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 3/20/08
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 3/20/08
Money Market Accounts
Balance
Rate
APY
$1000 - $19,999
1.49%
1.50%
$20,000 - $49,999
1.59%
1.60%
$50,000 +
2.42%
2.45%
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 5/21/08
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
2.13%
2.15%
2.33%
2.35%
6 Month
$500
2.48%
2.50%
2.72%
2.75%
1 Year
$500
2.62%
2.65%
2.87%
2.90%
2 Year
$1000
2.77%
2.80%
3.02%
3.05%
3 Year
$1000
3.02%
3.05%
3.11%
3.15%
4 Year
$1000
3.11%
3.15%
3.26%
3.30%
5 Year
$1000
3.21%
3.25%
3.36%
3.40%
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
2.82%
2.85%
2.97%
3.00%
6 Month
$500
2.92%
2.95%
3.11%
3.15%
1 Year
$500
3.02%
3.05%
3.16%
3.20%
2 Year
$1000
3.16%
3.20%
3.31%
3.35%
3 Year
$1000
3.31%
3.35%
3.45%
3.49%
4 Year
$1000
3.41%
3.45%
3.60%
3.65%
5 Year
$1000
3.50%
3.55%
3.84%
3.90%
APR = Annual Percentage Rate
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 5/21/2008
Loan Rates
Balance
Rate
APR
Signature
10.24%
10.24%
Secured up to 24 Months
4.99%
4.99%
Secured up to 36 Months
5.24%
5.24%
Secured up to 48 Months
5.49%
5.49%
Secured up to 60 Months
5.74%
5.74%
Secured up to 72 Months
5.99%
5.99%
Secured up to 84 Months
7.24%
7.24%
Overdraft Protection
18%
18%
VISA Credit Card
10.15%
10.15%
Home Equity Line of Credit (HELCO) 80% LTV
5.25%*
5.25%*
APR = Annual Percentage Rate
LTV = Loan to Value
*Term not to exceed 180 months. Not to exceed 85% of appraisal or tax certificate.
A paper loan terms may extend beyond 84 months with 25 basis points added for each additional year.
Vehicles 96-03 add 1% to the above rates.
Secured Loans are secured by a title. With Approved Credit. Rates may vary. Based upon past credit history.