|
Shares, Certificate and IRA Rates as of July 20, 2010
Student CD's available for ages 0 - 18 years, with minimum deposit of $100.00.
CD penalty of 60 days for early closure of 6 month term certificates.
CD penalty of 90 days for early closure of 12 month and higher term certificates.
Rates are subject to change without notice
| Term |
Rate |
APY |
Rate Raiser |
Minimum Deposit |
| 6 Months |
|
|
|
|
| $500 - $24,999 |
0.65%
|
0.65%
|
none |
$500.00 |
| $25,000 and up |
0.75%
|
0.75%
|
none |
$25,000.00 |
| 12 months |
|
|
|
|
| $500-24,999 |
1.10%
|
1.10%
|
one |
$500.00 |
| $25,000 and up |
1.20% |
1.21% |
one |
$25,000.00 |
| 24 Months |
|
|
|
|
| $1,000 - $24,999 |
1.10% |
1.10% |
two |
$1,000.00 |
| $25,000 and up |
1.20% |
1.21% |
two |
$25,000.00 |
| 36 Months |
|
|
|
|
| $1,000 - $24,999 |
1.25% |
1.26% |
three |
$1,000.00 |
| $25,000 and up |
1.35% |
1.36% |
three |
$25,000.00 |
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
|
Century Accounts
|
Rate |
| $2000.00 and up |
0.25% |
|
IRA Share Accounts
|
Rate |
| $25 and up |
1.50% |
Loan Rates effective March 10, 2010
Rates include a .50% discount. Available to members who maintain an active checking account with us and their loan payment is made by an automatic method.
Late Fee 5% of payment or $20.00, whichever is greater (effective Dec.1, 2009)
Rates are subject to change without notice.
|
Automobiles
2008, 2009, 2010 models cars, pickups, vans.
|
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
48 mos.
|
3.95%
|
3.95%
|
4.69%
|
8.99%
|
10.99%
|
|
60 mos.
|
3.95%
|
3.95%
|
4.69%
|
8.99%
|
10.99%
|
|
72 mos.
|
4.99%
|
4.99%
|
5.75%
|
9.99%
|
11.99%
|
|
84 mos.
Min. $25,000
|
5.99%
|
5.99%
|
6.75%
|
10.50%
|
12.99%
|
Automobiles
2004, 2005 and 2006, 2007 models cars, pickups, vans. |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
36 mos.
|
4.39%
|
4.49%
|
4.99%
|
8.99%
|
10.99%
|
|
48 mos.
|
4.39%
|
4.49%
|
4.99%
|
8.99%
|
11.99%
|
|
60 mos.
|
4.39%
|
4.49%
|
4.99%
|
8.99%
|
11.99%
|
Automobiles
2002 and 2003 models cars, pickups, vans. |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
36 mos.
|
5.99%
|
5.99%
|
6.59%
|
10.99%
|
12.99%
|
|
48 mos.
|
5.99%
|
5.99%
|
6.99%
|
11.99%
|
12.99%
|
Automobiles
2001 and older models cars, pickups, vans. |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
36 mos.
|
8.99%
|
8.99%
|
8.99%
|
11.99%
|
.12.99%
|
Motor Homes, Campers, Travel Trailers, boats
|
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
up to $2,499
36 months
|
7.50%
|
7.99%
|
8.49%
|
11.99%
|
12.99%
|
|
$2,500 - $4,999
up to 60 months
|
6.50%
|
6.99%
|
7.49%
|
10.99%
|
12.99%
|
|
$5,000 - $9,999
up to 84 months
|
5.60%
|
5.99%
|
5.99%
|
10.99%
|
12.99%
|
|
$10,000-$14,999
96 months
|
5.75%
|
5.99%
|
6.25%
|
10.99%
|
12.99%
|
|
$15,000-$24,999
120 months
|
6.75%
|
6.99%
|
6.99%
|
10.99%
|
12.99%
|
|
$25,000 - & Over
144 months
|
6.75%
|
6.99%
|
6.99%
|
10.99%
|
12.99%
|
| Snowmobiles, All Terrain Vehicles, Personal Watercraft |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
New 2010 models
60 months
|
5.75%
|
6.00%
|
6.75%
|
10.75%
|
12.75%
|
|
1-5 years old
up to 60 months
|
6.50%
|
6.75%
|
7.50%
|
11.50%
|
13.50%
|
|
6 yrs and older
up to 48 months
|
7.75%
|
8.00%
|
8.75%
|
12.75%
|
14.75%
|
| Motorcycles |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
up to $2,499
36 months
|
7.25%
|
7.50%
|
8.00%
|
10.99%
|
12.99%
|
|
$2,500 - $4,999
up to 48 months
|
7.25%
|
7.50%
|
8.00%
|
10.99%
|
12.99%
|
|
$5,000 - $9,999
up to 48 months
|
5.99%
|
6.35%
|
6.75%
|
9.99%
|
11.99%
|
|
$10,000-$14,999
60 months
|
5.50%
|
5.99%
|
6.49%
|
9.99%
|
11.99%
|
|
$15,000-$24,999
72 months
|
5.75%
|
5.99%
|
6.50%
|
9.99%
|
12.99%
|
|
$25,000 - & Over
84 months
|
5.99%
|
5.99%
|
6.50%
|
9.99%
|
12.99%
|
| Unsecured Loans |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
Up to $2500
Up to 48 months
|
11.50%
|
12.00%
|
12.75%
|
16.50%
|
17.50%
|
| Overdraft Protection Loans |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
Revolving/No Discount Applies
|
18.00%
|
18.00%
|
18.00%
|
18.00%
|
18.00%
|
| Home Equity Fixed Rate Closed End and Home Improvement Loans |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
60 months
|
5.50%
|
5.75%
|
6.25%
|
10.75%
|
12.75%
|
|
61-120 months
|
5.74%
|
5.99%
|
6.49%
|
11.25%
|
13.25%
|
|
121-180 months
|
6.14%
|
6.39%
|
6.89%
|
11.50%
|
13.50%
|
| Home Equity Line of Credit (HELOC) Variable Rate |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
Up to 180
Months/5 year
draw period
|
Prime - .25%
|
Prime
|
Prime + .50%
|
Prime + 2.50%
|
Prime + 2.50%
|
| Land/Lot Up to 40 Acres |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
60 months
|
6.75%
|
7.00%
|
7.75%
|
11.75%
|
13.75%
|
|
120 months
|
7.25%
|
7.50%
|
8.25%
|
12.25%
|
14.25%
|
|
180 months
|
7.75%
|
8.00%
|
8.75%
|
12.75%
|
14.75%
|
|
Mobile Home
|
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
2010-2006 180 months
|
8.50%
|
9.75%
|
10.50%
|
14.75%
|
16.75%
|
|
2005-2001 144 months
|
9.50%
|
9.75%
|
10.50%
|
15.25%
|
17.25%
|
|
2000-1995 120 months
|
10.50%
|
10.75%
|
11.50%
|
15.50%
|
18.00%
|
|
1994-1980 72 months
|
12.50%
|
12.75%
|
13.25%
|
18.00%
|
18.00%
|
| Mobile Home and Land/Lot |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
60 months
|
7.50%
|
7.75%
|
8.50%
|
12.50%
|
14.50%
|
|
120 months
|
7.75%
|
8.00%
|
8.75%
|
12.75%
|
14.75%
|
|
180 months
|
8.25%
|
8.50%
|
9.25%
|
13.25%
|
15.25%
|
|
