TRUTH-IN-SAVINGS RATES FOR SHARE (SAVINGS) and Club accounts
The rates and fees contained in this Schedule are accurate as of August 1, 2018. For current information call the Credit Union at (713) 852-1459. This Rate and Fee Schedule and Account Disclosures sets forth certain conditions, rates, fees and charges applicable to your Share (Savings) Accounts, Club Accounts and Share Certificates at Brentwood Baptist Church Federal Financial Credit Union, and is incorporated as part of your Account Agreement with us. *Fees could reduce the earnings on the account. **Rates may change after account is opened. $5.00 joining fee plus a minimum $25.00 share balance must be maintained.
| Account Share (Savings) | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| $100.00 - 3,000.00 | 0.05% | 0.05% |
| $3,000.01 - 6,000.00 | 0.25% | 0.25% |
| $6,000.01 - 10,000.00 | 0.45% | 0.45% |
| $10,000.01 - above | 0.50% | 0.50% |
CLUB ACCOUNTS
Share account required with minimum balance of $25.00
| Christmas & Vacation | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| (Christmas and Vacation) | 0.50% | 0.50% |
NEW SHARE CERTIFICATE (CD)
$500 to open and to obtain disclosed APY. Higher deposit will result in higher rates. Rate determined at the time of purchase.
| Account Share (Savings) | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 6 month Share Certificate (CD) | 0.05% | 0.05% |
| 12 month Share Certificate (CD) | 0.25% | 0.25% |
| 18 month Share Certificate (CD) | 0.50% | 0.50% |
| 24 month Share Certificate (CD) | 1.00% | 1.00% |
Loan Rates
SAVINGS (SHARE) SECURED - Up to 90% of share balance - 6.00 APR%
SIGNATURE LOANS - $100 & up 13.00% to 18.00% APR
Auto Loans
2.99% to 16.99% APR for new
3.99% to 17.25% APR for used
Fee Schedule
Returned Check or ACH Fee - $30 if a check or ACH is returned
Loan Late Charge - $30 if loan payment is 15 or more days late from the due date
Collection Agency Fees - all costs of collecting the amount you owe including court costs
Collection Attorney Fees - all costs of collecting the amount you owe including court costs and reasonable attorney fees
Auto Repo Fees – all cost of repossession of the automobile including towing, storage, court cost and reasonable attorney fees
The rates and fees contained in this Schedule are accurate as of August 1, 2018. For current information, call your Credit Union at (713) 852-1459. This Rate and Fee Schedule and Account Disclosure sets forth certain conditions, rates, fees and charges applicable to your Share (Savings) Accounts and Club Accounts at Brentwood Baptist Church Federal Credit Union and is incorporated as part of your Account Agreement with us.