PDF Bellwether Community Credit Union

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memberbenefits

Source: Datatrac, NCUA, and CUNA. (1) Rates and fees as of 12/14/2021. (2) Assumes 2.1 credit union members per household. (3) A "loyal member" is assumed to have a $30,000, 60-month new auto loan, a classic credit card with an average balance of $5,000, a $200,000, 30-year fixed rate mortgage (a 30-year fixed rate mortgage is replaced with a 5-year adjustable rate mortgage if it yields a greater benefit as it is assumed more in demand) , $5,000 in an interest-bearing checking account, $10,000 in a one-year certificate account, and $2,500 in a money market account.

Savings Product Comparative Interest Rates (%)

by Savings Account Type

Retirement (IRA) accounts

0.11

1 Year certificate $10,000 balance

0.18

Money Market Accounts

0.04

Share draft checking, $5,000 balance

0.03

Regular savings, $1,000 balance

0.04

New Hampshire Banks

Your Credit Union

Loan Product Comparative Interest Rates (%)

by Loan Type

10.86 8.25

13.74

13.83

8.99

8.99

4.93 4.52

2.64

2.64

3.31 2.75

2.50 2.76

3.25 3.30

3.81 3.00

60-month new car (A paper)

48-month used Unsecured loan 5-year adjustable 15-year fixed rate 30-year fixed rate Home equity /

car (A paper)

(A paper)

rate 1st

1st mortgage, 0 1st mortgage, 0 2nd mtg, 80% LTV

mortgage, 0 pts

pts

pts

0 pts

Credit card classic

Credit card platinum

Your Credit Union

New Hampshire Banks

Comparative Fees

by Type

$1,389.75

$1,361.00

$30.00

$35.00

Bellwether Community Credit Union

Share draft checking, NSF fee

Credit cards, late fee

$30.79

$34.18

Area Banks

Mortgages, closing costs

Interest Rates at Bellwether Community Credit Union

and Banking Institutions in New Hampshire

Loan Products

60-month new car (A paper) 48-month used car (A paper) Unsecured loan (A paper) 5-year adjustable rate 1st mortgage, 0 pts 15-year fixed rate 1st mortgage, 0 pts 30-year fixed rate 1st mortgage, 0 pts Home equity / 2nd mtg, 80% LTV 0 pts Credit card - classic Credit card - platinum

Rate at your

Credit Union (%) *

2.64 2.64 8.25 2.75 2.50 3.25 3.00 8.99 8.99

Average Rate

at Banks (%) *

4.52 4.93 10.86 3.31 2.76 3.30 3.81 13.74 13.83

Savings Products

Regular savings, $1,000 balance

0.01

0.04

Share draft checking, $5,000 balance

0.01

0.03

Money Market Accounts

0.05

0.04

1 Year certificate $10,000 balance

0.25

0.18

Retirement (IRA) accounts

0.15

0.11

Fee Income

Share draft checking, NSF fee Credit cards, late fee Mortgages, closing costs

$30.00 $35.00 $1,389.75

$30.79 $34.18 $1,361.00

Rate Difference vs. Banks (%) -1.88 -2.29 -2.61 -0.56 -0.26 -0.05 -0.81 -4.75 -4.84

-0.03 -0.02 0.01 0.07 0.04

-$0.79 $0.82 $28.75

*Rates and fees as of 12/14/2021. Credit union rates provided by individual credit union, bank rates provided by Datatrac.

Y

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C by Loan Type $1,708,016

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t

U

n

i

o

n

$335,646

'

$130,901

s

$145,923

$128,954

T

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L

$465,887

$436,868

$50,524

Your Credit Union's Total Savings Dividend Benefits

Compared to Banking Institutions in Your State

by Account Type

$61,467

$21,570

$13,014

-$27,484 Regular shares

-$10,484

Share draft checking

Money market accounts

Certificate accounts

Retirement (IRA) accounts

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