minimum

1.05%

1.05%

Dividends credited semi-annually.
Rates Effective 03/24/2014.  Rates subject to change without notice.

 


 

Holiday and Vacation Savings Account Rates

 

Dividend

APY

Holiday Club Savings Accounts

0.15%

0.15%

Vacation Club Savings Accounts

0.15%

0.15%

Dividends credited monthly.
Rates effective 04/01/2014.  Rates subject to change without notice.

 


 






Fees



Share Value
Par Value of One Share
(Minimum Balance)

$25.00
Fees effective 10/1/2009
 

Savings Fees

Savings Transfer for Insufficient Funds

$2.50 per transfer

Dormant Account Fee

$25.00

Minimum Balance Fee

$1.00 per month

Fees effective 10/1/2009

 

Vacation Club Fees

Savings Transfer for Insufficient Funds

$2.50 per transfer

Excessive Withdrawal Fee

$1.50 after the first two (2) in one (1)  calendar year

Fees effective 10/1/2009

 

Money Market Fees

Savings Transfer for Insufficient Funds

$2.50 per transfer

Minimum Balance Fee

$15.00 if daily balance is below $5,000.00

Fees effective 10/1/2009

 

Checking Fees

Manual/Pmt Fee

$5.00

Insufficient Funds Fee

$20.00 per item

Returned Item Fee

$20.00 per item

Stop Payment Fee

$15.00 per request

Check Printing Fee

Vary depending on style

Check Photocopy Fee

$5.00 per copy

Check Photocopy (fax)

$7.50 per copy

Check Image Copy

$0.50 per copy

Negative Balance Fee

$20.00

Fees effective 10/1/2009

 

Other Service Fees

Statement Copy Fee

$5.00 per copy

Deposited Item Return Fee

$25.00 per item

Outgoing Wire Transfer Fee (local)

$15.00 per transfer

Outgoing Wire Transfer Fee (international)

$50.00 per transfer

Certified Check

$6.00 per check

Money Order

$1.50 per check

Travelers Check

$1.50 per $100

Travelers Check for two (2)

$1.50 per $100

Telephone Transfer (non-audio response or ATM)

$2.50 per transfer

Account Transfer Fee

$2.50 per transfer

Fax Transfer Fee

$2.50 per transfer

Account Balance Verification Fee

$15.00 per letter

Manual Bill Payment Fee

$2.00 per item

Gift Check

$1.50 per check

Bad Address Fee

$5.00

Gift Card Fee

$3.00

Fees effective 10/1/2009

 

EFT Fees

STAR/ATM Withdrawal Fee

$1.50 per withdrawal
(after the first 8)

STAR/ATM Card Replacement Fee

$10.00 per card

STAR/ATM Balance Inquiry Fee

$1.00 per inquiry

STAR/ATM Denial Fee

$1.50 denial

Debit Card Insufficient Funds Fee

$20.00 per item

Debit Card Replacement Fee

$10.00 per card

STAR/ATM Insufficient Funds Fee

$20.00 per item

Fees effective 10/1/2009

 

 

Privacy Policy
© 2013 Qside Federal Credit Union. Serving members since 1940.
All rights reserved.