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Rates
DIVIDEND RATES
EFFECTIVE 05/20/2009 SUBJECT TO CHANGE
ASK AN EMPLOYEE FOR FURTHER INFORMATION ABOUT ANY APPLICABLE FEES
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SHARE SAVINGS |
|
ACCOUNT NAME |
MINIMUM FOR DIVIDENDS |
DIVIDEND RATE |
APY |
MINIMUM BALANCE |
| PRIME SHARES |
$ 100 |
0.30% |
0.3003% |
$ 50 |
| GUARDIAN ANGEL SHARES |
$ 10 |
0.30% |
0.3003% |
$ 10 |
| IRA SAVINGS |
$100 |
0.30% |
0.3003% |
$50 |
| INVESTMENT CLUB |
$2,500 |
0.60% |
0.6014% |
$2,500 |
| SHARE DRAFT |
$2,500 |
0.00% |
0.0000% |
$ 0 |
| CHRISTMAS |
$ 10 |
0.30% |
0.3003% |
$ 10 |
| VACATION |
$ 10 |
0.30% |
0.3003% |
$ 10 |
| INVESTMENT CLUB+ |
$5,000 |
0.75% |
0.7521% |
$5,000 |
 TIER 2 |
$25,000 |
0.95% |
0.9534% |
$5,000 |
| TIER 3 |
$50,000 |
1.10% |
1.1045% |
$5,000 |
| TIER 4 |
$75,000 |
1.25% |
1.2559% |
$5,000 |
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SHARE CERTIFICATES |
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Available for both Savings and Individual Retirement Accounts
unless noted otherwise |
| CERTIFICATE TERM |
MINIMUM DEPOSIT |
DIVIDEND RATE |
APY |
| * 6 MONTH |
$ 5,000 |
0.95% |
0.9534% |
| ** 9 MONTH ADD2IT |
$1,000 |
1.95% |
1.9643% |
| 12 MONTH |
$ 500 |
2.05% |
2.0658% |
| *** 14 MONTH BUMP UP + |
$2,500 |
2.15% |
2.1674% |
| 18 MONTH |
$ 500 |
2.15% |
2.1674% |
| 24 MONTH |
$ 500 |
2.20% |
2.2182% |
| 30 MONTH |
$ 500 |
2.30% |
2.3199% |
| 36 MONTH |
$ 500 |
2.35% |
2.3708% |
| 48 MONTH |
$ 500 |
2.55% |
2.5745% |
| 60 MONTH |
$ 500 |
3.12% |
3.1567% |
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* Not available for Individual Retirement Accounts.
** Unlimited additional deposits of at least $1,000 are allowed during the certificate term.
***You have the one time option of bumping up your rate to the current rate offered for this certificate type and/or making additional deposits of at least $1,000 during the certificate term. Not available for Individual Retirement Accounts. |
LOAN RATES
EFFECTIVE 06/30/2009 SUBJECT TO CHANGE
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NEW AUTO LOANS - MODEL YEAR 20010 & 2009 |
|
TERMS UP TO |
WILL FINANCE UP TO |
APR |
COMMENTS |
| 60 MONTHS |
125%
MSRP |
5.00% - 18.00%* |
* Rate, term & amount financed based on individual qualifications
|
| 72 MONTHS |
125%
MSRP |
5.75% - 18.00%* |
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USED AUTO LOANS - MODEL YEARS 2009 & OLDER |
| MODEL YEARS |
TERMS UP TO |
WILL FINANCE UP TO |
APR |
COMMENTS |
| 2009 TO 2005 |
60 MONTHS
72 MONTHS |
NADA clean retail value |
5.75% - 18.00%*
6.50% - 18.00%* |
* Rate, term & amount financed based on individual qualifications
** Or 100% average clean retail value at a higher rate |
| 2004 TO 2001 |
36 MONTHS |
NADA clean retail value |
7.00 - 18.00%* |
| ($7,500 & UP) |
48 MONTHS |
|
7.00% - 18.00%* |
| 2000 & OLDER |
36 MONTHS |
NADA clean trade in value** |
8.25% - 14.75%* |
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BOATS, RV, MOTORCYCLE & PERSONAL WATERCRAFT |
|
TYPE |
TERMS UP TO |
WILL FINANCE UP TO |
APR |
COMMENTS |
| NEW BOAT/RV |
96 MONTHS |
100% retail value |
6.75% - 13.25%* |
*Rate, term & amount financed based on individual qualifications |
| USED BOAT/RV |
72 MONTHS |
100%
retail value |
7.00% - 13.50%* |
| NEW MOTORCYCLE / PERSONAL WATERCRAFT |
60 MONTHS |
100%
retail value |
7.50% - 14.00%* |
| USED MOTORCYCLE / PERSONAL WATERCRAFT LOANS ARE ALSO AVAILABLE
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PERSONAL LOANS * VISA * FEDERAL FAMILY EDUCATION LOANS |
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TYPE |
TERMS |
APR |
COMMENTS |
| PERSONAL |
12 - 35 mon |
8.50% - 15.00%* |
Minimum advance $500 |
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36 - 47 mon |
10.75% - 17.25%* |
* Rate, term & amount financed based on individual qualifications |
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48 - 59 mon** |
12.50% - 18.00%* |
** Minimum advance $7,500 |
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60 mon*** |
12.75% - 18.00%* |
***Minimum advance $10,000 |
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| LINE OF CREDIT OR OVERDRAFT PROTECTION |
- |
7.50% |
Variable rate, WSJ Prime + 3% |
| VISA (NO FEE) |
- |
6.99-8.99% |
No fee, fixed rate, Bonus Points |
| FEDERAL FAMILY EDUCATION LOANS |
- |
- |
See loan officer for details |
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HOME EQUITY * PRIMELINE * MORTGAGES |
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TYPE |
TERMS UP TO |
APR |
COMMENTS |
| HOME EQUITY |
60 months |
5.75% |
No origination points |
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120 months |
6.50% |
No discount points |
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180 months |
7.25% |
No recordation costs |
| PRIMELINE |
Home Equity Line of Credit |
3.25% |
Varies with
WSJ Prime |
| MORTGAGES
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At Market |
Mortgages for every life style and life stage |
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SHARE SECURED LOANS -
PRIMARY SHARES OR SHARE CERTIFICATES |
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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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