| |
Annual Percentage
Rate (APR)
|
Annual Percentage
Yield (APY)
|
Minimum
Deposit
|
| Share Savings |
0.20%
|
0.20%
|
$10.00
|
| Kids Club |
0.20%
|
0.20%
|
$10.00
|
| Special/Vacation/Christmas |
0.01%
|
0.01%
|
$0.00
|
|
|
| Checking |
0.01%
|
0.01%
|
$0.00
|
|
|
| Money Market |
0.25%
|
0.25%
|
$2,500.00
|
| |
0.35%
|
0.35%
|
$5,000.00
|
|
| IRA Savings |
0.35%
|
0.35%
|
$0.00
|
|
|
| |
|
|
|
| Certificates of Deposit (Share and IRA)* |
|
| 6 months |
0.96%
|
0.96%
|
$1,000.00
|
| 12 months |
1.31%
|
1.32%
|
$1,000.00
|
| 18 months |
1.56%
|
1.57%
|
$1,000.00
|
| 24 months |
1.86%
|
1.88%
|
$1,000.00
|
| 36 months |
2.00%
|
2.02%
|
$1,000.00
|
|
|
|
*Certificate rates are subject to change without notice. Penalty for early withdrawal.
|
| |
| Loan Rates |
|
Automobile/Boat/Motorcycle Loans
|
|
|
Rates
|
|
36 months
|
48 months
|
60 months
|
72 months
|
| New - Never Titled |
3.75%*
|
4.25%*
|
4.50%*
|
5.50%*
|
| Used 2008 - 2010 |
4.50%*
|
4.50%*
|
4.50%*
|
N/A
|
| Used 2007 & Older |
7.00%*
|
7.25%*
|
N/A
|
N/A
|
|
*Rate may be higher depending on credit score.
|
| |
|
Home Equity Loans
|
|
Fixed Rates
|
5 Yrs.
|
10 Yrs.
|
15 Yrs.
|
| 75% of Value - less 1st mortgage balance |
5.50%**
|
6.50%**
|
7.50%**
|
|
|
|
| |
|
Variable Rates*
|
Maximum Term: 20 Yrs.
|
| 75% of Value - less 1st mortgage balance |
Base rate 6.00%*
|
|
|
*Rate subject to change quarterly with Prime Rate.
**Home Equity Loan rates may be higher depending on credit score.
|
| |
|
VISA
|
| |
FICO SCORE
|
| Card Type |
710+ |
670-709 |
640-669 |
600-639** |
550-599** |
|
Classic 14.50%
|
$5,000.00
|
$5,000.00
|
$5,000.00
|
$2,500.00
|
$500.00 |
|
Gold 10.90%
|
$10,000.00
|
$10,000.00
|
N/A
|
N/A
|
N/A |
|
Platinum 7.90%
|
$15,000.00
|
N/A
|
N/A
|
N/A
|
N/A |
|
|
|
| |
|
Signature Loans
Minimum Amount: $500.00
Maximum Amount: $15,000.00
Maximum Term: 60 Months
Annual Percentage Rate APR: 8% - 15%
Rate is dependent on credit score
|
|
|
Share Loans
|
| 50% Share Secured |
|
|
Term
|
|
|
24 months
|
4.75%*
|
|
36 months
|
5.00%*
|
| 48 months |
5.25%*
|
| 60 months |
5.50%*
|
|
|
|
| 100% Share Secured |
|
|
Term
|
|
|
24 months
|
3.75%*
|
|
36 months
|
4.00%*
|
| 48 months |
4.25%*
|
| 60 months |
4.50%*
|
|
|
|
|
