Rates

Rates Chart

Share Accounts
Balance Rate APY
Power Shares 0.20% 0.20%
Christmas Club 0.20% 0.20%
Life/Other Shares 0.00% 0.00%
Escrow 0.20% 0.20%
Secondary Shares 0.20% 0.20%
IRA Shares 0.40% 0.40%
APY = Annual Percentage Yield

The dividend rates and Annual Percentage Yield (APY) are subject to change, without notice. Savings account earnings could be reduced if fees are added.

Rates Effective 5/25/10

Share Draft Accounts
Balance Rate APY
Share Draft Checking 0.00% 0.00%
APY = Annual Percentage Yield

All rates are subject to change without notice.

Rates Effective 7/01/09

Money Market Accounts
Balance Rate APY
$1000 - $19,999 0.60% 0.60%
$20,000 - $49,999 0.80% 0.80%
$50,000 + 0.80% 0.80%
APY = Annual Percentage Yield

The dividend rate and Annual Percentage Yield (APY) are subject to change, without notice, at anytime. After the point of issuance dividend rates and Annual Percentage Yield (APY) are fixed.

Early withdrawal penalties apply. Money Market earnings could be reduced if fees are added.

Rates Effective 5/25/10

Tiered Share Certificates
Terms in Months Minimum Balance Tier 1: $500 - $9,999.99
Dividend Rate 		APY Tier 2: $10,000 - $49,999.99
Dividend Rate 		APY
3 Month $500 0.60% 0.60% 0.65% 0.65%
6 Month $500 0.70% .70% 0.95% 0.95%
1 Year $500 0.95% 0.95% 1.20% 1.20%
2 Year $1000 1.24% 1.25% 1.49% 1.50%
3 Year $1000 1.84% 1.85% 1.94% 1.95%
4 Year $1000 2.03% 2.05% 2.18% 2.20%
5 Year $1000 2.33% 2.35% 2.48% 2.50%
Terms in Months Minimum Balance Tier 3: $50,000 - $99,999.99
Dividend Rate 		APY Tier 4: $100,000+
Dividend Rate 		APY
3 Month $500 0.95% 0.95% 0.95% 0.95%
6 Month $500 1.24% 1.25% 1.24% 1.25%
1 Year $500 1.34% 1.35% 1.34% 1.35%
2 Year $1000 1.64% 1.65% 1.64% 1.65%
3 Year $1000 2.13% 2.15% 2.13% 2.15%
4 Year $1000 2.33% 2.35% 2.33% 2.35%
5 Year $1000 2.62% 2.65% 2.62% 2.65%
APY = Annual Percentage Yield

Share Certificates can be set up to auto renew.  Promotional Certificates can not be auto renewable.  Early withdrawal penalties apply.

This is a tiered account and the rate for each tier will apply only to one particular deposit balance range. Dividend Rates and Annual Percentage Yields (APY) are subject to change, without notice, at anytime prior to the issuance of the certificate. Early withdrawal penalties apply. Certificate earnings could be reduced if fees are added.

Rates Effective 5/25/2010

Titled Vehicles- Consisting of the following: Boat, Auto and Motorcycles

 

 A+ A B C D E
Credit Bureau Score
730+
729-680
679-650
649-620
619-590
<589
Secured up to 24 Months
4.99%
5.24%
6.99%
9.49%
13.49%
17.99%
Secured up to 36 Months
4.99%
5.49%
7.24%
9.74%
13.74%
18.24%
Secured up to 48 Months
4.99%
5.74%
7.49%
9.99%
13.99%
18.49%
Secured up to 60 Months
4.99%
5.99%
7.74%
10.24%
w/ao 14.24%
Secured up to 72 Months
5.99%
6.24%
7.99%
w/ao 10.49%
Secured up to 84 Months
7.24%
7.49%
9.24%

Vehicles 98-05 add 1% to the above rates.

With approved credit. Based upon past credit history.

All rates are subject to change without notice.

Rates Effective 4/29/2009

Unsecured Loans
  A+ A B C D E
Credit Bureau Score 730+ 729-680 679-650 649-620 619-590 <589
Consolidation 9.90% 10.25%        
Signature 10.24% 10.49% 12.24% 13.74% 17.74% 21.99%

Rates Effective 11/13/2009

VISA® Credit Card
  a+ A B C D E
Credit Bureau Score 730+ 729-680 679-650 649-620 619-590 <589
  8.90% 10.40% 11.40% 13.40% 17.40% 21.99%*

*Secured Visa Only

Rates Effective 1/22/2010

Overdraft
Overdraft 18.00% Up to $1,000
Rate effective 3/20/2008
HELOC
Prime - 3.25% APR
Floor Rate - 4.9%
  A+ A B C D E
Credit Bureau Score 730+ 729-680 679-650 649-620 619-590 <589
<60% Prime** Prime** Prime** + 1.0% Prime** + 2.0% Prime** + 3.0% Prime** + 6.0%*
60% - 69% Prime** Prime** Prime** + 1.0% Prime + 3.0% N/A N/A
70% - 80% Prime** Prime** Prime + 1.0% N/A N/A N/A

*MAXIMUM AMOUNT - Not to exceed 80% of Appraisal or Tax Certificate.

**Rate is Based on Prime or Floor Rate Whichever is Higher

TERM LIMIT - Term Not To Exceed 180 Months.


With approved credit. Rates may vary. Based upon past credit history. All rates are subject to change without notice.



Rates Effective 7/01/2009

Recreational Rates- Consisting of Non-Titled Vehicles: ATV's, Jet Skies, Snowmobiles, Offroad Bikes

  A+ A B C D E
Credit Bureau Score 730+ 729-680 679-650 649-620 619-590 <589
Fixed Rates
24 Month 7.99% 8.24% 9.99% 11.49% 15.49% 19.99%
36 Month 8.24% 8.49% 10.24% 11.74% 15.74% 20.24%
48 Month 8.49% 8.74% 10.49% 11.99% 15.99% 20.49%
60 Month 8.74% 8.99% 10.74% 12.24% 16.24% w/ao
72 Month 8.99% 9.24% 10.99% 12.49%w/ao

Vehicles 97-04 add 1% to the above rates.

With approved credit. Rates may vary. Based upon past credit history. All rates are subject to change without notice.

 

Rates Effective 7/1/2009


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