|
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
|
|
|
