Rates



















rates_small.jpg (9778 bytes)    Risk-Based | Loans | Savings | Certificates


 

Credit Rating A
APR*
B
APR*
C
APR*
D
APR*
up to 36 months  8.00 9.00 11.50 13.50
up to 48 months  8.25 9.50 11.75 14.50
up to 60 months  8.75   10.00 12.00 15.00
up to 72 months 9.25 10.50 12.50 n/a
up to 84 months 9.75 11.00 n/a n/a

Used Vehicles, etc.
Credit Rating A
APR*
B
APR*
C
APR*
D
APR*
up to 18 months 8.25  9.50 12.50 15.25
up to 36 months 8.75 10.00 13.50 16.25
up to 48 months 9.25 10.50 14.50 17.25
up to 60 months 9.75 11.00 15.00 17.75
up to 72 months 10.25 11.50

15.25

n/a

Personal
Credit Rating A
APR*
B
APR*
C
APR*
D
APR*
200 - 4999         (up to 36 months) 10.50 14.75 17.75 18.00
5000 - 9999       (up to 48 months) 10.50 14.75 17.75 18.00
10000 - and up   (up to 60 months) 10.50 14.75 17.75 18.00

Seasonal
Credit Rating A
APR*
B
APR*
C
APR*
Christmas (up to 12 months)** 10.50 14.75 17.75
Vacation (up to 12 months)**  10.50  14.75 17.75
*APR=Annual Percentage Rate
**Maximum of $2500

1/4% discount on loan rates with direct deposit


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Loans Rate APR* Term  
Real Estate-Fixed Rate

5.500

5.500 36 Calculator
Real Estate-Fixed Rate 6.000 6.000 60 Calculator
Real Estate-Fixed Rate 6.500 6.500 84 Calculator
Real Estate-Fixed Rate 7.500 7.500 96 Calculator
Real Estate-Fixed Rate 8.500 8.500 180 Calculator
Home Equity Line/Real Estate **   0.000 180 Calculator
First Mortgage (Rate subject to change daily)   7.000 0.000 180 Calculator
Share Certificate Secured-Rate + 2%   0.000 84 Calculator
Share/Money Market Secured 4.750 4.750 12 Calculator
Share/Money Market Secured 5.250 5.250 24 Calculator
Share/Money Market Secured 6.250 6.250 36 Calculator
Share/Money Market Secured 6.750 6.750 48 Calculator
Share/Money Market Secured 7.750 7.750 60 Calculator
Share/Money Market Secured 8.250 8.250 72 Calculator
Share/Money Market Secured 8.750 8.750 84 Calculator
Overdraft 18.000 18.000 n/a Calculator
*APR=Annual Percentage Rate
**Equity Line Rate-Prime + 1%

All rates are subject to change without notice.
All loans are subject to credit approval.

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Savings Dividend Rate APY* Term
Regular Shares($100 - $999) 0.100 0.100 n/a
Regular Shares($1,000 - $4,999) 0.350 0.350 n/a
Regular Shares($5,000 and up) 0.400 0.400 n/a
Christmas Club 0.100 0.100 n/a
Vacation Club 0.100 0.100 n/a
Share Drafts/Checking 0.100 0.100 n/a
*APY=Annual Percentage Yield
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Certificates                                                                                                                                                           Dividend Rate APY* Term
IRA                                                                                                                                                                 1.000 1.000 n/a
12 Month 3.00 3.00 12
15 Month 3.25 3.25 15
18 Month 3.45 3.45 18
Money Market 0.500 0.500 n/a
6 Month 2.500 2.500 6
9 Month 2.750 2.790 9
12 Month 3.000 3.040 12
Special     6 Month        Effective April 02, 2008  3.500 3.560 6
15 Month 3.250 3.300 15
18 Month 3.450 3.510 18

*APY=Annual Percentage Yield
*IRA - $500.00 Minimum balance to open

All rates are subject to change without notice.
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