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Effective date October 1, 2011
Share Accounts ($25.00 Minimun)
|
Dividend Rate
|
APY*
|
|
|
| Saving Accounts |
0.75% |
0.75% |
|
|
| Checking Accounts - No monthly fees |
0.15% |
0.15% |
|
|
| Christmas Clubs |
0.75% |
0.75% |
|
|
| Vacation Clubs |
0.75% |
0.75% |
|
|
| Win Accounts |
0.75% |
0.75% |
|
|
| IRA Accounts |
1.00% |
1.01% |
|
|
| Term Share Certificates ($1,000 Minimun) |
Dividend Rate |
APY* |
|
|
| 6 Months |
0.85% |
0.85% |
|
|
| 12 Months |
1.00% |
1.01% |
|
|
| 24 Months |
1.45% |
1.46% |
|
|
| 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 10,000 2 signatures |
11.50% |
36 months |
32.99 |
|
| |
12.00% |
48 months |
26.34 |
|
| Secured Personal |
3% Plus the Rate |
60 months |
|
|
| Auto - New |
2.49% |
24 months |
42.75 |
|
| 100% |
2.74% |
36 months |
28.97 |
|
| MAXIMUM |
2.99% |
48 months |
22.13 |
|
| $60000 |
3.99% |
60 months |
18.41 |
|
| |
5.25% |
72 months |
16.22 |
|
| Used (4 years or older) |
5.75% |
48 months |
23.36 |
|
| 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 |
|
|
|
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| Special |
6.00% |
12 months |
86.08 |
|
|
Equity Lines of Credit $125,000 max
Maximum rate 18.00%
|
.25% Above Prime |
|
|
|
| Equity Loans - Fixed Rate |
5.25% |
60 months |
18.98 |
|
| $125,000 max |
5.75% |
120 months |
10.97 |
|
| |
6.25% |
180 months
|
8.57 |
|
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 Minimun balance of $25.00 required
*APR - Annual Percentage Rate
Payroll deductions may qualify for further rate reductions.
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