 |
 |
| Dividend Rates (August 2008) |
| Term of Account |
Minimum Balance |
APY*
|
Dividend Rate |
| Regular Share |
$50,000.00
|
1.31%
|
1.30%
|
|
$20,000.00
|
1.16% |
1.15%
|
|
$1,000.00
|
0.90% |
0.90%
|
|
$100.00
|
0.40% |
0.40%
|
|
$25.00
|
0.00% |
0.00%
|
| Club Account |
$25.00
|
1.01% |
1.00%
|
| Money Market Account |
$25,000.00
|
2.78% |
2.75%
|
|
$2,500.00
|
2.02% |
2.00%
|
|
Certificates
|
| 6 Month |
$500.00
|
2.78% |
2.75%
|
| 12 Month |
$1,000.00
|
3.20% |
3.15%
|
| 18 Month Bump-Up |
$1,000.00
|
3.45% |
3.40%
|
| 30 Month |
$1,000.00
|
3.30% |
3.25%
|
| 60 Month |
$1,000.00
|
3.66% |
3.60%
|
| |
|
|
|
|
IRA
|
| Variable Rate |
none
|
1.41% |
1.40%
|
|
IRA Certificates
|
| 6 Month IRA |
$500.00
|
2.89% |
2.85%
|
| 12 Month IRA |
$1,000.00
|
3.30% |
3.25%
|
| 18 Month Bump-Up IRA |
$1,000.00
|
3.56% |
3.50%
|
| 30 Month IRA |
$1,000.00
|
3.35% |
3.30%
|
| 60 Month IRA |
$2,500.00
|
3.76% |
3.70%
|
| *APY = Annual Percentage Yield |
| Loan Rates and Terms |
|
Loan Type
|
Term
|
APR**
|
|
New Vehicles
|
up to 72 months |
5.25% - 16.00% |
| Used Vehicles |
up to 60 months |
5.25% - 16.00% |
| Signature Loan |
up to 60 months |
8.00% - 18.50% |
New Boat, RV &
Motorcycle |
up to 72 months |
8.00% |
Used Boat, RV &
Motorcycle |
up to 60 months |
9.00% |
| Share Certificate Secured |
up to 60 months |
6.00% |
| Share Secured |
up to 60 months |
4.25% |
|
Home Equity Loans (up to 75% equity)
|
| 5 Year ARM |
up to 180 months |
5.99%* |
| 5 Year Fixed |
up to 60 months |
5.99%* |
| 10 Year Fixed |
up to 120 months |
6.29%* |
| 15 Year Fixed |
up to 180 months |
6.49%* |
|
Home Equity Loans (76-90% equity)
|
| 5 Year Arm |
up to 180 months |
6.49%* |
| 5 Year Fixed |
up to 60 months |
6.49%* |
| 10 Year Fixed |
up to 120 months |
6.79%* |
| 15 Year Fixed |
up to 180 months |
6.99%* |
*indicates .50% Discount for Automatic Payment
$10,000.00 Minimum loan (new money) |
|
Visa Credit Cards
|
| Classic |
12.00% |
| Platinum |
9.90% |
| Platinum Intro Rate |
12 months |
5.90% |
First Mortgages:
|
| **APR=Annual Percentage Rate |
|
|
|
