SAVINGS- effective 4/16/08
RATE
APY
MINIMUM
DIVIDENDS PAID
REGULAR SHARES
 
.75%
.75%
$25.00
Monthly
IRA SHARES
IRA CERT 36 & 60 months
 
2.47%
3.79%
2.50%3.85%
-----
$500.00
Monthly
Monthly

CLUB ACCOUNTS,
CHRISTMAS, VACATION, TAX, ALL PURPOSE
 
.75%
.75%
-----
Monthly


MONEY MARKETS


 
 


.75%

1.00%

1.75%
 
2.60%



.75%

1.01%

1.78%
 
2.63%



$ 500- 1,999

$2,000-9,999

$10,000-24,999
 
$25,000 +

 Monthly

 Monthly

 Monthly
 
 Monthly

Smart Savers and Youth
Savers- see What's New

 

 

 

 

 
 
 
 
 
SHARE CERTIFICATES          
6 months
 

   2.47%

   2.50%

        $500.00

             Monthly

12 months
  

   3.20%

   3.25%

        $500.00

             Monthly

    24 months

   3.20%

   3.25%

        $500.00

             Monthly

  36 months 

48 months

60 months


18 Month No-Penalty

   3.20%

   3.44%

   3.69%

     
   2.72%

   3.25%

   3.50%

   3.75%

 
   2.75%

        $500.00

        $500.00

        $500.00

               
        $500.00

             Monthly

             Monthly

             Monthly

                       
            Monthly

 
          
PERSONAL/SIGNATURE
All loan rates effective 4/16/08
 
APR

24 MONTHS to 60 MONTHS
As low as 10.75%
 

    
VEHICLE LOANS 
 
NEW '07-'08
USED '02- '06
USED '01 & OLDER
 
APR
APR
APR

24 MONTHS

As low as 4.75%
As low as 4.75%
As low as 6.50%
36 MONTHS
As low as 4.99%
As low as 4.99%
As low as 6.74%
48 MONTHS
As low as 5.49%
As low as 5.49%
As low as 7.24%
60 MONTHS
As low as 5.75%
As low as 5.75%
-----
72 MONTHS
As low as 6.50%
-----
  
-----
  
84 MONTHS
As low as 6.75%
-----
  
-----
  

OTHER TITLED VEHICLES RVs, ATVs, Campers, Snow Machines, Boats
 
NEW '07-'08
USED '02- '06
USED '01 & OLDER
 
APR
APR
APR

24 MONTHS

As low as 5.75%
As low as 5.75%
As low as   8.25%
36 MONTHS
As low as 5.99%
As low as 5.99%
As low as   8.49%
48 MONTHS
As low as 6.49%
As low as 6.49%
As low as   8.99%
60 MONTHS
As low as 6.75%
As low as 6.75%
-----

SECURED UNTITLED    RVs, ATVs, Campers, Snow Machines, Boats, Computers
 

     NEW & USED

 
    APR

24 MONTHS

As low as   8.25%
36 MONTHS
As low as   8.49%
48 MONTHS
As low as   8.99%
Loan rates are listed "as low as" and are determined by the term of the loan and an evaluation of your credit.  All rates quoted are subject to change. Your rate may vary from the rate shown above.

100% Financing- (Tax, Title, Registration inc.)

NADA Retail

OTHER LOANS
     
Rates - APR



HOME EQUITY L-O-C



up to 15 year term


  3.99% APR for 6 months then 5.25%
HOME EQUITY LOAN
 5 year term
10 year term
15 year term

5.99%*
6.50%*
7.50%*

MORTGAGES 
                                  Rates available upon request

SHARE SECURED

Div. Rate + 2.5%

Varies

CERTIFICATE SECURED

Div. Rate + 2.5%

Varies
VISA CARD
No Annual Fee

10.90%
5.90% on bal. transfers for 6 mos.
  
     

Annual percentage rate is based on an index, the Wall Street Journal Prime Rate (which may change). The annual percentage rate may vary periodically. The minimum annual percentage rate that can apply is 4.25% APR floor, and the maximum annual percentage rate that can apply is 18% APR. We will not charge you any fees to open, use, or maintain your Home Equity Line of Credit. However, you may pay certain fees to third parties to open the plan. Those fees are generally between $300 - $500. (We are currently paying up to $300 of third party fees) You must also maintain property and flood insurance (if necessary) on your dwelling .
* Minimum loan amount $5000 - maximum loan balance $200,000. The maximum loan to value is 80%

 
APY = Annual Percentage Yield
APR = Annual Percentage Rate
Rates are subject to change
  
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