Rates
DIVIDEND RATES
EFFECTIVE 05/07/2008 SUBJECT TO CHANGE
ASK AN EMPLOYEE FOR FURTHER INFORMATION ABOUT ANY APPLICABLE FEES
|
SHARE SAVINGS | ||||
|
ACCOUNT NAME |
MINIMUM FOR DIVIDENDS |
DIVIDEND RATE |
APY |
MINIMUM BALANCE |
| PRIME SHARES |
$ 100 |
0.55% |
0.5500% |
$ 50 |
| PRIME SHARES UNLTD |
$ 100 |
0.00% |
0.0000% |
$ 50 |
| GUARDIAN ANGEL CLUB |
$ 10 |
0.55% |
0.5500% |
$ 10 |
| IRA SAVINGS |
$100 |
0.60% |
0.6014% |
$50 |
| INVESTMENT CLUB |
$2,500 |
0.90% |
0.9030% |
$2,500 |
| SHARE DRAFT |
$2,500 |
0.00% |
0.0000% |
$ 0 |
| CHRISTMAS |
$ 10 |
0.50% |
0.5009% |
$ 10 |
| VACATION |
$ 10 |
0.50% |
0.5009% |
$ 10 |
| INVESTMENT CLUB+ |
$5,000 |
1.05% |
1.0541% |
$5,000 |
 TIER 2 |
$25,000 |
1.15% |
1.1550% |
$5,000 |
| TIER 3 |
$50,000 |
1.35% |
1.3568% |
$5,000 |
| TIER 4 |
$75,000 |
1.75% |
1.7615% |
$5,000 |
|
SHARE CERTIFICATES | |||
|
Available for both Savings and Individual Retirement Accounts unless noted otherwise | |||
| CERTIFICATE TERM |
MINIMUM DEPOSIT |
DIVIDEND RATE |
APY |
| * 6 MONTH |
$ 5,000 |
1.80% |
1.8182% |
| ** 9 MONTH ADD2IT |
$1,000 |
2.75% |
2.7785% |
| 12 MONTH |
$ 500 |
2.75% |
2.7785% |
| *** 14 MONTH BUMP UP + |
$2,500 |
2.90% |
2.9317% |
| 18 MONTH |
$ 500 |
2.90% |
2.9817% |
| 24 MONTH |
$ 500 |
2.95% |
2.9828% |
| 30 MONTH |
$ 500 |
3.30% |
3.3411% |
| 36 MONTH |
$ 500 |
3.15% |
3.1874% |
| 48 MONTH |
$ 500 |
3.25% |
3.2898% |
| 60 MONTH |
$ 500 |
3.45% |
3.4949% |
|
* Not available for Individual Retirement Accounts. | |||
LOAN RATES
EFFECTIVE 05/01/2008 SUBJECT TO CHANGE
|
NEW AUTO LOANS - MODEL YEAR 2008 & 2007 | |||
|
TERMS UP TO |
WILL FINANCE UP TO |
APR |
COMMENTS |
| 60 MONTHS |
125%
MSRP |
5.50% - 18.00%* |
* Rate, term & amount financed based on individual qualifications ** $20,000 & up |
| 72 MONTHS** |
125%
MSRP |
6.25% - 18.00%* | |
|
USED AUTO LOANS - MODEL YEARS 2007 & OLDER | ||||
| MODEL YEARS |
TERMS UP TO |
WILL FINANCE UP TO |
APR |
COMMENTS |
| 2007 TO 2004 | 60 MONTHS |
NADA clean retail value |
6.25% - 18.00%* | * Rate, term & amount financed based on individual qualifications ** Or 100% average clean retail value at a higher rate |
| 2003 TO 2000 | 36 MONTHS |
NADA clean retail value |
7.50% - 18.00%* | |
| ($7,500 & UP) | 48 MONTHS |
7.50% - 18.00%* | ||
| 1999 & OLDER | 36 MONTHS |
NADA clean trade in value** |
8.75% - 14.75%* | |
|
BOATS, RV, MOTORCYCLE & PERSONAL WATERCRAFT | ||||
|
TYPE |
TERMS UP TO |
WILL FINANCE UP TO |
APR |
COMMENTS |
| NEW BOAT/RV |
96 MONTHS |
100% retail value |
7.25% - 13.25%* |
*Rate, term & amount financed based on individual qualifications |
| USED BOAT/RV |
72 MONTHS |
100%
retail value |
7.50% - 13.50%* | |
| NEW MOTORCYCLE / PERSONAL WATERCRAFT |
60 MONTHS |
100%
retail value |
8.00% - 14.00%* | |
| USED MOTORCYCLE / PERSONAL WATERCRAFT LOANS ARE ALSO AVAILABLE | ||||
|
PERSONAL LOANS * VISA * FEDERAL FAMILY EDUCATION LOANS | |||
|
TYPE |
TERMS |
APR |
COMMENTS |
| PERSONAL |
12 - 35 mon |
9.00% - 15.00%* |
Minimum advance $500 |
|
36 - 47 mon |
11.25% - 17.25%* | * Rate, term & amount financed based on individual qualifications | |
|
48 - 59 mon** |
13.00% - 18.00%* | ** Minimum advance $7,500 | |
|
60 mon*** |
13.25% - 18.00%* | ***Minimum advance $10,000 | |
| LINE OF CREDIT OR OVERDRAFT PROTECTION |
- |
8.25% |
Variable rate, WSJ Prime + 3% |
| VISA (NO FEE) |
- |
10.00% |
No fee, variable rate, WSJ Prime + 5% |
| FEDERAL FAMILY EDUCATION LOANS |
- |
- |
See loan officer for details |
|
HOME EQUITY * PRIMELINE * MORTGAGES | ||||
|
TYPE |
TERMS UP TO |
APR |
COMMENTS | |
| HOME EQUITY |
60 months |
5.00% |
No origination points | |
|
120 months |
5.25% |
No discount points | ||
|
180 months |
5.50% |
No recordation costs | ||
| PRIMELINE |
Home Equity Line of Credit |
5.00% |
Varies with
WSJ Prime | |
| MORTGAGES | At Market | Mortgages for every life style and life stage | ||
|
SHARE SECURED LOANS - PRIMARY SHARES OR SHARE CERTIFICATES | ||
|
RATES AS LOW AS 4.00% |
TERMS UP TO 120 MONTHS |
SEE LOAN OFFICER FOR DETAILS |
Up to 12 months longer terms available on Auto, Boat, RV and Personal loans when you choose our Protection Solutions.
Ask us for details.
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