Rates effective as of 07/1/2008
| Loans |
Term
|
Rate
|
APR*
|
| Cars & Trucks (New & Used) |
3 Years
|
5.40%**
|
5.40%**
|
| Cars & Trucks (New & Used) |
4 Years
|
5.90%**
|
5.90%**
|
| Cars & Trucks (New & Used) |
5 Years
|
6.40%**
|
6.40%**
|
| Cars & Trucks (New & Used) |
6 Years
|
6.65%**
|
6.65%**
|
| Cars & Trucks (New & Used) Loans over $25,000 |
7 Years
|
6.80%**
|
6.80%**
|
| Shares on Deposit |
10 Years
|
3% above
Share Rate
|
3% above
Share Rate
|
| Signature (Up to $20,000) |
7 Years
|
13.75%
|
13.25%
|
| Computer (Up to $3,000) |
3 Years
|
12.00%
|
12.00%
|
| Stock |
5 Years
|
10.00%
|
10.00%
|
| Motor Home (New) |
10 Years
|
9.25%
|
9.25%
|
| Other Vehicles (New/Used Boats, Trailers, Campers, Used Motor Homes) |
6 Years
|
9.25%
|
9.25%
|
| Mobile Home Title |
15 Years
|
9.75%
|
9.75%
|
| Boat (used as a primary residence) |
10 Years
|
9.75%
|
9.75%
|
| 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
|
6.25%
|
6.25%
|
| First Mortgage--Non-owner Occupied (no points) |
12 Years
|
6.75%
|
6.75%
|
| Second Mortgage--Owner Occupied (no points) |
15 Years
|
8.00%
|
8.00%
|
| Second Mortgage--Non-owner Occupied (no points) |
12 Years
|
9.00%
|
9.00%
|
| Home Equity |
15 Years
|
5.50%***
|
5.50%***
|
* 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 over eight years old, the interest rate is 1 1/4% 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 03-01-08
| Savings |
Minimum Balance
|
Dividend/ Interest Rate
|
APY*
|
| Regular Shares |
|
|
|
| $ 0 - 999.99 |
$100.00
|
1.40%
|
1.41%
|
| $1,000 - 2,499.99 |
$1,000.00
|
1.65%
|
1.66%
|
| $2,500 - 4,999.99 |
$2,500.00
|
1.90%
|
1.92%
|
| $5,000 - UP |
$5,000.00
|
2.15%
|
2.17%
|
| |
|
|
|
| IRA Shares |
$100.00
|
3.15%
|
3.20%
|
| Share Drafts |
$100.00
|
.55%
|
.55%
|
* APY = Annual Percentage Yield
| Certificates of Deposit |
Minimum Deposit
|
Dividend/ Interest Rate
|
Term
|
APY*
|
| Regular Share & Traditional IRA Certificates ** |
|
|
|
|
| |
$5,000.00
|
3.75%
|
3 Months
|
3.82%
|
| |
$5,000.00
|
3.80%
|
6 Months
|
3.87%
|
| |
$5,000.00
|
3.85%
|
9 Months
|
3.92%
|
| |
$5,000.00
|
3.90%
|
12 Months
|
3.97%
|
| |
$5,000.00
|
3.95%
|
18 Months
|
4.02%
|
| |
$5,000.00
|
4.00%
|
24 Months
|
4.07%
|
| |
$5,000.00
|
4.10%
|
36 Months
|
4.18%
|
| |
$5,000.00
|
4.20%
|
48 Months
|
4.28%
|
| |
$5,000.00
|
4.30%
|
60 Months
|
4.39%
|
| |
|
|
|
|
| Roth, Roth Rollover & Educational IRA Share Certificates ** |
|
|
|
|
| |
$5,000.00
|
3.90%
|
12 Months
|
3.97%
|
| |
$5,000.00
|
4.00%
|
24 Months
|
4.07%
|
*APY = Annual Percentage Yield
** A penalty may be imposed for early withdrawal.
|
