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Click Here for
Savings Rates
Rates effective July 30, 2010
and are subject to change without notice.
Call
us for the latest rates. Rates are based on your credit score.
| Auto Loan Rates |
Model
Year |
Annual
Percentage Rate |
2003 or Newer |
as
low as 3.99%*** for 24 months with checking and direct deposit/
as low as 5.99% for 60 months |
| 100% Financing is available on all auto loans. Discounts apply for direct deposit & down payments! Terms up to 72 months. Warranties, Gap Insurance and Credit Insurance available. Ask about our Equity Lite Auto Loan! |
| Fixed Rate Home Equity Loans |
Term |
Loan
to Value % (LTV) |
Fixed Rate Second Mortgage |
Loan
to Value % (LTV) |
Variable Rate Home Equity Lines of Credit |
5 Years |
85% |
As
low as 5.25% |
* |
* |
5
Years |
100% |
As
low as 6.75% |
* |
* |
7
Years |
85% |
As
low as 6.25% |
* |
* |
7
Years |
100% |
As
low as 7.75% |
* |
* |
10
Years |
85% |
As
low as 6.49% |
* |
* |
10
Years |
100% |
As
low as 7.99% |
* |
* |
15
Years |
85% |
As
low as 6.99% |
85% |
NEW! as low as Prime minus 1.50%
(5.00% Floor) |
15
Years |
100% |
As
low as 8.49% |
90% |
As low as Prime plus 1%
(6.25%) |
| Second Mortgages are a one time payout of all loan proceeds. No closing costs or pre-payment penalties for $5,000 or more. |
| Lines of Credit allow you to borrow as you need up to the credit line. No Closing costs or pre-payment penalties for $5,000 and more. $35 annual fee.
*All lines of credit allow up to a 15 year re-payment term and maturity. The draw period for accessing the line of credit is 10 years. |
|
|
Personal Loans and VISA Credit Card Rates
) |
|
|
Annual
Percentage Rate |
| Personal / Signature Loans |
Fixed Rate |
As low as 10.00% |
| "Quick
Cash" Credit Line |
Variable Rate |
3.00%
over Prime |
| Overdraft
Protection Loan |
Monthly
Payments as low as $20 |
15.00% Fixed Rate |
| VISA |
Mileage, Reward and Student Cards |
Call for Rates & Terms |
| Share Secured Loans |
Secured by Savings Account |
Call for Rates & Terms |
SAVINGS RATES
(Rates effective July 1, 2010
and are subject to change without notice.) |
Account Type |
Balance |
Dividend Rate |
Annual Percentage
Yield |
| Savings/Christmas Club (dividends
paid monthly on daily balances) |
< $100.00 |
0.00% |
0.00% |
|
$100.00
- $999.99 |
0.00% |
0.00% |
|
$1,000.00 - $2,499.99 |
0.20% |
0.20% |
|
$2,500.00 & Higher |
0.30% |
0.30% |
|
| |
|
|
|
| Checking Accounts (dividends
paid monthly on daily balances) |
< $5000.00 |
0.00% |
0.00% |
|
$5,000 & Higher |
0.10% |
0.10% |
| Daily Investment Account |
< $1,000 |
0.00% |
0.00% |
| |
$1,000 - $2,499 |
0.00% |
0.00% |
|
$2,500 - $9,999 |
0.00% |
0.00% |
|
$10,000 - $24,999 |
0.25% |
0.25% |
|
$25,000 - $99,999 |
0.35% |
0.35% |
|
$100,000 & higher |
0.45% |
0.45% |
| Money Market Accounts (dividends
paid monthly on daily balances) |
< $1,000 |
0.00% |
0.00% |
|
$1,000 - $2,499 |
0.10% |
0.10% |
|
$2,500 - $9,999 |
0.30% |
0.30% |
|
$10,000 - $24,999 |
0.35% |
0.35% |
|
$25,000 - $99,999 |
0.45% |
0.45% |
|
$100,000 & higher |
0.55% |
0.55% |
| IRA Savings (dividends
paid monthly on daily balances) |
< $ 50.00 |
0.00% |
0.00% |
|
$50 & Higher |
0.50% |
0.50% |
Share Certificates* /
IRA Share Certificates*
Add 10 basis points to the current rate for members with checking and direct deposit. Add 10 basis points for any open loan. |
|
|
| 6 months** |
$1,000.00 & higher |
0.65% |
|
| 1 Year |
$1,000.00 & higher |
0.80% |
0.80% |
| 2 Years |
$1,000.00 & higher |
1.30% |
1.31% |
| 3 Years |
$1,000.00 & higher |
1.80% |
1.82% |
| 4 Years |
$1,000.00 & higher |
2.10% |
2.12% |
| 5 Years |
$1,000.00 & higher |
2.50% |
2.53% |
Due to the market conditions, ther are no CD rate specials at this time.
* 90 day dividend penalty for early withdrawal. ** Not available under the IRA Share Certificate Program.
Certificate rates are subject to change without notice.
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