Loans| Savings| Certificates
| RATES AS LOW AS THE QUOTED RATE BELOW |
| Loans |
Rate* |
APR** |
Term |
Limit |
|
| Unsecured Personal |
10.000 |
10.000 |
48 |
Max: $10,000.00, Min: $500.00 |
Calculator |
| Auto/Motorcycles (New & Used) |
6.000 |
6.000 |
24 |
100% Financing |
Calculator |
| Auto/Motorcycles (New & Used) |
6.250 |
6.250 |
36 |
100% Financing |
Calculator |
| Auto/Motorcycles (New & Used) |
6.500 |
6.500 |
48 |
100% Financing |
Calculator |
| Auto/Motorcycles (New & Used) |
6.750 |
6.750 |
60 |
100% Financing |
Calculator |
| Auto/Motorcycles (New & Used) |
7.000 |
7.000 |
72 |
100% Financing(Min $25,000) |
Calculator |
| Auto/Motorcycles (New & Used) |
7.250 |
7.250 |
84 |
100% Financing(Min. $25,000 & Credit History) |
Calculator |
| Home Equity Closed End |
7.500 |
7.500 |
120 |
80% Market Value less mortgage balance
|
Calculator |
| Variable-Home Equity Line of Credit ** |
5.000 |
5.000 |
120 |
Max: $75,000
|
Calculator |
|
* Actual Rates determined by borrower's credit history, term of the loan
and the year of the vehicle
**APR = Annual Percentage Rate
LTV = Loan to Value
**Home Equity Line of Credit interest rate is based on the Wall Street Journal prime rate. Rate is subject to change quarterly, on the 15th of January, April, July, & October. The rate will not be any greater than 18% or any lower than 4.90% over the life of the loan, except during promotional periods. The loan repayment is based on a 10-year term with a minimum payment of $100.00 per month. There are no closing costs. Property insurance is required. Terms and rates are subject to change as explained in the account agreement and disclosure. For tax deductibility of interest paid, please consult a tax advisor.
$150.00 Application fee required for Closed-End and Open-End Home Equity Loans
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|
| Rates Effective September 12, 2008 |
| Savings |
Dividend Rate |
APY* |
Term |
| Regular Shares |
0.250 |
0.25 |
n/a |
| Xmas/Vacation/Special |
0.250 |
0.25 |
n/a |
| IRA Accumulation |
0.500 |
0.500 |
n/a
|
|
*APY = Annual Percentage Yield
The rate and the APY are subject to change. The rate may vary after the account is opened. A minimum average daily balance of $50 is required to earn dividends.
Dividends compound daily but paid quarterly. Fees and other conditions may reduce earnings.
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|
| Rates Effective September 17, 2008 |
| Certificates |
Dividend Rate |
APY* |
Term |
| Share Certificates |
2.000 |
2.002 |
6 month |
| Share Certificates |
2.250 |
2.270 |
12 month |
| Share Certificates |
2.500 |
2.530 |
24 month |
| Share Certificates |
2.750 |
2.790 |
36 month |
| Share Certificates |
3.000 |
3.0050 |
48 month |
| Share Certificates |
3.250 |
3.310 |
60 month |
| IRA Share Certificates |
2.500 |
2.530 |
12 month |
| IRA Share Certificates |
2.750 |
2.790 |
24 month
|
| IRA Share Certificates |
3.000 |
3.050 |
36 month |
| IRA Share Certificates |
3.250 |
3.310 |
48 month |
| IRA Share Certificates |
3.500 |
3.560 |
60 month |
*APY = Annual Percentage Yield
6, 12, 24, 36, 48, 60 Term in Months.
$500 minimum investment to open a share certificate and obtain the APY.
Dividends compound monthly. Penalty for early withdrawal may reduce earnings.
Rates subject to change without notice.
| Money Markets |
Dividend Rate |
APY* |
|
| $500.00 - $4,999.00 |
0.500 |
0.500 |
|
| $5,000.00 - $24,999.99 |
0.750 |
0.750 |
|
| $25,000.00 or more |
1.250 |
1.260 |
|
*APY = Annual Percentage Yield
$500 minimum investment to open a share certificate and obtain the APY.
Dividends compound monthly. Penalty for early withdrawal may reduce earnings.
Rates subject to change without notice.
|
