Rates effective as of 09/01/2011
| Loans |
Term
|
Rate
|
APR*
|
| Cars & Trucks (New & Used) |
3 Years
|
2.99%**
|
2.99%**
|
| Cars & Trucks (New & Used) |
4 Years
|
3.49%**
|
3.49%**
|
| Cars & Trucks (New & Used) |
5 Years
|
3.99%**
|
3.99%**
|
| Cars & Trucks (New & Used) |
6 Years
|
4.49%**
|
4.49%**
|
| Cars & Trucks (New & Used) Loans over $25,000 |
7 Years
|
4.99%**
|
4.99%**
|
| Shares on Deposit |
5 Years
|
3% above
Share Rate
|
3% above
Share Rate
|
| Signature (Up to $20,000) |
7 Years
|
13.75%
|
13.75%
|
| Computer (Up to $3,000) |
3 Years
|
12.00%
|
12.00%
|
| Stock |
5 Years
|
10.00%
|
10.00%
|
| Motor Home (New) |
10 Years
|
7.75%
|
7.75%
|
| Other Vehicles (New/Used Boats, Campers, Motorcycles Trailers, Used Motor Homes) |
6 Years
|
7.25%
|
7.25%
|
| Mobile Home Title |
15 Years
|
8.25%
|
8.25%
|
| Boat (used as a primary residence) |
10 Years
|
7.75%
|
7.75%
|
| VISA Platinum |
3% of Balance
|
9.90%
|
9.90%
|
| VISA Gold |
3% of Balance
|
11.90%
|
11.90%
|
| VISA Classic |
3% of Balance
|
14.40%
|
14.40%
|
| First Mortgage--Owner Occupied (no points) |
30 Years
|
5.15%
|
5.15%
|
| First Mortgage--Owner Occupied (no points) |
15 Years
|
4.80%
|
4.80%
|
| First Mortgage--Non-owner Occupied (no points) |
12 Years
|
6.30%
|
6.30%
|
| Second Mortgage--Owner Occupied (no points) |
20 Years
|
6.80%
|
6.80%
|
| Second Mortgage--Owner Occupied (no points) |
15 Years
|
6.45%
|
6.45%
|
| Second Mortgage--Non-owner Occupied (no points) |
12 Years
|
8.55%
|
8.55%
|
| Home Equity--Primary Residence Only |
15 Years
|
4.50%***
|
4.50%***
|
* APR = Annual Percentage Rate
** To obtain this rate, you must qualify for one of the following: Direct Deposit Net Check, Automatic Loan Payment (or Payroll Deduction) or Pre-Approved for Auto Loan; otherwise, the interest rate will be .25% higher. For vehicles six years or older, the interest rate is 1 1/2% higher and the maximum loan amount is Low Blue Book.
*** This is the current rate; however, this rate is variable and is subject to change twice a year; and the maximum annual percentage rate that may be imposed is 15%.
Rates effective as of 09-01-10
| Savings |
Minimum Balance
|
Dividend/ Interest Rate
|
APY*
|
| Regular Shares |
|
|
|
| $ 0 - 999.99 |
$100.00
|
.10%
|
.10%
|
| $1,000 - 2,499.99 |
$1,000.00
|
.35%
|
.35%
|
| $2,500 - 4,999.99 |
$2,500.00
|
.60%
|
.60%
|
| $5,000 - UP |
$5,000.00
|
.70%
|
.70%
|
| |
|
|
|
| IRA Shares |
$100.00
|
.75%
|
.75%
|
| Share Drafts |
$100.00
|
.15%
|
.15%
|
* APY = Annual Percentage Yield
| Certificates of Deposit |
Minimum Deposit
|
Dividend/ Interest Rate
|
Term
|
APY*
|
| Regular Share & Traditional IRA Certificates ** |
|
|
|
|
| |
$5,000.00
|
.80%
|
3 Months
|
.80%
|
| |
$5,000.00
|
.85%
|
6 Months
|
.85%
|
| |
$5,000.00
|
.90%
|
9 Months
|
.90%
|
| |
$5,000.00
|
.95%
|
12 Months
|
.95%
|
| |
$5,000.00
|
1.00%
|
18 Months
|
1.00%
|
| |
$5,000.00
|
1.05%
|
24 Months
|
1.06%
|
| |
$5,000.00
|
1.15%
|
36 Months
|
1.16%
|
| |
$5,000.00
|
1.25%
|
48 Months
|
1.26%
|
| |
$5,000.00
|
1.35%
|
60 Months
|
1.36%
|
| |
|
|
|
|
| Roth, Roth Rollover & Educational IRA Share Certificates ** |
|
|
|
|
| |
$5,000.00
|
.95%
|
12 Months
|
.95%
|
| |
$5,000.00
|
1.05%
|
24 Months
|
1.06%
|
*APY = Annual Percentage Yield
** A penalty may be imposed for early withdrawal.
|
