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Loans | Mortgage | Savings | Checking | Certificates
For a secure online application  For a printable application
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CONSUMER LOANS
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Loan Type
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Rates as Low as |
APR* |
Terms up to |
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New & Used Autos (2004 and newer) Up to 4 Years
Minimum loan amount $ 7,500 - 5 Years
Minimum loan amount $10,000 - 6 Years
Minimum loan amount $20,000 - 7 Years
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4.79%
5.29%
5.79%
6.29%
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4.79%
5.29%
5.79%
6.29%
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48
60
72
84
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Used Autos (2000-2003) Up to 4 Years
Minimum loan amount $ 7,500 - 5 Years
Minimum loan amount $10,000 - 6 Years
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4.79%
5.29%
5.79%
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4.79%
5.29%
5.79%
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48
60
72
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| Used Autos (1997-1999) up to 5 Years |
8.90% |
8.90% |
60 |
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New RV's Up to 5 Years
Minimum loan amount $10,000 - 6 Years
Minimum loan amount $20,000 - 7 Years
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6.50%
7.50%
8.50%
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6.50%
7.50%
8.50%
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60
72
84
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Used RV's (2007-2000) up to 5 Years
Minimum loan amount $10,000 - 6 Years
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7.50%
8.50%
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7.50%
8.50%
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60
72
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New Motorcycles up to 5 Years
Minimum loan amount $10,000 - 6 Years
Minimum loan amount $20,000 - 7 Years
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6.50%
7.50%
8.50%
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6.50%
7.50%
8.50%
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60
72
84
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Used Motorcycles (2007-2000) up to 5 Years
Minimum loan amount $10,000 - 6 Years
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7.50%
8.50%
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7.50%
8.50%
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60
72
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| Share Secured - Adjustable Rate |
3.50% |
3.50% |
120 |
| Signature Loans up to 7 Years |
9.80% |
9.80% |
84 |
*APR = Annual Percentage Rate
Loan rates and terms are subject to credit approval.
For purposes of this disclosure, the annual percentage rate stated for consumer loans are accurate as of 11-01-2008.
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For a secure online application  For a printable application
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REAL ESTATE LOANS
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Loan Type
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Rates as Low as
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Points
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APR*
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Term
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| 1st Mortgage 15 Years - 5 Year Call Option |
5.800%
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0
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5.800%
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15YR
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| 1st Mortgage 30 Years - 5 Year Call Option |
6.200%
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0
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6.200%
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30YR
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| 2nd Mortgage - 5 Year Call Option |
7.200%
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0
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7.200%
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15YR
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| PrimeLine Home Equity Line of Credit (Int only pmts) |
4.000%
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0
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4.000%
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25YR
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*APR = Annual Percentage Rate
1ST MORTGAGE CONFORMING: Up to $417,000
1ST MORTGAGE JUMBO: Up to $800,000 (ADD .10% TO RATE)
2ND MORTGAGE: Up to $500,000
HELOC: Up to $500,000 Line of Credit w/checkbook access.
Rate adjusted monthly based on the Wall Street Journal Prime Rate
Loan rates and terms are subject to credit approval
For purposes of this disclosure, the annual percentage rate stated for mortgage loans are accurate as of 11-01-2008.
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DEPOSIT ACCOUNTS
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Savings Type
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Minimum Balance |
Dividend Rate |
APY* |
Term |
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Regular Share Savings ($100 min bal required to avoid $5 monthly maintenance fee
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$20 |
0.50 |
0.50 |
n/a |
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Rate Chaser Money Market (if balance falls below minimum)
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$2,500 |
0.75 |
0.75 |
n/a |
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Tier 1Rate Chaser Money Market $2,500 to $9,999
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as above |
1.25 |
1.26 |
n/a |
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Tier 2 Rate Chaser Money Market $10,000 to $24,999
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as above |
1.50 |
1.51 |
n/a |
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Tier 3 Rate Chaser Money Market $25,000 to $49,999
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as above |
1.75 |
1.76 |
n/a |
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Tier 4 Rate Chaser Money Market $50,000 to $99,999
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as above |
2.25 |
2.27 |
n/a |
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Top Tier Rate Chaser Money Market $100,000 +
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as above |
2.50 |
2.52 |
n/a |
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Passbook IRA
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$1,000 |
0.50 |
0.50 |
n/a |
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CHECKING ACCOUNTS
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Checking Type
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Minimum Balance |
Dividend Rate |
APY* |
Mo. fee |
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Founder's Checking (accounts opened prior to 2-1-07)
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no min |
0.00 |
0.00 |
n/a |
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Convenience Checking (direct deposit or loan bal $2,500+ to avoid monthly fee)
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no min |
0.00 |
0.00 |
$5.00 |
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Interest Checking ($2,500 min bal required to avoid monthly fee) $0-$2,499
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no min |
0.00 |
0.00 |
$7.50 |
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$2,500 - $9,999
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$2,500 |
1.00
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1.00 |
n/a |
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$10,000 to $24,999
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$10,000 |
1.25 |
1.26 |
n/a |
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$25,000 to $49,999
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$25,000 |
1.75 |
1.76 |
n/a |
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$50,000 to $99,999
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$50,000 |
2.25 |
2.27 |
n/a |
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$100,000 to $249,000
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$100,000 |
2.50 |
2.53 |
n/a |
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$250,000 +
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$250,000 |
3.00 |
3.04 |
n/a |
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CERTIFICATES
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Certificate Type
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Minimum Deposit |
Dividend Rate |
APY* |
Term |
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7 Month 70th Anniversary Certificate (New money only)**
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$1,000 |
6.90 |
7.00
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7 |
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6 Month Certificate
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$1,000 |
2.57 |
2.60 |
6 |
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1 Year Certificate
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$1,000 |
2.77 |
2.80 |
12 |
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2 Year Certificate
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$1,000 |
2.97 |
3.00 |
24 |
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3 Year Certificate
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$1,000 |
3.16 |
3.20 |
36 |
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3 Year IRA Certificate - Variable Rate (no longer available for new IRAs)
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$1,000 |
2.79 |
2.82 |
36 |
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1 Year IRA Certificate
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$1,000 |
2.77 |
2.80 |
12 |
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*APY = Annual Percentage Yield
**7 month 70th Anniversary Cerfiticate for $1,000 minimum & maximum deposit. One CD per account.
New money only from institution other than Dow Great Western Credit Union.
Offer good in the month of September. Offer may be withdrawn at any time.
For purposes of this disclosure, the dividend rate and annual percentage yield stated for the term
certificate accounts were offered within the most recent seven calendar days and were accurate as of 11-01-2008.
Penalties apply for early withdrawal.
Rates are subject to change without notice. Please call (925)331-1010 to obtain current rate information.
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