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| Rates |
Savings Rates
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| Account Type |
Terms |
Dividend Rate |
Annual Percentage Yield (APY) |
| Share Savings |
Minimum balance of $5.00 required |
0.30% |
0.30% |
| Special Savings |
No Minimum balance required |
0.30% |
0.30% |
| Money Market |
$1,000.00 Min. balance required to earn stated APY, otherwise share APY will apply |
.55% |
.55% |
| Club Account |
No Minimum balance required |
0.30% |
0.30%
|
| IRA Account |
No Minimum balance required |
1.50% |
1.51% |
| 6 Month Certificate of Deposit (same rate for IRA Certificate) |
$1,000.00 Minimum balance required |
1.00% |
1.00% |
| 9 Month Certificate of Deposit |
$1,000.00 Minimum balance required |
1.00% |
1.00% |
| 12 Month Certificate of Deposit (same rate for IRA Certificate) |
$1,000.00 Minimum balance required |
1.15% |
1.156% |
| 15 Month Certificate of Deposit |
$1,000.00 Minimum balance required |
1.15% |
1.156% |
| 18 Month Certificate of Deposit |
$1,000.00 Minimum balance required |
1.25% |
1.26% |
| 24 Month Certificate of Deposit (same rate for IRA Certificate) |
$1,000.00 Minimum balance required |
1.75% |
1.76%
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Loan Rates
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| Loan Type |
Maximum Loan Amount |
Terms |
Annual Percentage Rate (APR) |
Payment Per $1,000 |
| Personal Unsecured |
Up to $5,000 |
Maximum Term 3 years |
Rates as low as 11.25%* |
$32.87 |
| Personal with co-maker |
Up to $7,500 |
Maximum Term 4 years for amount over $5,000 |
Rates as low as 11.25%* |
$25.98 |
| Savings Secured |
Up to $50,000 |
Maximum Term 5 years |
3% above rate on account used as security |
Varies depending on account used as security |
| Overdraft Line of Credit |
Up to $500 |
|
15.00% |
Based on $500 payment $17.33 |
| New Auto |
Up to $50,000 |
Maximum Term 6 years |
Rates as low as
3.74%*
|
Payments as low as $15.53 |
| Used Auto |
Up to $50,000 |
Maximum Term 5 years / 1 to 3 Yr Old Auto
Maximum Term 4 years / 4 to 7 Yr Old Auto |
Rates as low as
4.74%*
|
Payments as low as $18.76 |
| Tuition |
Up to $12,000 |
Maximum Term 7 years |
7.50%* |
$15.35 |
| Motorcycle (New & Used) |
Up to $50,000 |
Maximum Term 4 years |
9.25%* |
$25.02 |
| Boat (New and Used) |
Up to $50,000 |
Maximum Term 5 years |
Rates as low as
9.75%*
|
Payments as low as $21.14 |
| Home Equity Line of Credit |
80% LTV or $150,000 Maximum |
5 year draw and a 10 year payback |
Prime |
$19.68 |
| Home Equity (1-4 unit owner occupied) |
80% LTV or $150,000 Maximum |
5 year |
4.75%* |
$18.76 |
| 7 year |
5.00%* |
$14.14 |
| 10 year |
5.25%* |
$10.74 |
| CU must be first mortgagee |
15 year |
5.75%* |
$8.31 |
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*Rate reflects 1/4% off of qualifying rate if paid through payroll deduction or automatic transfer. Offer good through 2010.
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