| |
Annual Percentage
Rate (APR)
|
Annual Percentage
Yield (APY)
|
Minimum
Deposit
|
| Share Savings |
0.15%
|
0.15%
|
$10.00
|
| Kids Club |
0.15%
|
0.15%
|
$10.00
|
| Special/Vacation/Christmas |
0.01%
|
0.01%
|
$0.00
|
|
|
| Checking |
0.01%
|
0.01%
|
$0.00
|
|
|
| Money Market |
0.20%
|
0.20%
|
$2,500.00
|
| |
0.25%
|
0.25%
|
$5,000.00
|
|
| IRA Savings |
0.30%
|
0.30%
|
$0.00
|
|
|
| |
|
|
|
| Certificates of Deposit (Share and IRA)* |
|
| 6 months |
0.65%
|
0.65%
|
$1,000.00
|
| 12 months |
1.00%
|
1.00%
|
$1,000.00
|
| 18 months |
1.25%
|
1.26%
|
$1,000.00
|
| 24 months |
1.50%
|
1.51%
|
$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%*
|
3.95%*
|
3.95%*
|
5.00%*
|
| Used 2007 - 2010 |
3.95%*
|
3.95%*
|
3.95%*
|
N/A
|
| Used 2006 & 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%**
|
|
|
|
|
**Home Equity Loan rates may be higher depending on credit score.
|
| |
|
VISA
|
|
VISA/Variable Rate-Adjusted Semi-Annually
|
|
Tier
|
Max Limit |
APR as of 7/1/10 |
|
A
|
$10,000.00
|
9.25%
|
|
B
|
$7,500.00
|
12.25%
|
|
C
|
$5,000.00
|
15.25%
|
|
Individual rate (Tier) and credit limit based upon your credit score at the time of your completed application.
|
|
| |
|
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%*
|
|
|
|
|
