Nirvana Checking Effective as of July 16, 2008

Consumer Loans
 
FIXED APR**
VARIABLE APR**
TERMS 
AUTOMOBILES
New / Used
5.25%
4.75%
36 Months
New / Used
5.25%
 4.75%
48 Months
New / Used
5.25%
4.75%
60 Months
New / Used
5.25%
4.75%
66 Months
New / Used
6.00%
5.00%
72 Months


 
FIXED APR**
VARIABLE APR**
TERMS 
BOAT / RV
New / Used
5.75%
5.25%
60 Months
New / Used
6.25%
5.25%
84 Months
New / Used
6.75%
6.25%
120 Months
New / Used
N/A
6.50%
144 Months


 
FIXED APR**
VARIABLE APR**
TERMS 
SIGNATURE
 
11.90%
N/A
12 Months
 
12.90%
10.50%
24 Months
 
13.90%
12.00%
36 Months


 
FIXED APR**
VARIABLE APR**
TERMS 
LINE OF CREDIT
 
13.90%
N/A
N/A         


SHARE SECURED
3% over Share Savings Rate for 12 Month Term

 

Mortgage Loans
 
FIXED APR**
VARIABLE APR**
TERMS 
HOME EQUITY
80%
N/A
5.00%
30 Years
90%
N/A
6.50%
30 Years
100%
N/A
N/A
30 Years

 

 
FIXED APR**
VARIABLE APR**
TERMS 
HOME EQUITY ADVANTAGE
80%
5.50%
N/A
1-5 Years
80%
6.25%
N/A
6-10 Years
90%
6.75%
N/A
1-5 Years
90%
7.25%
N/A
6-10 Years
100%
8.25%
N/A
1-5 Years
100%
9.25%
N/A
6-10 Years



 
FIXED APR**
VARIABLE APR**
TERMS 
1st MORTGAGE (no origination fee)
5 Year Call
6.125%
N/A
15 Years
10 Year Call
7.125%
N/A
15 Years
2ND MORTGAGE (no origination fee)
5 Year Call
6.750%
N/A
15 Years
10 Year Call
7.250%
N/A
15 Years

FOR FIRST MORTGAGE OR CONSTRUCTION LOAN RATES CALL (801) 320-2600

 

VISA® Credit Cards
FIXED APR**
VARIABLE APR**
VISA® CLASSIC
11.90% APR
N/A
VISA® GOLD***
11.90% APR
N/A
VISA® PLATINUM
8.90% APR
N/A
VISA® PLATINUM AWARDS***
10.90% APR
N/A

 

Shares
 
MIN. DEPOSIT 
APY*
DEDICATED SAVINGS CERTIFICATE
 
 
3.45%

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MIN. DEPOSIT 
APY*
SAVINGS
 
$0.01 - $9,999
0.50%
 
$10,000 - $49,999
0.75%
 
$50,000 & Above
1.00%


 
MIN. DEPOSIT 
APY*
NIRVANA CHECKING
 
 $1,000 - $24,999
0.25%
 
 $25,000 - $49,999
0.50%
 
$50,000 & Above
1.00%


 
MIN. DEPOSIT 
APY*
HIGH RATE MONEY MARKET
 
$25,000 - $49,999
3.25%
 
$50,000 - $74,999
3.50%
 
$75,000 - $99,999
4.00%
 
$100,000 & Above
4.25%


 
MIN. DEPOSIT 
APY*
MONEY MARKET
 
$3,000 - $9,999
1.25%
 
$10,000 - $19,999
1.50%
 
$20,000 - $49,999
2.00%
 
$50,000 & Above
2.25%


 
MIN. DEPOSIT 
APY*
IRA SHARES
 
 
1.00%


 
MIN. DEPOSIT 
APY*
CHRISTMAS CLUB
 
 
0.75%


 
MIN. DEPOSIT 
APY*
SHARE AND IRA CERTIFICATES
6 Months
$500 - $49,999
3.25%
$50,000 & Above
3.35%
12 Months
$500 - $49,999
3.45%
$50,000 & Above
3.55%
18 Months
$500 - $49,999
3.45%
$50,000 & Above
3.55%
24 Months
$500 - $49,999
3.55%
$50,000 & Above
3.65%
36 Months
$500 - $49,999
3.75%
$50,000 & Above
3.85%
48 Months
$500 - $49,999
3.95%
$50,000 & Above
4.05%
60 Months
$500 - $49,999
4.25%
$50,000 & Above
4.35%

* APY (Annual Percentage Yield) calculations are based on monthly compound interest for checking and money market accounts and quarterly compound interest for savings and certificate accounts and assumes principal and interest remain on deposit at current rate for one year. However, rates are subject to change.

** APR (Annual Percentage Rate). The rate we are providing is the lowest rate available to most qualified members. The actual rate and payment amount you receive will reflect your individual circumstances and may be higher than the rate and payment amount disclosed initially.

*** Extra Awards - Reward bonus point program for free travel and merchandise.

WALL STREET JOURNAL PRIME RATE 5.00%

  • Dedicated Savings requires a $25 monthly deposit. Ask for details.
  • All rates subject to change without notice.
  • $1,000 minimum deposit for IRA Certificates.
  • Above Auto and RV loan rates are discounted .25% and require automatic payment. Ask about saving an additional .25% on your Auto or RV loan with Nirvana Checking.