Rates
DIVIDEND RATES
EFFECTIVE 11/25/2009 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 |
0.25% |
0.2502% |
$ 50 |
| GUARDIAN ANGEL SHARES |
$ 10 |
0.25% |
0.2502% |
$ 10 |
| IRA SAVINGS |
$100 |
0.25% |
0.2502% |
$50 |
| INVESTMENT CLUB |
$2,500 |
0.50% |
0.5009% |
$2,500 |
| SHARE DRAFT |
$2,500 |
0.00% |
0.0000% |
$ 0 |
| CHRISTMAS |
$ 10 |
0.25% |
0.2502% |
$ 10 |
| VACATION |
$ 10 |
0.25% |
0.2502% |
$ 10 |
| INVESTMENT CLUB+ |
$5,000 |
0.65% |
0.6516% |
$5,000 |
 TIER 2 |
$25,000 |
0.75% |
0.7521% |
$5,000 |
| TIER 3 |
$50,000 |
0.95% |
0.9534% |
$5,000 |
| TIER 4 |
$75,000 |
1.20% |
1.2054% |
$5,000 |
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SHARE CERTIFICATES |
Available for both Savings and Individual Retirement Accounts
unless noted otherwise |
| CERTIFICATE TERM |
MINIMUM DEPOSIT |
DIVIDEND RATE |
APY |
| * 6 MONTH |
$ 5,000 |
0.70% |
0.7018% |
| ** 9 MONTH ADD2IT |
$1,000 |
1.30% |
1.3064% |
| 12 MONTH |
$ 500 |
1.50% |
1.5085% |
| * 12 MONTH SMALL SAVER ADD2IT |
$100 |
1.35% |
1.3568% |
| *** 14 MONTH BUMP UP + |
$2,500 |
1.55% |
1.5590% |
| 18 MONTH |
$ 500 |
1.51% |
1.5186% |
| 24 MONTH |
$ 500 |
1.60% |
1.6096% |
| 30 MONTH |
$ 500 |
1.65% |
1.6602% |
| 36 MONTH |
$ 500 |
1.70% |
1.7109% |
| 48 MONTH |
$ 500 |
1.90% |
1.9136% |
| 60 MONTH |
$ 500 |
2.80% |
2.8295% |
* 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 10/01/2009 SUBJECT TO CHANGE
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 |
TYPE |
TERMS |
APR |
COMMENTS |
| PERSONAL |
12 - 35 mon |
8.50% - 15.00%* |
Minimum advance $500 |
| |
36 - 47 mon |
10.75% - 17.25%* |
* Rate, term & amount financed based on individual qualifications |
| |
48 - 59 mon** |
12.50% - 18.00%* |
** Minimum advance $7,500 |
| |
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 |
TYPE |
TERMS UP TO |
APR |
COMMENTS |
| HOME EQUITY |
60 months |
5.75% |
No origination points |
| |
120 months |
6.50% |
No discount points |
| |
180 months |
7.25% |
No recordation costs |
| PRIMELINE |
Home Equity Line of Credit |
3.25% |
Varies with
WSJ Prime |
| MORTGAGES
|
At Market |
Mortgages for every life style and life stage |
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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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