Rates
Rates effective as of 04/01/13 and are subject to change
Term Rate APR* New Auto (Posted rates for 48-72 month financing are for 100% financing. A reduction of 0.25% is applied for 10% or more down.) 84 month financing is available on vehicles over $35,000. Current APR is 4.50% Used Auto (up to 7 yrs old) Purchase money, or re-financing from another institution $4,000 - 5,999 $6,000 - 11,999 $12,000 - 17,999 $18,000 + 6.00 Available on loans above $10,000 .. Real Estate - First Mortgage 10 yr fixed also available- call for rates call for 2.25
Loans
24 months
2.24
2.24
36 months
2.24
2.24
48 months
2.24
2.24
60 months
2.24
2.24
72 months
2.24
2.24
36 months
3.24
3.24
48 months
3.24
3.24
60 months
3.24
3.24
72 months
3.24
3.24
Used Auto (over 7 years old)
36 months
6.00
New & Used Recreational Equipment
24 months
3.99
3.99
60 months
3.99
3.99
180 months
4.99
4.99
Unsecured Signature
12 months
10.15
10.15
24 months
10.65
10.65
36 months
11.15
11.15
Visa Classic Credit Card
Revolving
7.25
7.25
Computers
36 months
7.05
7.05
Certificate Secured
24 months
1.85
1.85
48 months
2.35
2.35
120 months
3.35
3.35
15 yr fixed
rates
6 yr fixed
2.25
30 yr ARM5
call for
rates
Real Estate - Second Mortgage
5 yr fixed
4.49
4.49
10 yr fixed
5.49
5.49
20 yr ARM3
5.40
5.40
*APR = Annual Percentage Rate
| Savings |
Minimum Balance |
Dividend Rate |
APY* |
| Regular Share Savings** |
20.00 |
0.20 |
0.20 |
| All Kid's Club Accounts** |
5.00 |
0.20 |
0.20 |
| Holiday Club Account** |
5.00 |
0.20 |
0.20 |
| IRA Share Savings** |
5.00 |
0.50 |
0.50 |
| Super Saver Share Account (min. $2,500 to open) |
5.00 |
0.20 |
0.20 |
|
2,500.00 |
0.25 |
0.25 |
|
|
5,000.00 |
0.30 |
0.30 |
|
|
|
25,000.00 |
0.35 |
0.35 |
*APY = Annual Percentage Yield
| Certificates |
Minimum Deposit |
Term |
Dividend Rate |
APY* |
| Share Certificate |
500.00 |
6 months |
0.45 |
0.45 |
|
500.00 |
12 months |
0.55 |
0.55 |
|
|
500.00 |
18 months |
0.65 |
0.65 |
|
|
500.00 |
24 months |
0.75 |
0.75 |
|
| Super Share Certificate |
50,000.00 |
6 months |
0.55 |
0.55 |
|
50,000.00 |
12 months |
0.65 |
0.65 |
|
|
50,000.00 |
18 months |
0.75 |
0.75 |
|
|
50,000.00 |
24 months |
0.85 |
0.85 |
|
| IRA Share Certificate |
2,000.00 |
18 months |
0.75 |
0.75 |
|
2,000.00 |
36 months |
0.85 |
0.85 |
|
|
2,000.00 |
48 months |
0.95 |
0.95 |
|
|
2,000.00 |
60 months |
1.05 |
1.05 |
|
*APY = Annual Percentage Yield
Minimum Balance Dividend Rate APY* 500.00 0.10 0.10
Checking
Share Draft Checking
*APY = Annual Percentage Yield
