|
 |
Rates Valid January 5, 2009
(Rates subject to change)
Deposit Accounts
|
Type
|
Minimum
|
Term
|
Rate (APY)*
|
Adjustment Schedule
|
|
Share Account (Savings)
|
$5.00 minimum
to open an account
|
N/A
|
.40%
(Last Quarter)
|
Board Decision - end of each quarter
|
|
Share Draft (Checking)
|
$5.00 minimum
to open an account
|
N/A
|
no interest,
no monthly fee
|
N/A
|
*APY = Annual Percentage Yield
Money Market Accounts
|
Type
|
Minimum
|
Term
|
Rate (APY)*
|
Adjustment Schedule
|
|
Money Market
|
1,500 - 9,999.99
10,000 - 24,999.99
25,000 - or more
|
N/A
|
.20%
.24%
.32%
|
Rates adjusted weekly
Dividends Paid Quarterly
|
*APY = Annual Percentage Yield
Certificate Accounts
|
Type
|
Term
|
$1,000 to $4,999
|
$5,000 or more
|
Adjustment Schedule
|
|
Share Certificates
|
3 month
6 month
9 month
12 month
18 month
2 year
3 year
5 year
|
.20%
0.62%
0.60%
1.35%
1.05%
1.46%
1.95%
2.45%
|
0.40%
1.37%
1.17%
1.80%
1.80%
2.21%
2.70%
3.20%
|
Rate set at inception
(Rates for each term
are reviewed weekly)
All rates are APY
(Annual Percentage Yield)
|
IRA Saving & Certificate Accounts
|
Type
|
Term
|
Rate
|
Adjustment Schedule
|
|
Simple or Roth IRA
Share Account
|
N/A
|
.50%
(last Quarter)
|
Rate declared quarterly by Board
|
|
Simple or Roth IRA
Share Certificates
|
12 month
($5,000 or more)
|
1.80%
|
Rate set at inception
(adjusted weekly)
All rates are APY
(Annual Percentage Yield)
|
Consumer Loans
|
Loans
|
Limit
|
Term
|
Rate (APR)
|
Security
|
|
Share Secured
|
Limited to the amount of shares you have
|
Any
|
Share rate plus 2%
|
Your shares
|
|
Personal Loan
|
$15,000**
|
1-2 years
3-4 years
5 years
|
8.75%*
9.50%*
9.75%*
|
Your signature
|
|
Home Improvement Loan
|
$15,000**
|
1-2 years
3-4 years
5 years
|
7.00%*
7.75%*
8.00%*
|
Your signature
|
|
New Auto Loan
|
100% of retail value***, tax, title, and GAP insurance
|
1-3 years
4-6 years
|
5.50%*
5.75%*
|
Lien on vehicle and insurance
|
|
Used Auto Loan
(Term is based on age of vehicle)
|
100% of book value***, tax, title, GAP insurance
|
1-2 years
3-4 years
5-6 years
|
5.75%*
6.00%*
6.25%*
|
Lien on vehicle and insurance
|
|
New Motorcycle, Boat, RV, Plane
(Terms over 6 years are not availabe for motorcycles)
|
100% of retail value
|
1-2 years
3-4 years
5-7 years
8-10 years
|
6.25%*
6.50%*
6.75%*
7.25%*
|
Lien on vehicle and insurance
|
|
Used Motorcycle, Boat, RV, Plane
(Terms over 6 years are not available for motorcycles)
|
100% of book or appraised value
|
1-2 years
3-4 years
5-6 years
7-9 years
|
7.25%*
7.50%*
7.75%*
8.25%*
|
Lien on vehicle and insurance
|
| Student Education Loan |
$30,000**
|
10 years total
4 years int. only
6 years Principal & Interest
|
5.00%
(variable)
|
Your Signature
|
|
*Rates shown are based on excellent credit. A less than excellent credit score will increase your rate.
**Maximum dollar amount of loan based on excellent credit.
A less than excellent score will decrease the amunt you are eligible to borrow.
*** $15,000 limit for credit scores below 600.
All rates are subject to change.
|
APR = Annual Percentage Rate
Mortgage Loans
|
Type
|
Limit
|
Term
|
Rate (APR)
|
Security
|
|
First Mortgages
|
Click here for
Today's Mortgage Rates
|
10-30 years
|
Click on Link
|
Mortgage Lien
and homeowner's insurance
|
|
Home Equity
Line of Credit
|
90% of value less first mortgage.
Minimum of $10,000
|
amortized over 15 years
|
5.00%
Variable
|
Mortgage Lien
and homeowner's insurance
|
APR = Annual Percentage Rate
|
