Rates

Rates are accurate as of  May  1, 2014.  All rates are subject to change without notice.

Share/Savings
Share Type 01 Min. Opening
Deposit

Min. Balance to
Earn the Stated
APY
Rate        APY**
$250 - $4999.99 $5.00 $250.00 0.15%    0.15%
$5.000 and over     0.15%    0.15%
Share Type 04
$250 - $4999.99   $250.00 0.15%    0.15%
$5000 and over     0.15%    0.15%
Little, Junior & Teen Saver Accounts
Balances $50 and over    $50.00 0.15%    0.15%
Christmas Club Accounts
Balances $250 and over                                                           $250.00        0.15%   0.15%
Vacation Club Accounts
Balances $250 and over                                              $250.00      0.15%   0.15%
Accumulative Individual Retirement Accounts
Balances $100 and over                                                            $100.00     0.25%     0.25%
Money Market Accounts
Balances $2,500  to $24,999.99                                                  $2,500.00      0.15%     0.15%
Balances $25,000 to $99,999.99    0.15%     0.15%
Balances $100,000.00 & over    0.25%     0.25%
Money Market rate is calculated monthly and may change after account opening.
Fees could reduce earnings.

Share Draft Accounts
All Balances                                                                                               0.00%  0.00%
Business Checking Accounts
$5000-$24,999.99                                                                         $5,000.00   0.15%       0.15%
$25,000 - $99,999.99   0.15%       0.15%
$100,000 or greater   0.15%       0.15%

Business Checking rate is calculated monthly and may change after account opening.
Fees could reduce earnings.

Share Certificates
Minimum deposit $500.00      Rate       APY**
6-Month      0.15%     0.15%
12-Month      0.25%     0.25%
18-Month      0.25%     0.25%
24-Month      0.50%     0.50%
30-Month      0.50%     0.50%
36-Month      0.90%     0.90%
60-Month      1.29%     1.30%
Minimum deposit $2,500.00
12-Month      0.25%     0.25%
15-Month      0.25%     0.25%
18-Month      0.25%     0.25%
24-Month      0.50%     0.50%
36-Month      0.90%     0.90%

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

 

Super Saver Certificate                
12 Months Rate     APY**
Minimum deposit $1000 0.15%     0.15%

Allows for deposits of $500 or more during term. 
One 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
Adjustable Certificates are no longer offered. Rates are posted for those members
who already have an Adjustable Certificate. Options will be offered at renewal date.
Minimum deposit $2500.00
Rate adjusts quarterly and may change after opening    Rate    APY**
18-Month  0.11%     0.11%
36-Month  0.36%     0.36%
60-Month  0.61%     0.61%

Penalty for early withdrawal is 180 days dividends. Penalty may reduce earnings.

IRA Certificates                                  
Traditional, Roth & Coverdell  
Minimum Deposit $500   Rate    APY**
18-Month    0.25%     0.25%
36-Month    0.90%     0.90%
60-Month    1.29%     1.30%
Adjustable IRA  
Minimum balance $500.00 - Adjusts Quarterly  
We no longer offer Adjustable IRA Certificates
Rate is posted for those who already have an
Adjustable Certificate. Options will be available
at renewal.
 
60-Month  1.02%     1.03%

Early withdrawal penalty is equal to 180 days dividends for all IRAs. Penalties may reduce earnings.
Account may be subject to an IRS penalty for early withdrawal.

VISA Platinum Credit Card
Rate based on credit worthiness APR*
as low as 9.90%


Loan Calculator Image

Unsecured Loans
Signature Loans
Rate based on credit worthiness APR*
Up to 48 months  - as low as  9.90%
Checking Plus Line of Credit
Rate based on credit worthiness APR*
Rate adjusts January 1 & July 1 - as low as  9.00%
Certificate Secured
3.00% APR* above the rate on the deposit instrument.
Term on CD secured loans cannot exceed the term of the Certificate of Deposit being used as collateral.
Share Secured
  APR*
Up to 120 months     3.50%
Mortgages
Rate based on credit worthiness                  APR*
  as low as 
Fixed Home Equity  
 10 year Fixed Home Equity  3.50%
 15 year Fixed Home Equity  4.00%
Home Equity Line of Credit
Rate adjusts twice a year. Rate is subject to change after the account is opened.
Maximum rate of 15% APR* and a floor of 4.00% APR*
 3.25%
 
Mortgage
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Partner, Unifirst Mortgage, a locally owned and operated, full service mortgage banking
organization. Come experience the "White Glove" treatment.

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

Vehicle Loans 
Rates based on credit worthiness 
New Vehicle 
2013-2014 APR*
  as low as 
New - 36 Months 2.99% 
New - up to 60 Months 2.99% 
New - over 60 Months 2.99% 
Used Vehicle 
2012 and below 
Used - 36 Months 3.99% 
Used - up to 60 Months 3.99% 
Recreational Vehicles 
Rates based on credit worthiness 
36 Months 6.00% 
Up to 60 Months 6.00% 
Over 60 Months 6.00% 


.25 basis point reduction with transfer from primary
checking account for new, used or recreational vehicles and signature loans.

Subject to Credit Approval

All rates are subject to change without notice.
*APR - Annual Percentage Rate
**APY - Annual Percentage Yield
 



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Johnstown, PA 15904
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Somerset, PA 15501
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169 Mini Mall Road
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Ebensburg, PA 15931