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Rates current as of

Dividend Rates
Share Certificate Rates
Auto/Motorcycle Rates
Secured Loan Rates
Unsecured Loan Rates
Boat Loan Rates
Recreational Vehicle Loan Rates
Home Improvement Loan Rates
Mortgage Rates

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Automobile & Motorcycle Rates - New & Used

Loan Information

APR

Signed purchase agreement including VIN number and insurance binder with proof of comp. and collision required.

Proof of income also required.

as low as 1.74% for 36 months
as low as 1.94% for 37-60 months
as low as 3.19% for 61-84 months

Secured Loans

Loan Type

APR

Share Secured as low as 1.74
Other Secured as low as 5.50

Unsecured Loans

Loan Type

APR

Gold MasterCard 6.00% (Adjustable)
MasterCard 13.80% (Fixed)
Overdraft Line of Credit 14.00%
Signature 12 mo. max AS LOW AS 5.99%
Signature 13-48 mo. max AS LOW AS 7.99%
Debt Consolidation 12 mo. max AS LOW AS 8.00%
Debt Consolidation 13-48 mo. max AS LOW AS 9.74%
Paycheck Plus 6 mo. max 20.00%
Second Chance 24 mo. max AS LOW AS 13%

*Proof of income is required

Boat Loans

Boat Loan Information*

APR

Signed purchase agreement and insurance binder required.
Proof of income also required.

New - AS LOW AS 4.99
Used - AS LOW AS 5.49

Recreational Vehicle Loans

Non-Driveable Vehicle Information*

APR

Signed purchase agreement and insurance binder required.
Proof of income required.

New - AS LOW AS 4.99
Used - AS LOW AS 5.49

Home Improvement Loans

Loan Type

APR

Maximum Amount

Home Improvement 10 yr as low as 3.25 $100,000
Home Improvement 7 yr as low as 3.25 $100,000
Home Improvement 5 yr as low as 3.25 $100,000

Mortgages

(Subject to change weekly)

Loan Type

APR

*30 Year Fixed 85% LTV Mortgage 3.87
*15 Year Fixed 90% LTV Mortgage 3.03
*Above require PMI (Private Mortgage Insurance)
PMI not required when LTV is 80% or less

Share Certificates

Share Certificates are paid dividends on the last business day of the month, as per the terms of the individual certificate. Share Certificate rates, for new purchases, change weekly. Share Certificates have a minimum deposit of $500.00. A penalty may be imposed for early withdrawal.

Share Certificate Term

Dividend Rate

Annual Percentage Yield

3 Months No Longer Offered No Longer Offered
6 Months 0.10 0.10
9 Months 0.15 0.15
12 Months 0.25 0.25
24 Months 0.30 0.30
36 Months 0.35 0.35

Dividends

Our Board of Directors set the dividend rates quarterly. Dividends are paid to all savings accounts and club accounts on the last business day of March, June, September and December.

Account

Annual Percentage Yield

Primary Share Account* 0.075
Secondary Savings 3 0.075
Secondary Savings 5 0.075
Secondary Savings 8 0.075
Christmas Club** 0.25
Vacation Club*** 0.25
Share Draft Account (Checking) Not an interest bearing account

* Minimum balance requirement for primary savings ($5.00)
** Christmas Club (12 month acct) renews annually on October 1st.
*** Vacation Club (12 month acct) renews annually on July 1st.

Fees may reduce earnings on accounts and rates may change after the account is open. Dividends will be forfeited if the Member closes the account before accrued dividends are credited. Please visit the "fee and free service schedule" for fees associated with these accounts.

All rates are subject to change.
All loans are subject to approval.
Contact Loan Department personnel for details and restrictions

* Rates and terms determined by value of collateral, not by amount financed.

 
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