Loans/Uncommitted Lines of Credit (as of 10/29/2020 9:49 AM)

Rate

Overnight Demand Loan

0.55%

Settlement Loan

3.25%

1 Month Term

1.15%      0.25%

2 Month Term

1.15%      0.25%

3 Month Term

1.15%      0.25%

4 Month Term

1.15%     0.25%

6 Month Term

 1.15%  

9 Month Term   

1.15%

1.0 Year Term

1.15%

2.0 Year Fixed to Floating*

1.10% to IOER +75 bps

 

Amortizing Loan Rates (as of 10/29/2020 9:49 AM)

Average Life Term

Rate

Principal Window***

6 Months

0.75%

3 to 9 Month

1 Year

1.15%

6 to 18 Months

2.05 Year Avg Life

**

4 Year Final / Monthly P&I Payments

 

* Year 1 fixed rate at 1.1% and borrower has the option to put the loan back at end of year 1 or, rate converts to floating rate daily at IOER +75 until maturity

**Call for rate

 

Floating Loan Rate (as of 10/29/2020 9:49 AM)

Term

Fed Target Rate

Prime Rate

 

Margin    Rate

Margin     Rate

1 year

 0.40%

 1.40%  

 

        -2.60%     0.65

2 years

 0.40%

 1.40%

 

        -2.50%     0.75

3 years

 0.40%

 1.40%

 

        -2.40%     0.85

 

 

 

 

 

 

 SimpliCD Issuance Rates (as of 10/29/2020 9:49 AM)

Call your senior investment representative for rates)

  

Public Funds Rates (as of 10/29/2020 9:49 AM)

Term                                                                       Rate

30 Days

                  0.35%

 

 60 Days

0.35%

90 Days

0.35%

4 Months

0.35%

5 Months    

0.35%

 6 Months

0.40%

7 Months

0.40%

9 Months   

0.40%

1 Year

0.40%

1.5 Tear

0.45%

2 Year  

0.45%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

*** Equal monthly principal payments will begin on the month when principal window becomes in effect until final payment is made at final pay-off date

 

 

Disclaimers

Settlement Date: Current Business Day

Dividend and Rate Basis: Actual/365

Fixed rate fixed term loans subject to prepayment penalties and fees

Associate members may pay up to 50 basis points more when applicable.

 

Highlighted rates are current specials.

 

Posted loan rates are indications only. Call your Investment Representative at 800/366-2677 for terms not quoted.

 

Public Funds Rates

Public Funds issuance rates are weekly indication rates based on market conditions and are subject to change. Actual rates vary based on the requested deposit amount, the length of time required to generate the funds, and the term requested.

Rates are quoted as an Annual Percentage Rate and are an "all-in" cost with no broker, subscription, or transaction fees involved.  Interest in calculated on an actual/365 day basis and is paid at maturity.

Public Funds Issuance is the issuance of non-member deposits to public units. To issue credit unions must be federally insured and must be legally allowed to accept non-member deposits. For more information, please call your Corporate One Representative.