Rates Information Page for Homestead Federal Credit Union

Homestead Federal Credit Union

Share/Savings Accounts

Club Accounts

Holiday Account

.90 Div. Rate

.90 APY *

Funds disbursed November 1st

Share Accounts

Basic Shares

.24 Div. Rate

.25 APY *

$25.00 up to $2000.00

Basic Shares

.90 Div. Rate

.92 APY *

Balance over $2000.00

Share Certificate Accounts

Share Certificates

Div. Rate

APY *

Call for current rates and terms

Share Draft Accounts

Share Draft/Checking

0 Div. Rate

0 APY *

RATES AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE.

1. APY = ANNUAL PERCENTAGE YIELD.

2. APR = ANNULA PERCENTAGE RATE.

3. DIVIDENDS ARE CALCULATED ON THE AVERAGE DAILY BALANCE.

4. NO DIVIDEND IS APPLIED TO ANY ACCOUNT CLOSED PRIOR TO THE POSTING DATE.

Loan Accounts

Vehicle Loans

New to 2006

5.49%-8.90% APR

up to 72 months

Rate is based on credit experience.

Used 1999-2005

6.90%-11.40% APR

up to 72 months

Rate is based on credit experience.

Used 1998 & older

8.00%-13.40% APR

up to 60 months

Rate is based on credit experience.

Recreational Vehicle Loans

New to 2006

6.00%-9.40% APR

up to 120 months

Rate is based on credit experience.

Used 1999-2005

6.40%-11.40% APR

up to 120 months

Rate is based on credit experience.

Used 1998 & older

8.00%-13.40% APR

up to 72 months

Rate is based on credit experience.

Credit Cards

VISA(R)

Call us for rates! APR

up to $10,000.00 limit

Unsecured & secured

Personal Loans

Unsecured Open-end

15.00% APR

24 months

Unsecured Closed-end

18.00% APR

12 months

All loans subject to credit approval. Rates may vary due to credit rating.

Fees & Disclosures


Deposit Account Fees


NSF/Account Negative Fee	$20.00
Overdraft Protection Transfer Fee	$3.00
Stop Payment Fee	$25.00
Deposit Item Returned Fee	$20.00


Loan Account Fees


Loan Application/Update Fee	$18.00
Late Payment Fee	$5.00 minimum to $50.00 maximum
Refinance Fee	$35.00


Miscellaneous Fees


Wire Transfer Fee	$20.00
Lost Credit/Debit Card Fee	$25.00

Homestead Federal Credit Union

1115 1st Avenue North
Billings, MT 59101 USA
Phone: 406-259-7052 Fax: 406-259-6385
© 2009

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