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Loan Rates
Savings Rates
Loan Rates
| Credit Cards |
| Effective Date: Thursday, March 18th, 2010 |
| Card Type | APR* |
| VISA Classic |
12.90% |
| VISA Gold |
7.75% |
| VISA Platinum |
7.15% |
| No Annual Fee for VISA Programs |
| New and Used Autos |
| Effective Date: Thursday, March 18th, 2010 |
| Loan Type | Term | APR as low as* | Minimum |
| New 2009 & 2010 |
12 to 66 months |
3.99** |
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| New 2009 & 2010 |
67 to 84 months |
5.00 ** |
$20,000.00 |
| Used 2008 & 2009 |
12 to 60 months |
3.99** |
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| Used 2008 & 2009 |
61 to 72 months |
5.00 ** |
$20,000.00 |
| Used 2007 & Older |
12 to 48 months |
3.99 ** |
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| Used 2007 & Older |
49 to 60 months |
3.99 ** |
$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. |
| Recreational Vehicles |
| Effective Date: Thursday, March 18th, 2010 |
| Boats, Campers, Jet Skis, Snowmobiles, Motor Homes & Motorcycles |
| Loan Type | Term | APR as low as* | Minimum |
| New or Used |
12 to 60 months |
6.25% |
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| New or Used |
61 to 84 months |
6.50% |
$10,000.00 |
| New or Used |
85 to 120 months |
6.75% |
$15,000.00 |
| New or Used |
121 to 144 months |
7.00% |
$25,000.00 |
| New or Used |
120 month balloon** |
7.25% |
$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. |
| Share Loans |
| Effective Date: Thursday, March 18th, 2010 |
| Term | APR* |
| 36 months |
3.75% |
| 48 months |
3.75% |
| 60 months |
3.75% |
| 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: Thursday, March 18th, 2010 |
| Yard equipment, computers, appliances, etc. |
| Term | APR* | Minimum |
| 36 months |
6.25% |
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| 48 months |
6.50% |
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| 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. |
| Signature Loans |
| Effective Date: Thursday, March 18th, 2010 |
| Rates for new money only. |
| Term | APR as low as* | Minimum |
| 12 months |
9.75% |
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| 24 months |
10.00% |
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| 36 months |
10.25% |
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| 48 months |
10.50% |
$5,000.00 |
| * 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. |
| IRA Loans |
| Effective Date: Thursday, March 18th, 2010 |
| Term | APR* |
| Any |
9.00% |
| Home Improvement Loans |
| Effective Date: Thursday, March 18th, 2010 |
| Estimates required prior to closing. |
| Term | APR as low as* | Minimum |
| 12 months |
9.25% |
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| 24 months |
9.50% |
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| 36 months |
9.75% |
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| 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. |
| Home Equity Loans |
| Effective Date: Thursday, March 18th, 2010 |
| 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% |
5.25% |
| Closed-end 7 Year |
90% |
5.75% |
| Closed-end 10 Year |
80% |
5.50% |
| Closed-end 10 Year |
90% |
6.00% |
| Closed-end 15 Year |
80% |
5.75% |
| Closed-end 15 Year |
90% |
6.25% |
| To apply for real estate loans, call the mortgage department at (800) 815-6237, option 3. |
Savings Rates
| Shares |
| Effective Date: Thursday, March 18th, 2010 |
| Type | Dividend Rate | APY |
| Regular Shares |
0.20% |
0.20% |
| Daily Shares |
0.25% |
0.25% |
| Money Market |
| Effective Date: Thursday, March 18th, 2010 |
| Type | Dividend Rate | APY |
| $0 - $4,999 |
0.20% |
0.20% |
| $5,000 - $24,999 |
0.35% |
0.35% |
| $25,000 - $49,999 |
0.50% |
0.50% |
| $50,000 - $99,000 |
0.75% |
0.75% |
| $100,000 & Over |
0.85% |
0.85% |
| IRA Shares |
0.40% |
0.40% |
| Certificates of Deposit & IRA Certificates of Deposit |
| Effective Date: Thursday, March 18th, 2010 |
| Term | Dividend Rate | APY |
| Balances of $1,000 - $49,999 |
| 6 months |
0.70% |
0.70% |
| 12 months |
1.05% |
1.05% |
| 24 months |
1.35% |
1.36% |
| 36 months |
1.75% |
1.76% |
| 48 months |
2.15% |
2.17% |
| Balances of $50,000 & Over |
| 6 months |
0.75% |
0.75% |
| 12 months |
1.10% |
1.10% |
| 24 months |
1.40% |
1.41% |
| 36 months |
1.80% |
1.81% |
| 48 months |
2.20% |
2.22% |
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