|
 |
Rates Effective as of July 30, 2008 rates are subject to change without notice.
|
Certificates of Deposit
|
|
Term
|
Minimum Deposit
|
Dividend Rate
|
Annual Percentage Yield
|
Rate > $25,000
|
Yield > $25,000 |
Rate >$50,000
|
Yield > $50,000 |
|
6 Month
|
$2000
|
2.40%
|
2.43%
|
n/a
|
n/a
|
n/a
|
n/a
|
|
1 Year (Guppy)
|
$ 500
|
2.55%
|
2.58%
|
2.70%
|
2.73%
|
2.85%
|
2.89%
|
|
1 Year
|
$1000
|
2.55%
|
2.58%
|
2.70%
|
2.73%
|
2.85%
|
2.89%
|
|
18 Month
|
$1000
|
2.55%
|
2.58%
|
2.70%
|
2.73%
|
2.85%
|
2.89%
|
|
2 Year
|
$1000
|
2.85%
|
2.89%
|
3.00%
|
3.04%
|
3.15%
|
3.20%
|
|
3 Year
|
$1000
|
3.00%
|
3.04%
|
3.15%
|
3.20%
|
3.30%
|
3.35%
|
|
4 Year
|
$1000
|
3.20%
|
3.25%
|
3.35%
|
3.40%
|
3.50%
|
3.56%
|
|
5 Year
|
$2500
|
3.40%
|
3.45%
|
3.55%
|
3.61%
|
3.70%
|
3.76%
|
|
IRA Rates
|
|
Term
|
Minimum Deposit
|
Dividend Rate
|
Annual Percentage Yield
|
Rate > $25,000
|
Yield > $25,000 |
Rate >$50,000 |
Yield > $50,000 |
|
Variable
|
$5
|
1.00%
|
1.00%
|
n/a
|
n/a
|
n/a
|
n/a
|
|
1 Year
|
$2000
|
2.55%
|
2.57%
|
2.70%
|
2.73%
|
2.85%
|
2.88%
|
|
18 Month
|
$1000
|
2.55%
|
2.57%
|
2.70%
|
2.73%
|
2.85%
|
2.88%
|
|
30 Month
|
$ 500
|
2.85%
|
2.88%
|
3.00%
|
3.03%
|
3.15%
|
3.19%
|
|
3 Year
|
$2000
|
3.00%
|
3.03%
|
3.15%
|
3.19%
|
3.30%
|
3.34%
|
|
4 Year
|
$2000
|
3.20%
|
3.24%
|
3.35%
|
3.39%
|
3.50%
|
3.55%
|
|
5 Year
|
$2000
|
3.40%
|
3.44%
|
3.55%
|
3.60%
|
3.70%
|
3.75%
|
| |
|
Statement Savings
|
|
Type
|
Minimum Deposit |
Dividend Rate |
Annual Percentage Yield |
|
Variable (00)
|
$100
|
0.40%
|
0.40%
|
|
Children (00)
|
None
|
0.40%
|
0.40%
|
|
Youth (00)
|
None
|
0.40%
|
0.40%
|
|
Super Share (63)
|
$2,500
|
0.75%
|
0.75%
|
|
Super Share (63)
|
Below $2,500
|
0.40%
|
0.40%
|
The above accounts are variable rate accounts. The dividend rate and Annual Percentage yield (APY) may change after the account is opened. Balances below the minimum required to earn APY will not earn dividends. A penalty will be imposed for early withdrawal on all certificates, unless otherwise noted. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Schedule of Fees and Truth and Savings disclosures for complete details of fees and conditions.
All deposits insured by NCUA up to $100,000.
|
AUTO LOAN RATES
|
|
Model Year
|
Maximum Financing
|
Maximum Term
|
Annual Percentage Rate as low as
|
|
2006 - 2008
|
100%
|
24-60 Months
|
4.49%
|
|
2006 - 2008
|
100%
|
72 Months*
|
7.25%
|
|
2004-2005
|
100%
|
24-60 Months
|
4.99%
|
|
2001-2003
|
100% |
24-60 Months |
5.75% |
| BOAT & RV LOAN RATES |
|
Model Year
|
Maximum Financing |
Maximum Term |
Annual Percentage Rate as low as |
|
2001 - 2008
|
80% |
60 Months** |
8.40% |
|
2001 - 2008
|
80% |
120 Months** |
8.90% |
| MOTORCYCLE LOAN RATES |
|
Model Year
|
Maximum Financing |
Maximum Term |
Annual Percentage Rate as low as |
|
2004 - 2008
|
90% |
60 Months |
6.90% |
| PERSONAL SECURED LOAN RATES |
|
Type
|
Maximum Financing |
Maximum Term |
Annual Percentage Rate as low as |
|
Secured
|
80% |
48 Months |
8.90% |
| PERSONAL UNSECURED LOAN RATES |
|
Type
|
Maximum Financing |
Maximum Term |
Annual Percentage Rate as low as |
|
Unsecured
|
$10,0000 |
48 Months |
11.90% |
| VACATION LOAN |
|
Type
|
Maximum Financing
|
Maximum Term
|
Annual Percentage Rate as low as
|
|
Unsecured
|
$5,000
|
24 Months
|
9.90%
|
|
JUST FOR YOU LOAN
|
|
Type
|
Maximum Financing
|
Maximum Term
|
Annual Percentage Rate as low as
|
|
Medical
|
$5,000
|
48 Months
|
9.90%
|
| TUITION LOAN RATES |
|
Type
|
Maximum Financing |
Maximum Term |
Annual Percentage Rate as low as |
|
School Tuition
|
$10,000 |
48 Months |
8.00% |
| HOME EQUITY LINE OF CREDIT RATES |
|
Loan to Value
|
Maximum Amount |
Term |
Annual Percentage Rate |
|
80%
|
$100,000 |
240 Months |
Prime for life of loan |
| FIXED RATE HOME EQUITY LOAN RATES |
|
Loan to Value
|
Minimum/Maximum Amount |
Term |
Annual Percentage Rate As low as
|
|
80%
|
$10,000/$100,000 |
60 Months |
5.75% |
|
80%
|
$10,000/$100,000 |
120 Months |
6.50% |
|
80%
|
$10,000/$100,000 |
180 Months |
6.75% |
| FIRST LIEN HOME EQUITY LOAN RATES |
|
Type
|
Maximum Amount |
Term |
Annual Percentage Rate |
|
First Lien Home Equity
|
$150,000 |
60 Months |
5.75% |
|
First Lien Home Equity
|
$150,000 |
120 Months |
6.25% |
|
First Lien Home Equity
|
$150,000 |
180 Months |
6.50% |
|
First Lien Home Equity
|
$150,000 |
240 Months |
6.75% |
Rates are determined by overall credit worthiness. Rates, terms and conditions are subject to change without notice.
Rates include a .25% discount for automatic payment. Appraisal may be required for equity loans. Application fee of $25.00 for auto, motorcycle, and RV loans. * Minimum loan amount of $20,000.00 for terms greater than 60 months. ** Term restrictions may apply. ***Maximum loan amount $15000.00. |
