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Savings Rates
Rates are Effective August 18, 2008
Savings, Money Market, Share Certificate's & IRA's, Jumbo Share Certificate's, Prime, Secure Loans, Unsecured Loans, Visa, Student Loans
 Calculate Your Interest
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All Savings Accounts
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APR*
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APY*
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Savings, Holiday Club, Escrows, Members' Choice, Vacation Club
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0.25%
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0.25%
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IRA Savings, IRA Roth Savings, IRA Education Savings
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1.79%
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1.80%
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Money Market
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APR*
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APY*
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$2,000.00 to $4,999.99
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1.00%
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1.00%
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$5,000.00 to $9,999.99
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1.29%
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1.30%
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$10,000.00 to $24,999.99
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1.59%
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1.60%
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$25,000.00 to $49,999.99
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2.08%
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2.10%
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| $50,000.00 to $99,999.99 |
2.18% |
2.20% |
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$100,000.00 to $249,999.99
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2.52%
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2.55%
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$250,000.00 - Over
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2.62%
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2.65%
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Share Certificates
IRA Share Certificates
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Minimum Amount
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APR*
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APY*
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6 Month Certificate
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$1,000.00
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2.08%
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2.10%
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1 Year Certificate
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$1,000.00
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1.89%
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1.90%
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| 18 Month Certificate** |
$1,000.00 |
2.13% |
2.15% |
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2 Year Certificate
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$1,000.00
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2.13%
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2.15%
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3 Year Certificate
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$1,000.00
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2.62%
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2.65%
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4 Year Certificate***
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$1,000.00
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2.72%
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2.75%
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5 Year Certificate****
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$1,000.00
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2.87%
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2.90%
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| 1 Year Treasure Savers Youth Certificate |
$100.00 |
2.72% |
2.75% |
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1 Year Future Savers Youth Certificate
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$200.00
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2.72%
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2.75%
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Jumbo Share Certificates
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Minimum Amount
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APR*
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APY*
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6 Month Certificate
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$10,000.00
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2.33%
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2.35%
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1Year Certificate
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$10,000.00
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2.13%
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2.15%
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18 Month Certificate**
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$10,000.00
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2.38%
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2.40%
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2 Year Certificate
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$10,000.00
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2.38%
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2.40%
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3 Year Certificate
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$10,000.00
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2.87%
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2.90%
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4 Year Certificate***
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$10,000.00
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2.97%
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3.00%
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5 Year Certificate****
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$10,000.00
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3.11%
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3.15%
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Secured Loan Rate
Rates Are Effective August 18, 2008
A 1/4% Will be added to all rates if automatic/payroll deduction option is not selected!
All payments are based on per $1000.00 borrowed for full term. Please contact the loan department for more information.
Calculate Your Interest
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Wall Street Journal Prime
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Effective 04/30/08
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5.00%
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Secured
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Term
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APR*
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Aircraft
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up to 180 months
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MARKET RATE
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Unsecured
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Term
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APR*
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Payment
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All - Purpose Loans
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12 months
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8.70%
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$87.31
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24 months
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10.20%
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$46.24
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36 months
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11.70%
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$26.19
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Secured
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Term
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APR*
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Payment
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Automobiles - New
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24 months
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3.99%
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$43.42
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36 months
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3.99%
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$29.52
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48 months
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4.99%
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$23.02
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60 months
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6.20%
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$19.43
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72 months
Current & Prior Year - minimum amount $20,000
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6.70%
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$16.91
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Secured
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Term
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APR*
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Payment
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Automobiles - Used
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24 months
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6.30%
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$44.46
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36 months
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6.30%
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$30.56
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48 months
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6.50%
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$23.71
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60 months
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6.75%
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$19.68
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72 months
Current & Prior Year - minimum amount $20,000
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6.85%
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$16.98
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Secured
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Term
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APR*
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Payment
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| Boats & RV's New & Used |
up to 84 months
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6.50%
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$14.85
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85 to 120 months
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7.00%
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$11.61
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121 to 180 months
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7.50%
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$ 9.27
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Secured
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Term
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APR*
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Payment
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Motorcycles - New & Used
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24 months
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5.00%
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$43.87
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36 months
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5.00%
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$29.97
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48 months
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5.25%
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$23.14
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60 months
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6.40%
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$19.52
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72 months
Current & Prior Year - minimum amount $20,000
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6.90%
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$17.00
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Secured
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Term
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APR*
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Certificate Secured Loans (Collateral used is a certificate within the
credit union, for longer terms please contact the credit union)
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up to 60 months
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Certificate rate+2.50%
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Commodities
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APR*
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Market Rate
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Secured
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Term
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APR*
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Heavy Farm Equipment, Recreational
Vehicles, Trailers New & Used
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73 to 180 months
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MARKET RATE
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Secured
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Term
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APR*
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Holiday Loan - Maximum Amount- $2,000.00 - November 1, 2008 through January 31, 2009
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12 Months
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8.70%
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Secured
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Term
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APR*
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Home Equity -Fixed
Minimum amount - $5,000
LTV - up to 80%
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up to 60 months
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6.50%
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up to 120 months
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7.15%
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up to 180 months
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7.29%
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up to 240 months
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7.79%
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Secured
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Amount
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APR*
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Home Equity-
Variable
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$25,000 and above Special Rate Offered 05-19-08 Thru 06-30-09 ONLY!
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4.75%
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$5,000-$24,999.99
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5.50%
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Secured
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Term
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APR*
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Land Only-Fixed
Minimum amount - $5,000
LTV - Up to 80%
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up to 60 months
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6.50%
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up to 120 months
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7.15%
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up to 180 months
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7.29%
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Secured
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Term
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APR
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| Member Business Loans |
Varies on Collateral
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5 year T Bill plus 2.3% to 3.05%
Loan APR will reprice every 3 to 5 years
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Secured
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Term
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APR*
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Mobile Homes ONLY
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up to 60 months
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10.34%
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up to 120 months
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10.85%
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up to 180 months
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11.85%
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up to 240 months
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12.85%
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| Mobile Home & Land |
Home Equity Fixed Rate + 1.5%
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Secured
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APR*
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Municipal Bonds
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MARKET RATE
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Unsecured
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Term
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APR*
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Payment
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Open - End Line of Credit
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12 months
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8.70%
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$87.31
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24 months
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10.20%
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$46.24
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36 months
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11.70%
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$33.07
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48 months
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12.45%
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$26.56
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60 months
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13.20%
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$22.86
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Unsecured
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APR*
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Platinum Visa Credit Card
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10.90%
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Student Loans 2008 - 2009 School Year
|
APR*
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Stafford
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6.00% Subsidized
6.80% Unsubsidized
|
( this term )
|
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Plus/SLS
|
After 7/1/06
|
8.50%
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*APR = Annual Percentage Rate. APY = Annual Percentage Yield. Rates are not guaranteed and are subject to change. Rate and Yields are in effect as of above date and are subject to change without notice. All yields are quoted for dividends paid and compounded quarterly when a $100 daily average balance is maintained, unless otherwise noted. **18 Month Certificate is not available for IRA's***4 year Share Certificates will now be available as a one time Step - Up Certificate. **** 5 year Share Certificates will nov be available as a two time Step - Up Certificate. A penalty will be imposed for early withdrawal.
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