|
Shares, Certificate and IRA Rates as of May 2008
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.
| Term |
Rate |
APY |
Rate Raiser |
Minimum Deposit |
| 6 Months |
|
|
|
|
| $500 - $24,999 |
2.05%
|
2.07%
|
none |
$500.00 |
| $25,000 and up |
2.15%
|
2.17%
|
none |
$25,000.00 |
| 12 months |
|
|
|
|
| $500-24,999 |
3.00.%
|
3.03%
|
one |
$500.00 |
| $25,000 and up |
3.10% |
3.14% |
one |
$25,000.00 |
| 24 Months |
|
|
|
|
| $1,000 - $24,999 |
2.75% |
2.78% |
two |
$1,000.00 |
| $25,000 and up |
2.85% |
2.88% |
two |
$25,000.00 |
| 36 Months |
|
|
|
|
| $1,000 - $24,999 |
3.15% |
3.19% |
three |
$1,000.00 |
| $25,000 and up |
3.25% |
3.29% |
three |
$25,000.00 |
| Share Accounts |
Rate |
| $25 to $2999 |
1.05% |
| $3000 to $7999 |
1.15% |
| $8000 to $14,999 |
1.25% |
| $15,000 and up |
1.35% |
| Century Accounts |
Rate |
| Min. Balance $1,000 |
1.05% |
|
IRA Share Accounts
|
Rate |
| $25 and up |
2.25% |
IRA CD penalty of 60 days for early closure of 6 month term certificates.
IRA CD penalty of 90 days for early closure of 12 month and higher term certificates.
IRA Certificate of Deposit Rates are as follows:
| Term |
Rate |
APY |
Rate Raiser |
Minimum Deposit |
| 6 Months |
|
|
|
|
| $500 - $24,999 |
2.05%
|
2.07%
|
none |
$500.00 |
| $25,000 and up |
2.15%
|
2.17%
|
none |
$25,000.00 |
| 12 months |
|
|
|
|
| $500-24,999 |
3.00%
|
3.03%
|
one |
$500.00 |
| $25,000 and up |
3.10% |
3.14% |
one |
$25,000.00 |
| 24 Months |
|
|
|
|
| $1,000 - $24,999 |
2.75% |
2.78% |
two |
$1,000.00 |
| $25,000 and up |
2.85% |
2.88% |
two |
$25,000.00 |
| 36 Months |
|
|
|
|
| $1,000 - $24,999 |
3.15% |
3.19% |
three |
$1,000.00 |
| $25,000 and up |
3.25% |
3.29% |
three |
$25,000.00 |
Loan Rates effective February 2008
.25% discount on loan rates for maintaining a share draft account and auto pay from share draft.
2.0% discount off "D" and "E" rates for passing "Credit When Credit is Due Course."
Late Fee 5% of payment or $15.00, whichever is greater
|
Automobiles
2006, 2007, 2008 models cars, pickups, vans.
|
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
48 mos.
|
5.70%
|
5.95%
|
6.70%
|
10.70%
|
12.70%
|
|
60 mos.
|
5.75%
|
6.00%
|
6.75%
|
10.75%
|
12.75%
|
|
72 mos.
|
6.25%
|
6.50%
|
7.25%
|
11.25%
|
13.25%
|
|
84 mos.
|
7.00%
|
7.25%
|
8.00%
|
12.00%
|
14.00%
|
Automobiles
2002, 2003, 2004 and 2005 models cars, pickups, vans. |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
36 mos.
|
5.90%
|
6.15%
|
6.90%
|
10.90%
|
12.90%
|
|
48 mos.
|
6.00%
|
6.25%
|
7.00%
|
11.00%
|
13.00%
|
|
60 mos.
|
6.35%
|
6.60%
|
7.35%
|
11.35%
|
14.00%
|
Automobiles
2000 and 2001 models cars, pickups, vans. |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
36 mos.
|
7.50%
|
7.75%
|
8.50%
|
12.50%
|
14.50%
|
|
48 mos.
|
8.00%
|
8.25%
|
9.00%
|
13.00%
|
15.00%
|
Automobiles
1999 and older models cars, pickups, vans. |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
36 mos.
|
10.00%
|
10.25%
|
11.00%
|
15.00%
|
17.00%
|
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
|
8.50%
|
8.75%
|
9.50%
|
13.50%
|
15.50%
|
|
$2,500 - $4,999
up to 60 months
|
7.50%
|
7.75%
|
8.50%
|
12.50%
|
14.50%
|
|
$5,000 - $9,999
up to 84 months
|
6.75%
|
7.00%
|
7.75%
|
11.75%
|
13.75%
|
|
$10,000-$14,999
96 months
|
6.75%
|
7.00%
|
7.75%
|
11.75%
|
13.75%
|
|
$15,000-$24,999
120 months
|
7.75%
|
8.00%
|
8.75%
|
12.75%
|
14.75%
|
|
$25,000 - & Over
144 months
|
7.75%
|
8.00%
|
8.75%
|
12.75%
|
14.75%
|
| Snowmobiles, All Terrain Vehicles, Personal Watercraft |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
New 2004-2005 models
60 months
|
6.25%
|
6.50%
|
7.25%
|
11.25%
|
13.25%
|
|
1-5 years old
up to 60 months
|
7.00%
|
7.25%
|
8.00%
|
12.00%
|
14.00%
|
|
6 yrs and older
up to 48 months
|
8.25%
|
8.50%
|
9.25%
|
13.25%
|
15.25%
|
| Motorcycles |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
up to $2,499
36 months
|
7.50%
|
7.75%
|
8.50%
|
12.50%
|
14.50%
|
|
$2,500 - $4,999
up to 42 months
|
7.50%
|
7.75%
|
8.50%
|
12.50%
|
14.50%
|
|
$5,000 - $9,999
up to 48 months
|
6.50%
|
6.75%
|
7.50%
|
11.50%
|
13.50%
|
|
$10,000-$14,999
60 months
|
6.75%
|
7.00%
|
7.75%
|
11.75%
|
13.75%
|
|
$15,000-$24,999
72 months
|
6.90%
|
7.15%
|
7.90%
|
11.90%
|
13.90%
|
|
$25,000 - & Over
84 months
|
7.00%
|
7.25%
|
8.00%
|
12.00%
|
14.00%
|
| Computers - New |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
up to $1,999
24 months
|
10.25%
|
10.50%
|
11.25%
|
15.25%
|
17.25%
|
|
$2,000 - $3,999
36 months
|
10.25%
|
10.50%
|
11.25%
|
15.25%
|
17.25%
|
|
$4,000 - $5,000
48 months
|
10.25%
|
10.50%
|
11.25%
|
15.25%
|
17.25%
|
| Unsecured Loans |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
Up to $5,000
Up to 48 months
|
12.00%
|
12.50%
|
13.25%
|
17.00%
|
18.00%
|
| Overdraft Protection Loans |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
Revolving
|
18.00%
|
18.00%
|
18.00%
|
18.00%
|
18.00%
|
| Home Equity Fixed Rate Closed End |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
60 months
|
6.25%
|
6.50%
|
7.25%
|
11.25%
|
13.25%
|
|
61-120 months
|
6.75%
|
7.00%
|
7.75%
|
11.75%
|
13.75%
|
|
121-180 months
|
7.00%
|
7.25%
|
8.00%
|
12.00%
|
14.00%
|
| 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%
|
| Home Improvement Loans |
|
Term
|
"A" 720+
|
"B" 680-719
|
"C" 640-679
|
"D" 600-639
|
"E" 500-599
|
|
Call for term
|
6.75%
|
7.00%
|
0.50%
|
N/A
|
N/A
|
| 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
|
|
New to 4 years
|
9.75%
|
10.00%
|
10.75%
|
14.75%
|
16.75%
|
|
5 - 8 years old
|
10.25%
|
10.50%
|
11.25%
|
15.25%
|
17.25%
|
|
9 - 14 years old
|
10.50%
|
10.75%
|
11.50%
|
15.50%
|
18.00%
|
|
15 years and older
|
13.00%
|
13.25%
|
14.00%
|
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
|
8.00%
|
8.25%
|
9.00%
|
13.00%
|
15.00%
|
|
120 months
|
8.50%
|
8.75%
|
9.50%
|
13.50%
|
15.50%
|
|
180 months
|
9.00%
|
9.25%
|
10.00%
|
14.00%
|
16.00%
|
|
