Loans

Rates effective as of 08-20-2008

*APR = Annual Percentage Rate 

Please click on "calculators" above to help you make financial decisions and be sure
 to contact us with any questions.  Thank you.

Titled Vehicle Loans	Term	Rate**	APR*
2007-2008	36 months	4.50%	4.50%
Special **      $15,000. minimum	48 months	4.50%	4.50%
Special **      $15,000. minimum	55 months	4.50%	4.50%
Special **      $15,000. minimum	60 months	4.50%	4.50%
Special **      $15,000. minimum	72 months	5.50%	5.50%
2005-2006	36 months	5.25%	5.25%
	48 months	5.50%	5.50%
	60 months	5.75%	5.75%
2004	36 months	5.75%	5.75%
	48 months	6.00%	6.00%
	60 months	6.25%	6.25%
2002-2003	36 months	6.00%	6.00%
	48 months	6.25%	6.25%
1999-2001	36 months	7.75%	7.75%
	48 months	8.25%	8.25%

*APR=Annual Percentage Rate
**No additional discounts apply. For a limited time. Call for details

Boats, RV's, Wave Runners, 4-Wheelers - Untitled Vehicles	Term	Rate**	APR*
New	50 months	6.4%	6.4%
Used	36 months	7.5%	7.5%

Share Backed Loan

Kwik Cash Line of Credit //Kwik Reserve Overdraft Protection Loan

Signature Loan

For information, please contact a loan officer.

**Bay Shore Credit Union has adopted a reflective lending system for determining the rate on your loan.  This means that the better your credit experience is, the lower your rate will be.  Unless otherwise noted, rates are the best we have to offer.  For more information, please contact a loan officer.   Rates 1/4% higher if member does not have an active share draft account.  Rate subject to eligibility requirements and may change without notice. 

Vehicles must have full coverage insurance.

Credit Life and Credit Disability coverage is available.  Contact a loan officer.

Shop and compare invoice price to sticker price.  Call the credit union with information about the car or truck you are interested in, include dealer invoice information and option packages, and we wil look up the book price on it.  This service is free to our members.

       CU Members Mortgage

 Mortgages

Bay Shore Credit Union offers a variety of competitively priced mortgage financing options including:

Fixed Rate Mortgages
Balloon Mortgages
Adjustable Rate Mortgages
Home Equity Revolving Line of Credit

We have loans available for purchases as well as refinances for primary residence, investment properties, land and recreational properties. 

Rates may change daily.  Call for current rates 715-732-0065.  Private Mortgage insurance may be required on loans over 80% LTV.

Share Accounts

Christmas/Vacation Clubs and Custodial/Organizational Accounts also available.  Call the Credit Union for more information.

Dividends compounded and paid monthly.  Fees could reduce earnings on the account.  Rates subject to change without notice.
*APY = Annual Percentage Yield
**55 Year Anniversary Special

  Share Certificates

*APY = Annual Percentage Yield
**Certificate Special

Certificates Also Available for IRA's
Ask about a Roth, Traditional and Coverdell Education Savings Accounts.

With our Share Certificates, you can deposit affordable amounts for specific term (for example, $500 for 24 months), and earn impressive dividends.  Once the term is up, you can remove the funds or roll your money into another high-earning Certificate.

Rates Subject to change without notice.  Substantial penalty for early withdrawal.  Fees could reduce the earnings on the account.

KIDSCertificates are also available for 12, 24 and 36 months.  Minimum deposit is $100.  

Money Market (P.I.E.-Personal Investment Equity Account)

Deposit Amount	Rate	APY*
$3000-9999.99	1.50%	1.510%
$10,000.-24,999.99	3.130%	1.510-2.509%
$25,000 and over	3.250%	2.509-3.002%

*APR=Annual Percentage Yield
Rates subject to change without notice.  Fees could reduce the earnings on the account.

Minimum balance requirements - The minimum balance that is required to open this account is $3,000.00.  You must maintain a minimum daily balance of $3,000.00 in your account each day to earn the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividend on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Compounding and crediting - Dividends will be compounded every month.  Dividends will be credited to your account every month.

Transaction limitations - The minimum amount you may withdraw is $1,000.00 per withdrawal or dividends.

Rate information - The dividend)   rate and annual percentage yield may change every dividend period.  We may change the dividend rate for your account as determined by the credit union board of directors.