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|
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Effective date April 1, 2008
Deposit Accounts ($25.00 Minimun)
|
Dividend Rate
|
APY*
|
|
|
| Saving Accounts |
1.25% |
1.26% |
|
|
| Checking Accounts - No monthly fees |
0.50% |
0.50% |
|
|
| Christmas Clubs |
1.25% |
1.26% |
|
|
| Vacation Clubs |
1.25% |
1.26% |
|
|
| Win Accounts |
1.25% |
1.26% |
|
|
| IRA Accounts |
1.75% |
1.76% |
|
|
| Term Share Certificates ($1,000 Minimun) |
Dividend Rate |
APY* |
|
|
| 6 Months |
2.75% |
2.78% |
|
|
| 12 Months |
3.00% |
3.04% |
|
|
| 24 Months |
3.10% |
3.14% |
|
|
| Loans |
APR* |
Term |
Monthly Payment Per $1,000 |
|
| Unsecured Personal |
7.74% |
12 months |
86.89 |
|
| up to $5,000 1 signature |
10.90% |
24 months |
46.58 |
|
| $5,000 to 15,000 2 signatures |
11.50% |
36 months |
32.99 |
|
| |
12.00% |
48 months |
26.34 |
|
| Secured Personal |
3% Plus the Rate |
60 months |
|
|
| Auto - New |
4.99% |
24 months |
43.87 |
|
| 100% |
4.99% |
36 months |
29.97 |
|
| MAXIMUM |
4.99% |
48 months |
23.03 |
|
| $60000 |
4.99% |
60 months |
18.87 |
|
| |
5.75% |
72 months |
16.45 |
|
| Used (4 years or older) |
6.00% |
48 months |
23.49 |
|
| 10% down |
|
|
|
|
| Recreational Vehicle |
8.00% |
60 months |
20.28 |
|
| 15% down - used |
8.50% |
120 months |
12.40 |
|
| 10% down - New |
9.00% |
180 months |
10.15 |
|
| Education - $2,500 undergraduate |
7.50% |
12 months |
86.78 |
|
| $5,000 graduate |
|
|
|
|
| Special |
6.00% |
12 months |
86.08 |
|
| Equity Lines of Credit $125,000 max |
.25% Above Prime |
|
|
|
| Equity Loans - Fixed Rate |
5.50% |
60 months |
19.10 |
|
| $125,000 max |
6.00% |
120 months |
11.10 |
|
| |
6.75% |
180 months
|
8.85 |
|
Rates may vary based on your credit history
Rates and Terms are subject to change without notice. Fees may reduce earnings. A penalty may be assessed on early withdrawals from Certificate accounts.
*APY - Annual Percentage Yield
*APR - Annual Percentage Rate
Payroll deductions may qualify for further rate reductions.
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