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Rates

Rates are accurate as of 
September 1, 2010

Description

  INTEREST RATE

APY*

Share Type 01
$250 - $4999.99

   0.25%  0.25%


$5000 and over

   0.25%  0.25%
Share Type 04
$250 - $4999.99
   0.50%  0.50%


$5000 and over

 

   0.50%  0.50%

Little Sav Accounts
Jr. Saver Accounts
Teen Accounts
Balances over $50

   0.50%  0.50%
       
Christmas Club Accounts - Balances over $250    0.50%  0.50%
       
Vacation Club Accounts - Balances over $250    0.50%  0.50%
       

Accumulative Individual Retirement Accounts

Balances over $100

   .75%  .75%
       
Money Market Accounts - Balances over $2500    1.00%  1.01%
       
Share Draft Accounts    0.00%  0.00%
       
Business Checking Accounts      

$5000-$24,999.99

   0.25%

0.25%

 $25,000 - $99,999.99    0.25%  0.25%
$100,000 or greater    0.75%  0.75%
       

Share Certificates

 

Minimum deposit $500.00

     
  6-Month    0.65%  0.65%
 12-Month    0.85%  0.85%
 18-Month    0.85%   0.895%
 24-Month    1.24%  1.25%
 36-Month    1.88%  1.90%
 60-Month    2.37%  2.40%
     

Minimum deposit $2500.00

     
 12-Month    0.85%  0.85%
 15-Month    0.85%  0.85%
 18-Month    0.895%  0.85%
 24-Month    1.24%  1.25%
 36-Month    1.88%  1.90%
     
       

Penalty for early withdrawal of share certificates
15 month or less - 90 days dividends
18 months or more-180 days dividends 
Fees for early withdrawal may reduce earnings. 

     
       
Super Saver Certificate     0.75%  0.75%
 Minimum deposit $1000      
       
Allows for deposits of $500 or more during term.
1 withdrawal per year with no penalty as long as balance remains above $1000.
Additional withdrawals have 90 days dividend penalty. Penalty may reduce earnings
     
       
Adjustable Rate Share Certificate      

Minimum deposit $2500.00
Rate adjusts quarterly

     
 18-Month    0.31%  0.31%
 36-Month    0.56%  0.56%
 60-Month    0.81%  0.81%
       
Penalty for early withdrawal is 180-days dividends. Penalty may reduce earnings.      
       
IRA Certificates    Traditional
 Roth 
 Coverdell
 

Minimum Deposit $500

     
 18-Month    0.85%  0.85%
 36-Month    1.88%  1.90%
 60-Month    2.37%  2.40%
       
Adjustable IRA      

Minimum balance $500.00

     
 60-Month    1.09% 1.10%
       
Early withdrawal penalty is equal to 180 days dividends for all IRAs. Penalties may reduce earnings.      
       
VISA Platinum Credit  Card    APR**  
     9.9%  
     12.9%  
     15.9%  
Rate based on credit worthiness      
       
    APR**  
Signature/Line of Credit Loans 
  as low as 
9.90%

 up to 48 months

Rates based on credit worthiness       
       
Checking Plus  Line of Credit    9.00%  
       
Shared Secured        
Terms up to 120 months    3.50%  
       
Certificate Secured      
Term on CD secured loans cannot exceed the term of the Certificate of Deposit being used as collateral.   3.00% above the rate on the deposit instrument  
       

Mortgages

  APR**
Rate based on credit worthiness     as low as  
5 Year Fixed Home Equity    5.00%  
10 Year Fixed Home Equity    5.75%  
     
   
       

 

   
   
       

Home Equity Line of Credit

Rate adjusts twice a year. Rate is subject to change after the account is opened.

  4.25%  

 

Adjustable Mortgages

Rates are subject to change after account is opened. 

     
One-Year Adjustable Mortgage   4.00%  
Three Year Adjustable Mortgage    4.50%

 

 

 

 Five Year Adjustable Mortgage    5.00%

 

 

       
       
Costs vary with loan type and term Contact the loan department for additional information      
       

Vehicle Loans

 
Rates based on credit worthiness       
       
New Vehicle
Less than 3 years old with less than 6000 miles
    
                          
  APR**
as low as
 
New - 36 Months    3.99%  
New  - up to 60 Month    3.99%  
New - over 60 Months    3.99%  
Used Vehicle      
Used - 36 Months    5.25%  
Used - up to 60 Month    5.25%  
       
       
Recreational Vehicles
   APR**
as low as
 
Rates based on credit worthiness       
36-Months    6.00%  
up to 60 Months    6.00%  
over 60 Months    6.00%  
       
       
All rates are subject to change without notice      

 **APR - Annual Percentage Rate

Rate - Interest Rate

     

*APY denotes Annual Percentage Yield