Rate Schedule
This Rate Schedule states rates applicable to specified accounts and fees common to all accounts. This schedule is incorporated as a part of your account agreement with District 4 Highway Credit Union. Early withdrawal penalties apply to withdrawals from Share Certificates. Call (816) 622-6315 to obtain current rate information.

 

Account Name	Rate Type	Minimum Opening Balance	Minimum to Earn Dividends	Maximum	Annual Percentage Yield
Regular Share Savings, Stash Share Savings (Qtr ending 9/30/10)	Variable-based on account balance	$ 5.00	$ 100.00	$4,999.99	1.00%
			$ 5,000.00	$14,999.99	1.00%
			$ 15,000.00	- up	1.00%
1 Year Certificate*	Fixed for term of CD	$ 1,000.00	$ 1,000.00	- up	1.65%
*As of 08/11/2010
Members' accounts are insured by the National Credit Union Administration (NCUA) to at least $250,000.

See Home Page for Loan Specials

Loan Rates & Products

Type	Term	Rate	Note
Share Secured	-	4.50% or 1% above stated CD rate	Borrow up to 100% of Shares On Deposit
New/Used Collateral 2005 - 2010 Automobile, RV, Motorcycle, ATV, etc.	Up to 60 Mo. (72 Mo. avail)	as low as 4.95%* (add .25% for 72 Mo.)	100% Financing MSRP or NADA Retail Value (New Vehicle is current year to last year model, less than 6 months titled & 5,000 miles.)
Used Collateral 2000 - 2004 Automobile, RV, Motorcycle, ATV, etc.	Up to 48 Mo.	as low as 5.95%*	100% Financing NADA Retail Value
Over 10 Years old Collateral (1999 & older)	Up to 48 Mo.	as low as 7.75%*	Up NADA Retail Value or Credit Union estimated value
Signature Loan	Up to 36 Mo.	as low as 12.50%*	Up To $5,000.00, Unsecured Loan, No Collateral Needed
Line of Credit	Up to 36 Mo.	as low as 12.50%*	Up To $5,000.00 Unsecured Loan With Revolving Limit.  May Renew Every 24 mo.
Holiday/Vacation Loans	Up to 10 Mo.	10.00%	Up to $1,000.00
*Loan rates based on applicant's credit bureau score. Note: Rate Range. Rates are quoted in a range and based on a variety of factors. Effective 01/1/10