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Click Here for
Savings Rates
Rates effective March 19, 2008
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 |
2001 - 2008 |
as
low as 2.99%*** for 24 months with checking and direct deposit/
as low as 4.99% 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, 2008
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 |
0.45% |
0.45% |
|
$1,000.00 - $2,499.99 |
0.60% |
0.60% |
|
$2,500.00 & Higher |
0.95% |
0.95% |
|
| |
|
|
|
| Checking Accounts (dividends
paid monthly on daily balances) |
< $5000.00 |
0.00% |
0.00% |
|
$5,000 & Higher |
0.50% |
0.50% |
| Daily Investment Account |
< $1,000.00 |
0.00% |
0.00% |
| |
$1,000.00 - $9,999.99 |
0.45% |
0.45% |
|
$10,000 - $49,999.99 |
0.90% |
0.90% |
|
$ 50,000 - $99,999.99 |
1.15% |
1.16% |
|
$100,000 & Higher |
1.65% |
1.66% |
|
|
|
|
| Money Market Accounts (dividends
paid monthly on daily balances) |
< $1000.00 |
0.00% |
0.00% |
|
$1,000.00 - $2,499.99 |
0.90% |
0.91% |
|
$2,500.00 - $9,999.99 |
1.05% |
1.06% |
|
$10,000.00 - $ 24,999.99 |
1.05% |
1.06% |
|
$25,000.00 & $99,999 |
1.35% |
1.36% |
|
$100,000 & Higher |
1.95% |
1.97% |
| IRA Savings (dividends
paid monthly on daily balances) |
< $ 50.00 |
0.00% |
0.00% |
|
$50 & Higher |
2.00% |
2.02% |
Share Certificates* /
IRA Share Certificates*
Add 25 basis points to the current rate for balances of $100,000 and higher; we will match all locally advertised rates within 25 basis points of our current rates and terms. |
|
|
|
| 6 months** |
$1,000.00 & higher |
2.30% |
|
| 1 Year |
$1,000.00 & higher |
2.50% |
2.53% |
| 2 Years |
$1,000.00 & higher |
2.70% |
2.73% |
| 3 Years |
$1,000.00 & higher |
3.35% |
3.40% |
| 4 Years |
$1,000.00 & higher |
3.50% |
3.56% |
| 5 Years |
$1,000.00 & higher |
3.65% |
3.71% |
CURRENT SPECIALS*
Rate Match up to 25bp; No Jumbo Bonus for balances of $100,000 and higher |
| 2 Year CD Special † |
$1,000.00 & higher |
3.30% |
3.35% |
| 2 Year CD Special § |
$1,000.00 & higher |
3.40% |
3.45% |
† This special is available limited to $2 million.
§ This special is available for Members with checking and direct deposit. Program limited to $2 million.
|
* 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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