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Rates
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Rates are accurate as of |
INTEREST RATE |
APY*
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Share Type 01 |
0.25% | 0.25% | |
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|
0.25% | 0.25% | |
| Share Type 04 $250 - $4999.99 |
0.50% | 0.50% | |
|
|
0.50% | 0.50% | |
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Little Sav Accounts |
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% | |
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Share Certificates |
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Minimum deposit $500.00 |
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| 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% | |
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Minimum deposit $2500.00 |
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| 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% | |
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Penalty for early withdrawal of share certificates |
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| 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 |
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| Adjustable Rate Share Certificate | |||
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Minimum deposit $2500.00 |
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| 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 |
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Minimum Deposit $500 |
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| 18-Month | 0.85% | 0.85% | |
| 36-Month | 1.88% | 1.90% | |
| 60-Month | 2.37% | 2.40% | |
| Adjustable IRA | |||
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Minimum balance $500.00 |
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| 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 | ||
| APR** | |||
| Rate based on credit worthiness | as low as | ||
| 5 Year Fixed Home Equity | 5.00% | ||
| 10 Year Fixed Home Equity | 5.75% | ||
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Home Equity Line of Credit Rate adjusts twice a year. Rate is subject to change after the account is opened. |
4.25% | ||
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Adjustable Mortgages Rates are subject to change after account is opened. |
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| One-Year Adjustable Mortgage | 4.00% | ||
| Three Year Adjustable Mortgage | 4.50% |
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| Five Year Adjustable Mortgage | 5.00% |
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| Costs vary with loan type and term Contact the loan department for additional information | |||
| Rates based on credit worthiness | |||
| New Vehicle Less than 3 years old with less than 6000 miles |
APR** as low as |
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| 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 |
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| 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
