| Rates
& Fees
Savings Accounts | Checking
Accounts | Certificates | IRA
Loans | Mortgages
Click here for full disclosures on dividends
and account limitations. See our current fees.
Rates are subject to change.
Deposit Account Rates
as of May 1, 2008
Savings
Accounts
| Account |
Balance |
Annual Percentage Yield (APY) |
| Share Savings Account |
|
0.75% |
| Club Accounts |
|
0.75% |
| Insured Money Market Account |
$20,000+ |
1.76% |
| |
$10,000 - $19,999 |
1.51% |
| |
$2,500 - $9,999 |
0.90% |
Premium Insured
Money Market Account |
$100,000+ |
2.27% |
| |
$50,000 - $99,999 |
2.02% |
| |
$25,000 - $49,999 |
1.76% |
| |
$0 - $24,999 |
1.01% |
| Individual Retirement Account |
$20,000+ |
1.51% |
| |
$2,500 - $19,999 |
1.26% |
| |
$1 - $2,499 |
1.01% |
|
Rates are subject to change. Dividends are computed on the daily balance and compounded monthly. On the Premium IMMA a $10 fee will apply each month your average daily balance falls below $25,000.
Checking
Accounts
| Account |
Balance |
Annual Percentage Yield (APY) |
| Select Checking |
Any Balance |
0.10% |
|
Savings
Certificate Accounts
| Term |
Annual
Percentage Yield (APY) |
| 6 month |
$10,000 Minimum |
Call for rate |
| |
$1,000- $9,999 |
$10,000 - $49,999 |
$50,000 - $99,999 |
$100,000+ |
| 1 year |
3.00% |
3.10% |
3.21% |
3.31% |
| 18 months |
3.00% |
3.10% |
3.21% |
3.31% |
| 2 years |
3.05% |
3.16% |
3.26% |
3.36% |
| 3 years |
3.13% |
3.24% |
3.34% |
3.44% |
| 4 years |
3.39% |
3.50% |
3.60% |
3.70% |
| 5 years |
3.53% |
3.63% |
3.73% |
3.84% |
|
Dividends for 6-month certificates are
credited and compounded at maturity. Other certificate
dividends are compounded and credited monthly.
There is a penalty for early withdrawal.
IRA
Savings Certificates (rates
are not tiered)
| Term |
Annual Percentage Yield
(APY) |
| 6 month - $10,000 minimum |
Call for rate |
| 1 year |
3.00% |
| 18 months |
3.00% |
| 2 years |
3.05% |
| 3 years |
3.13% |
| 4 years |
3.39% |
| 5 years |
3.53% |
|
Lending
Rates
as of April 1, 2008
(Use our Loan Amortization calculator to
calculate your payments.)
Fixed Rate Loans
| Loan |
Comments |
Term |
Annual Percentage
Rate (APR) |
| New/Used Car or Truck |
100% of Purchase Price |
Up to 24 months
|
4.25% |
| New/Used Car or Truck |
100% of Purchase Price |
Up to 36 months |
4.50% |
| New/Used Car or Truck |
100% of Purchase Price |
Up to 48 months |
4.75% |
| New/Used Car or Truck |
NADA Retail Value |
Up to 60 months |
5.00% |
| Motorcycle |
100% of Purchase Price |
Up to 60 months |
5.00% |
| Boats |
90% of Purchase Price |
Up to 60 months |
5.00% |
| Recreational Vehicle (New) |
90% of Purchase Price |
Up to 60 months |
5.00% |
| Home Equity |
80% LTV |
Up to 60 months |
3.50% |
| Signature |
Minimum Payment |
Up to 48 months |
7.00% |
| Education |
$20,000.00 Maximum |
Up to 120 months |
7.00% |
| Home Improvement |
$20,000.00 Maximum |
Up to 120 months |
7.00% |
| Fresh Start Loan |
Minimum $300/
Maximum $500 |
Up to 12 months |
18.00% |
| Visa Classic |
No Annual Fee |
Revolving |
12.90% |
| Visa Platinum |
No Annual Fee |
Revolving |
9.90% |
|
Variable Rate Loans
| Loan |
Comments |
Term |
Annual Percentage
Rate (APR) |
| Signature |
Minimum Payment
|
Up to 48 months |
11.55% |
| Line of Credit |
Minimum $500.00 |
Open Ended
|
11.55% |
Home Equity
|
80% of Appraised |
Open Ended |
Prime – 1.00% |
| Home Equity - Interest Only |
80% of Appraised |
Open Ended |
Prime – ½% |
| Student Loans |
Minimum Payment |
|
Call for rates and terms
|
| Share Secured |
100% of Share Balance |
Up to 10 years |
3% Above Last Dividend
|
| IMMA Secured |
100% of IMMA Balance |
Up to 10 years |
3% Above Last Dividend
|
| Certificate Secured |
100% of Certificate
|
Term of Certificate |
3% Above Certificate |
|
Rates are subject to change and are based on individual's credit history and term of loan. Prime is 5.00% as of April 30, 2008.
|
|
