Qside Federal Credit Union - Where money makes a better living
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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
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Mortgage Rates

Term

APR

click here for daily mortgage rates

click here to calculate your monthly mortgage payment

 

 
Equi-Fix℠ Home Equity Loans

Term

APR

60 months

5.75%

120 months

6.75%

180 months

7.75%

 

 
Equi-Flex℠ Home Equity Line of Credit

Term

APR

Revolving Line of Credit

 3.75%

 

 
Auto Loans, New and Used

Term

APR

60 months

3.50%* - 15.50%

72 months

3.50%* - 16.00%

84 months

4.00%* - 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.

 

 
Boat or RV Loans, New and Used

Term

APR

Up to 48 months

4.75%* - 18.00%

60 months

5.00%* - 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 Loans, New and Used

Term

APR

48 months

4.75%* - 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 Loans

Term

APR

Up to 72 months

8.50% - 18.00%

 

 
Secured Loans

 

Term

APY

Savings and Certificate Secured Loans

Up to 48 months

5.75%

84 months

6.00%

120 months

6.25%

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.

 

 
Overdraft Protection

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 Loans

 

Term

APY

Holiday Loans

Up to 18 months

9.00%

Vacation Loans

Up to 18 months

9.00%

Rates apply to the 2009 Holiday and Vacation seasons.

 

 
Qside Visa 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 Accounts

Balance Amount

Dividend

APY

$1 - $999.99

0.15%

0.15%

$1,000 - $2,499.99

0.20%

0.20%

$2,500 - $4,999.99

0.30%

0.30%

$5,000 and over

0.50%

0.50%

Dividends credited monthly.  Rates effective 11/01/2009

 

 
Savings Accounts

Balance Amount

Dividend

APY

$5 - $2,499.99

0.50%

0.50%

$2,500 and over

0.75%

0.75%

Dividends credited monthly.  Rates effective 7/01/2010

 

 
Money Market Accounts

Balance Amount

Dividend

APY

$5,000 - $9,999.99

.75%

.75%

$10,000 - $24,999.99

.85%

.85%

$25,000 - $49,999.99

.90%

.90%

$50,000 and over

1.05%

1.06%

Dividends credited monthly. 
Rates effective 9/01/2010.  Rates subject to change without notice.

 

 
CDs

 

6-Month Term

1-Year Term

2-Year Term

3-Year Term

Balance

Dividend

APY

Dividend

APY

Dividend

APY

Dividend

APY

$500 - $9,999

0.80% 

0.80%

1.05%

1.05%

1.55%

1.56%

1.90%

1.91%

$10,000 - $24,999

0.90%

0.90%

1.15%

1.15%

1.65%

1.66%

2.00%

2.01%

$25,000 - $49,999

0.95%

0.95%

1.20%

1.20%

1.70%

1.71%

2.05%

2.06%

$50,000 - $99,000

1.00%

1.00%

1.25%

1.25%

1.75%

1.76%

2.10%

2.11%

$100,000 and over

1.10%

1.10%

1.35%

1.36%

1.85%

1.86%

2.20%

2.21%

Dividends credited semi-annually.
Rates Effective 8/23/10.  Rates subject to change without notice.

 

 
IRA Certificates

 

1-Year Term

2-Year Term

3-Year Term

 

Dividend Rate

APY

Dividend Rate

APY

Dividend Rate

APY

$500 minimum

1.15%

1.16%

1.65%

1.66%

2.00%

2.02%

Dividends credited semi-annually.
Rates Effective 8/23/10.  Rates subject to change without notice.

 

 
IRA Accounts

 

Dividend

APY

Traditional IRA Savings

.75%

.75%

Roth IRA Savings

.75%

.75%

Education IRA Savings

.75%

.75%

Dividends credited monthly.  Rates effective 7/01/2010

 

 
Bump Up CDs

 

3-Year Bump Up

Balance

Dividend

APY

$500 - $9,999

1.70%

1.71%

$10,000 - $24,999

1.80%

1.81%

$25,000 - $49,999

1.85%

1.86%

$50,000 - $99,000

1.90%

1.91%

$100,000 and over

2.00%

2.01%

IRA Certificate, $500 minimum

1.80%

1.81%

Dividends credited semi-annually.
Rates Effective 8/23/10.  Rates subject to change without notice.

 

 
Holiday and Vacation Savings Account Rates

 

Dividend

APY

Holiday Club Savings Accounts

0.50%

0.50%

Vacation Club Savings Accounts

0.50%

0.50%

Dividends credited monthly.  Rates effective 7/01/2010

 

 




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