Blue Water Federal Credit Union


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APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

Fill out a loan application online!

Rates as of 1/27/2012.
Rate Description	Term	Payment Description	APR	APR Type
2012 - 2011 Vehicles/Mtr Cycles	APPROXIMATELY 72 Months	$15.20 per 1000 borrowed	3.00%	Fixed
2010 - 2009 Vehicles/Mtr Cycles	APPROXIMATELY 66 Months	$16.68 per 1000 borrowed	3.50%	Fixed
2008 Vehicles/Mtr Cycles	APPROXIMATELY 60 Months	$18.31 per 1000 borrowed	3.75%	Fixed
2007 Vehicles/Mtr Cycles	APPROXIMATELY 54 Months	$20.27 per 1000 borrowed	4.00%	Fixed
2006 Vehicles/Mtr Cycles	APPROXIMATELY 48 Months	$22.70 per 1000 borrowed	4.25%	Fixed
2005 - 2003 Vehciles/Mtr Cycles	APPROXIMATELY 42 Months	$25.90 per 1000 borrowed	4.75%	Fixed
2002 Vehicles/Mtr Cycles	APPROXIMATELY 30 Months	$35.53 per 1000 borrowed	5.00%	Fixed
Home Equity or Refinance up to $50,000.00	5 Year Fixed	$18.31 per 1000 borrowed	3.75%	Fixed
Home Equity or Refinance up to $50,000.00	5 Year Balloon @ 180 months	$7.28 per 1000 borrowed	3.75%	Fixed
Home Equity or Refinance over $50,000.00	5 Year Balloon @ 360 Months	$4.64 per 1000 borrowed	3.75%	Fixed
Home Equity or Refinance up to $50,000.00	7 Year Fixed	$13.67 per 1000 borrowed	4.00%	Fixed
Home Equity or Refinance up to $50,000.00	7 Year Balloon @ 180 months	$7.40 per 1000 borrowed	4.00%	Fixed
Home Equity or Refinance over $50,000.00	7 Year Balloon @ 360 Months	$4.78 per 1000 borrowed	4.00%	Fixed
Home Equity or Refinance up to $50,000.00	10 Year Fixed	$10.25 per 1000 borrowed	4.25%	Fixed
Home Equity or Refinance over $50,000.00	10 Year Balloon @ 360 months	$4.93 per 1000 borrowed	4.25%	Fixed
Home Equity or Refinance up to $50,000.00	15 Year Fixed	$7.66 per 1000 borrowed	4.50%	Fixed
Home Equity or Refinance over $50,000.00	15 Year Balloon @ 360 months	$5.07 per 1000 borrowed	4.50%	Fixed
Home Equity Variable Line of Credit 1.50% Above Prime Rate	1.47% Of Beginning Balance	$14.70 per 1000 borrowed	4.75%	Variable
VISA - Platinum	4% of Outstanding Balance	$40.00 per 1000 borrowed	12.96%	Fixed
Boats and Other Water Crafts	Maximum of Approx 120 Months	$11.61 per 1000 borrowed	7.00%	Fixed
Recreational Vehicles	Maximum of Approx 120 Months	$11.61 per 1000 borrowed	7.00%	Fixed
Signature Loans Depends on Amount Borrowed Rate Quoted Is The Average Rate	Up to $10,000 for Approx 5 Years	$22.26 per 1000 borrowed	12.00%	Fixed

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates

Rates as of 1/27/2012.
Rate Description	Term	Dividend Rates	APY
Six Month Certificate	Non Compounding - Paid Mthly	.35%	0.35%
One Year Certificate	Non Compounding - Paid Mthly	.50%	0.50%
Three Year Certificate	Non Compounding - Paid Mthly	.75%	0.75%

NOTE: Early withdrawal from certificates will be subject to a dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any feeson these accounts that could reduce your earnings.

Savings/Shares Rates

Rates as of 1/27/2012.
Rate Description	Term	Dividend Rates	APY
Money Management	Rate effective 12/1/11	0.25%	0.25%
Regular Shares up to $199.99	Dividend Declared 12/13/11 Paid 01/01/12	0.10%	0.10%
Regular Shares $200.00 & Over	Dividend Declared 12/13/11 Paid 01/01/12	0.15%	0.15%
Special Acct up to $199.99	Dividend Declared 12/13/11 Paid 01/01/12	0.10%	0.10%
Special Acct $200.00 & Over	Dividend Declared 12/13/11 Paid 01/01/12	0.15%	0.15%
Holiday Savings - All Amts	Dividend Declared 12/13/11 Paid 01/01/12	0.15%	0.15%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs

Rates as of 1/27/2012.
Rate Description	Term	Dividend Rates	APY
Regular Deposit Account	Dividend Declared 12/13/11 Paid 01/01/12	1.00%	1.00%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Share Draft

Rates as of 1/27/2012.
Rate Description	Term	Dividend Rates	APY
No Minimum Balance Required	No Transaction Fees Only Special Fees Apply	0.00%	0.00%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Location:

526 Water Street, Ste 113

Port Huron, MI 48060

Office: 810-985-6993

Fax: 810-985-4039

Hours of Operation:

Mon:	9:00 - 4:30
Tues:	9:00 - 4:30
Wed:	9:00 - 4:30
Thurs:	9:00 - 4:30
Fri:	8:00 - 4:30