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| Rates |
Loan Rates |
||
Current Rates |
||
Loans |
Annual Percentage Rate (APR) |
Collateral |
|
New Vehicles |
As Low as 5.00%
|
New Vehicle
|
|
Used Vehicles |
As Low As 5.00%
|
Used Vehicle
|
|
Mobile Homes |
As Low As 8.00%
|
Mobile Homes not permanently attached to a foundation
|
|
Home Equity Real Estate |
As Low As 5.25%
|
1st Real Estate Mortgage
|
|
Home Equity Real Estate |
As Low As 5.25%
|
2nd Real Estate Mortgage
|
|
Real Estate |
Call for Current Rates
|
1st Real Estate Mortgages
Maturities more than 10 years
|
|
Signature |
As Low As 10.00%
|
Loan less than 100% Secured
Matures 12 months or less
|
|
Visa Classic |
9.90%
|
No annual fee, points can be earned for travel and merchandise
|
|
Visa Super Classic |
8.90%
|
$10.00 annual fee, points can be earned for travel and merchandise
|
|
Visa Share Secured |
7.90%
|
No annual fee, points can be earned for travel and merchandise
|
Share Savings Accounts Rates and Terms |
|||
As of Today |
|||
Type
of Account |
Dividend Rate |
Annual
Percentage Yield (APY) |
Requirements |
|
Regular Shares – (S1) |
.50%
|
.51%
|
$15.00 balance
|
|
Secondary Shares – (S2) |
.50%
|
.51%
|
None
|
|
Vacation Club – (S4) |
.50%
|
.51%
|
None
|
|
Christmas Club – (S5) |
.10%
|
.10%
|
None
|
|
Bonus - (S6) |
.75%
|
.75%
|
$0 - $4,999
|
|
Bonus - (S6) |
.90%
|
.90%
|
$5,000 - $9,999
|
|
Bonus - (S6) |
1.05%
|
1.06%
|
$10,000 - $24999.99
|
|
Bonus - (S6) |
1.20%
|
1.21%
|
$25000.00 - $49999.99
|
|
Bonus - (S6) |
1.35%
|
1.36%
|
$50,000.00 and over
|
|
Escrow - (S7) |
.10%
|
.10%
|
None
|
|
IRA Daily - (S8, S18, S60, S70) |
1.75%
|
1.77%
|
None
|
|
Dividend Bearing Share Drafts |
.10%
|
.10%
|
$750.00 minimum to avoid $7.50 fee
|
Regular Share Certificates |
|||
Effective Oct 19, 2009 |
|||
Term |
Dividend Rate |
Annual
Percentage Yield (APY) |
Minimum
Balance |
|
6 months |
1.44%
|
1.45%
|
$500 - $9,999 |
|
12 Months |
1.93%
|
1.95%
|
$500 - $9,999 |
|
24 Months |
2.23%
|
2.25%
|
$500 - $9,999 |
|
36 Months |
2.57%
|
2.60%
|
$500 - $9,999 (1 time bump offer)
|
|
48 Months |
2.82%
|
2.85%
|
$500 - $9,999 (1 time bump offer)
|
|
60 Months |
3.32%
|
3.35%
|
$500 - $9,999 (1 time bump offer) |
|
6 Months |
1.59%
|
1.60%
|
$10,000 and Over |
|
12 Months |
2.08%
|
2.10%
|
$10,000 and Over Limited time offer |
|
24 Months |
2.37%
|
2.40%
|
$10,000 and Over
|
|
36 Months |
2.72%
|
2.75%
|
$10,000 and Over (1 time bump offer)
|
|
48 Months |
2.97%
|
3.00%
|
$10,000 and Over (1 time bump offer)
|
|
60 Months |
3.47%
|
3.50%
|
$10,000 and Over (1 time bump offer) |
|
18 Months Special |
2.18%
|
2.20%
|
$5,000 and Over (1 time bump after 6 mo.) |
IRA Share Certificates |
|||
Effective Oct 19, 2009 |
|||
Term |
Dividend Rate |
Annual
Percentage Yield (APY) |
Minimum
Balance |
| 6 months |
1.59%
|
1.60%
|
$500 and Over |
| 12 Months |
2.08%
|
2.10%
|
$500 and Over |
| 24 Months |
2.37%
|
2.40%
|
$500 and Over |
| 36 Months |
2.72%
|
2.75%
|
$500 and Over (1 time bump after 1 year)
|
| 48 Months |
2.97%
|
3.00%
|
$500 and Over (1 time bump after 1 year)
|
| 60 Months |
3.47%
|
3.50%
|
$500 and Over (1 time bump after 1 year) |
| 18 Months Special |
2.18%
|
2.20%
|
$5000 and Over (1 time bump after 6 mo.) |
