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Loan Rates
Savings Rates
Loan Rates
| Credit Cards |
| Effective Date: Sunday, February 5th, 2012 |
| Card Type | APR* |
| VISA Platinum |
7.15% |
| No Annual Fee for VISA Programs. APR is the interest rate charged on the amount borrowed. |
| New and Used Autos |
| Effective Date: Sunday, February 5th, 2012 |
| Loan Type | Term | APR as low as* | Minimum |
| New 2011 & 2012 |
1 to 12 months |
1.99** |
|
| New 2011 & 2012 |
13 to 30 months |
2.49** |
|
| New 2011 & 2012 |
31 to 42 months |
2.99** |
|
| New 2011 & 2012 |
43 to 66 months |
3.49** |
|
| New 2011 & 2012 |
67 to 84 months |
3.99** |
$20,000.00 |
| Used 2010 & 2011 |
12 to 60 months |
3.49** |
|
| Used 2010 & 2011 |
61 to 72 months |
3.99** |
$20,000.00 |
| Used 2009 & Older |
12 to 48 months |
3.99 ** |
|
| Used 2009 & Older |
49 to 60 months |
4.49 ** |
$10,000.00 |
| * Rates determined by member's creditworthiness. New money only. ** Members with direct deposit and automatic payment receive a .25% loan discount. Discounts are already included in these stated rates. APR = Annual Percentage Rate The annual percentage rate, or the interest rate charged on the amount borrowed. |
| Recreational Vehicles |
| Effective Date: Sunday, February 5th, 2012 |
| Boats, Campers, Jet Skis, Snowmobiles, Motor Homes & Motorcycles |
| Loan Type | Term | APR as low as* | Minimum |
| New or Used |
12 to 60 months |
5.50% |
|
| New or Used |
61 to 84 months |
5.75% |
$10,000.00 |
| New or Used |
85 to 120 months |
6.00% |
$15,000.00 |
| New or Used |
121 to 144 months |
6.50% |
$25,000.00 |
| New or Used |
120 month balloon** |
7.00% |
$25,000.00 |
| * Rates determined by member's creditworthiness, New Money Only for Special. |
| ** Payments based on 180 month term. Also, Members with direct deposit and automatic payment receive a .25% loan rate discount. Discounts are already included in these stated rates. The annual percentage rate, or APR, is the interest rate charged on the amount borrowed. |
| Share Loans |
| Effective Date: Sunday, February 5th, 2012 |
| Term | APR* |
| 36 months |
3.25% |
| 48 months |
3.25% |
| 60 months |
3.25% |
| The annual percentage rate, or APR, is the interest rate charged on the amount borrowed. |
| Certificate of Deposit Secured Loan |
| Effective Date: November 1, 2008 |
| Rate |
| All terms are 4.00% APR above certificate rate. |
| All Other Secured Loans |
| Effective Date: Sunday, February 5th, 2012 |
| Yard equipment, computers, appliances, etc. |
| Term | APR* | Minimum |
| 36 months |
6.25% |
|
| 48 months |
6.50% |
|
| 60 months |
6.75% |
$10,000.00 |
| Members will direct deposit and automatic payment receive a .25% loan rate discount. Discounts are already included in these stated rates.The annual percentage rate, or APR, is the interest rate charged on the amount borrowed. |
| Signature Loans |
| Effective Date: Sunday, February 5th, 2012 |
| Rates for new money only. |
| Term | APR as low as* | Minimum |
| 12 months |
5.99% |
|
| 13 to 26 months |
6.99% |
|
| 37 to 48 months |
7.99% |
$5,000.00 |
| 49 to 60 months |
7.99% |
$7,500.00 |
| 60 month balloon |
7.99% |
$10,000.00 |
| * Rate determined by member's creditworthiness. Also, members with direct deposit and automatic payment receive a .25% loan rate discount. Discounts are already included in these stated rates.The annual percentage rate, or APR, is the interest rate charged on the amount borrowed. The 60 month balloon is based on a 120-month term. |
| IRA Loans |
| Effective Date: Sunday, February 5th, 2012 |
| Term | APR* |
| Any |
9.00% |
| The annual percentage rate, or APR, is the interest rate charged on the amount borrowed. |
| Home Improvement Loans |
| Effective Date: Sunday, February 5th, 2012 |
| Estimates required prior to closing. |
| Term | APR as low as* | Minimum |
| 12 months |
9.25% |
|
| 24 months |
9.50% |
|
| 36 months |
9.75% |
|
| 48 months |
10.00% |
$5,000.00 |
| 60 months |
10.25% |
$5,000.00 |
| * Rates determined by member's creditworthiness. Also, members with direct deposit and automatic payment receive a .25% loan rate discount. Discounts are already included in these stated rates. The annual percentage rate, or APR, is the interest rate charged on the amount borrowed. |
| Home Equity Loans |
| Effective Date: Sunday, February 5th, 2012 |
| Rate cannot vary more than 2 percentage points in a 12 month period. |
| Loan Type | Loan-to-Value | APR* |
| Open-end Line of Credit |
80% |
4.50% |
| Rates determined by member's creditworthiness. |
| Closed-end 7 Year |
80% |
5.00% |
| Closed-end 7 Year |
90% |
5.50% |
| Closed-end 10 Year |
80% |
5.25% |
| Closed-end 10 Year |
90% |
5.75% |
| Closed-end 15 Year |
80% |
5.50% |
| Closed-end 15 Year |
90% |
6.00% |
| To apply for real estate loans, call the mortgage department at (800) 815-6237, option 3. The annual percentage rate, or APR, is the interest rate charged on the amount borrowed. |
Savings Rates
| Shares |
| Effective Date: Sunday, February 5th, 2012 |
| Type | Dividend Rate | APY |
| Regular Shares |
0.05% |
0.05% |
| Daily Shares |
0.05% |
0.05% |
| IRA Shares |
0.15% |
0.15% |
| Annual Percentage Yield is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA. |
| Money Market |
| Effective Date: Sunday, February 5th, 2012 |
| Type | Dividend Rate | APY |
| $0 - $4,999 |
0.05% |
0.05% |
| $5,000 - $24,999 |
0.10% |
0.10% |
| $25,000 - $49,999 |
0.15% |
0.15% |
| $50,000 - $99,000 |
0.20% |
0.20% |
| $100,000 & Over |
0.25% |
0.25% |
| Annual Percentage Yield is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA. |
| Certificates of Deposit & IRA Certificates of Deposit |
| Effective Date: Sunday, February 5th, 2012 |
| Term | Dividend Rate | APY |
| Balances of $1,000 and above |
| 6 months |
0.25% |
0.25% |
| 12 months |
0.35% |
0.35% |
| 24 months |
0.50% |
0.50% |
| 36 months |
0.75% |
0.75% |
| 48 months |
1.05% |
1.05% |
| Annual Percentage Yield is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA. |
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