Rates

Announced Rates for 1st Quarter 2009

APR = Annual Percentage Rate
APY = Annual Percentage Yield

Account

Rate Type

APR

APY

Everyday Checking* Variable 0.25% 0.25%
Senior Advantage Checking* Variable 0.50% 0.50%

Regular Shares **

Variable

0.50%

0.50%

Secondary Shares **

Variable

0.50%

0.75%

Holiday Club

Variable

0.50%

0.50%

Custom Club

Variable

0.50%

0.50%

Share IRA

Variable

1.00%

1.01%

Share Roth

Variable

1.00%

1.01%

24 Month IRA CD

Fixed

3.19%

3.22%

36 Month IRA CD

Fixed

3.44%

3.48%

60 Month Roth CD

Fixed

4.00%

4.06%

6 Months CD

Fixed

2.54%

2.56%

9 Months CD

Fixed

2.64%

2.66%

12 Months CD Fixed 2.89% 2.92%

24 Months CD

Fixed

3.30%

3.34%

36 Months CD

Fixed 3.50% 3.54%

*Must maintain an average balance of $1,000 to earn dividends.

**Minimum Balance of $200 to earn dividends.
On the above accounts, dividends are calculated on the Average Daily Balance method, compounded and paid quarterly.

Money Market Accounts  (Rates are effective November 1, 2008 (subject to change monthly)
Minimum to earn dividends is $2,500.00.

Tiered Balances APR APY
$2,500.01 - $20,000 1.45% 1.46%
$20,000.01 - $50,000 1.85% 1.86%
$50,000 - + 2.00% 2.01%

Dividends on the above account, dividends are calculated on the Average Daily Balance method and paid monthly.  The rate type is considered variable.

 

 Loan Rates are disclosured as APR (Annual Percentage Yield)
Please allow 48 hours to process your loan request after we received it.

 

New & Used Boats

as low as 6.59%

Term based on amount Financed
Up to 120 months and 12 model years old

Signature Loan

12.75%

Minimum Payment Schedule

Computer Loan

6.50%

Term not to exceed 36 months - $5,000 limit

Overdraft Loan Protection

16.00%

Maximum Credit Line is $2,500

Share Certificate Secured Loan Certificate Rate + 2% Based on term of the Certificate

Savings Secured Loan

3.99%

Savings used as Collateral

   New Vehicles

as low as 4.20%

100% Financing for up to 36 months

(UBS)

as low as 4.45%

100% Financing for 37 - 48 months

(MVCP)

as low as 4.95%

100% Financing for 49 - 60 months

 

as low as 5.45%

100% Financing for 61 - 72 months

 

as low as 5.70%

100% financing for 73 - 84 months ($25,000 +)

     

Used Vehicles

as low as 5.45%

115% of the NADA Retail Value
Model Years: 2003 – 2007 for  up to 60 months

 (UBS) (MVCP)

as low as 5.70%

115% of the NADA Retail Value
Model Years: 2000 – 2002 for up to 48 months

Older Used Vehicles

as low as 6.80%

Over 7 model years old NADA Retail Value must be $5,000+

Older Used Motorcycle

as low as 6.80%

Over 7 model years old NADA Retail Value must be $1,000+

New RVs

as low as 6.59%

100% Financing up to 120 months

Used RVs

as low as 6.85%

NADA Retail Value up to 120 months and 15 model years

Home Equity Line of Credit

5.00%

Variable - Rate is Prime + 0% / Floor rate 5% / Loan-to-Value Ratio 90%. 

Second Mortgages

5.24%
6.74%

60 - 84 months      -   80% and under LTV
60 - 84 months      -   81% - 90% LTV

 

 

5.99%
7.24%

85 - 120 months    -  80% and under LTV
85 - 120 months    -  81% - 90% LTV

 

 

6.74%
7.74%

121 - 180 months  - 80% and under LTV
121 - 180 months -  81% - 90% LTV

 

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