Rates
The following is an overview of all current savings and loan rates. For more detail on the individual products please see the appropriate sections on products & services.
| Standard Savings |
| Effective Date: 07/01/10 |
| Dividend/interest is calculated using the Daily Balance Method compounded and posted to the last day of each month. |
| Name | Minimum Balance | Divident/Interest Rate | Annual Percentage Yield (APY) |
| Member Share** |
$5 |
0.20% |
0.20% |
| Penny Pincher |
$5-$99 |
0.20% |
0.20% |
| Penny Pincher |
$100 |
0.45% |
0.45% |
| Christmas Club |
$0 |
0.20% |
0.20% |
| Check Plus |
$500 |
0.20% |
0.20% |
| Money Market |
$2,000 |
0.35% |
0.35% |
| Money Market |
$20,000 |
0.60% |
0.60% |
| Money Market |
$75,000 |
0.80% |
0.80% |
| Money Market |
$200,000 |
1.19% |
1.20% |
| IRA (all) |
$0 |
0.60% |
0.60% |
| Health Savings (HSA) |
$0 |
0.60% |
0.60% |
*Please Note: Fees may reduce earnings.
**This account will not earn interest, unless it maintains a minimum daily balance of $100.
| Certificates of Deposit |
| Effective Date: 07/01/10 |
| Dividend/interest is calculated using the Daily Balance Method compounded and posted the last day of each month. |
| Name | Minimum Balance | Divident/Interest Rate | Annual Percentage Yield (APY) |
| 6 Month |
$500 |
.65% |
.65% |
| One Year |
$500 |
1.19% |
1.20% |
| 18 Month |
$500 |
1.29% |
1.30% |
| Two Year |
$500 |
1.49% |
1.50% |
| Three Year |
$500 |
1.98% |
2.00% |
| Four Year |
$500 |
2.33% |
2.35% |
| Five Year |
$500 |
2.72% |
2.75% |
| Five Year Jumbo |
$50,000 |
2.86% |
2.90% |
*Please Note: Fees may reduce earnings.
| Auto Loans |
| Effective Date: 07/01/10 |
| Name | Term | Rate |
| New/Used Auto |
12-36 Months |
As low as 3.75% |
| New/Used Auto |
37-60 Months |
As low as 4.25% |
| New/Used Auto |
61-72 Months |
As low as 5.25% |
| New/Used Auto |
73-84 Months |
As low as 6.49% |
| Recreational Vehicles |
| Effective Date: 07/01/10 |
| This category includes RVs, Snowmobiles, Motorcycle and ATVs. |
| Name | Term | Rate |
| New/Used RV |
Up to 36 Months |
As low as 6.50% |
| New/Used RV |
37-48 Months |
As low as 6.75% |
| New/Used RV |
49-60 Months |
As low as 7.00% |
| New/Used RV |
61-72 Months |
As low as 7.25% |
| New/Used RV |
73-120 Months |
As low as 7.75% |
| New/Used Motorcycles over 500cc |
12-36 Months |
As low as 3.75% |
| New/Used Motorcycles over 500cc |
37-60 Months |
As low as 4.25% |
| New/Used Motorcycles over 500cc |
61-72 Months |
As low as 5.25% |
| New/Used Motorcycles over 500cc |
73-84 Months |
As low as 6.49% |
| Additional Loan Options |
| Effective Date: 07/01/10 |
| Name | Term | Rate |
| Revolving Credit |
72 Months |
As low as 14.00% |
| Share Secured Loan |
to 60 Months on share or certificate maturity |
3.0 points over dividend rate |
| Home Equity Loans |
| Effective Date: 07/01/10 |
| Name | Rate | Term |
| Open Ended Variable |
As low as 4.00% |
n/a |
| Closed End |
As low as 6.00% |
60 Months |
| Closed End |
As low as 6.25% |
120 Months |
| Closed End |
As low as 6.75% |
180 Months |
| Closed End |
As low as 7.00% |
240 Months |
