Rates







Loans | Savings

The Board of Directors approved Loans Rates effective 1st Quarter of 2009 as follows:

PREFERRED RATE: You may be eligible for a 1/4% reduction in your annual percentage rate if you have Payroll Deduction or automatic transfer from your savings account. If you discontinue this service, your rate will increase 1/4% (discount does not apply to Home Equity/2nd Mortgages or Visa/MasterCard accounts).

Loans Rate APR* Term  
New Auto Loans (90% of purchase price including sales tax and other charges) 5.750 5.750 36 Calculator
New Auto Loans (90% of purchase price including sales tax and other charges) 6.000 6.000 48 Calculator
New Auto Loans (90% including sales tax and other charges) Minimum $10,000 6.250 6.250 60 Calculator
New Auto Loans (90% including sales tax and other charges) Minimum $20,000 6.500 6.500 72 Calculator
New Auto Loans 100% financing including sales tax and other charges 6.250 6.250 36 Calculator
New Auto Loans 100% financing including sales tax and other charges 6.500 6.500 48 Calculator
New Auto Loans 100% financing including sales tax and other charges - Minimum $10,000 6.750 6.750 60 Calculator
New Auto Loans - 100% financing including sales tax and other charges - Minimum $20,000 7.000 7.000 72 Calculator
New Boat & RV Loans (100% excluding sales tax and other charges) 6.250 6.250 36 Calculator
New Boat & RV Loans (100% excluding sales tax and other charges) 6.500 6.500 48 Calculator
New Boat & RV Loans (100% excluding sales tax and other charges) 6.750 6.750 60 Calculator
New Boat & RV Loans 100% financing excluding sales tax and other charges 7.000 7.000 72 Calculator
Used Auto, Boat & RV (Maximum advance: N.A.D.A. "Loan" Value)  100% of purchase price excluding sales tax & other charges 6.250 6.250 36 Calculator
Used Auto, Boat & RV (Maximum advance: N.A.D.A. "Loan" Value)  100% of purchase price excluding sales tax & other charges - minimum. $8,000 6.500 6.500 48 Calculator
Used Auto, Boat & RV (Maximum advance: N.A.D.A. "Loan" Value) 100% of purchase price excluding sales tax & other charges - minimum $10,000 new cars and minimum $15,000 used cars, boats, RVs 6.750 6.750 60 Calculator
Used Auto, Boat & RV (Maximum advance: NADA "Retail" Value) 6.750 6.750 36 Calculator

Used Auto, Boat & RV   Maximum advance:  NADA "Retail" Value     (Minimum $8,000 used cars, Boats, RVs)

7.000 7.000 48 Calculator
Used Auto, Boat & RV (Maximum advance: NADA "Retail"  Value)           Minimum $15,000 used cars, Boats, RVs) 7.250 7.250 60 Calculator
Stock or Bond Secured (Loan maximum of up to 70% of current market value) 6.250 6.250 36 Calculator
Stock or Bond Secured (Loan maximum of up to 70% of current market value) 6.500 6.500 48 Calculator
Stock or Bond Secured (Loan maximum of up to 70% of current market value) 6.750 6.750 60 Calculator
Stock or Bond Secured (Loan maximum of up to 70% of current market value) 7.000 7.000 72 Calculator
Share Secured 5.50 5.50 72 Calculator
Unsecured Signature Loans 11.750 11.750 36 Calculator
Unsecured Signature Loans 12.750 12.750 48 Calculator
2nd Mortgage/Home Equity Loans - Variable Rate (Prime) 5.00 5.00 180 Calculator
Fixed Rate Mortgages/Home Equity - Maximum loan of $50,000 5.75 5.75 60 Calculator
Visa Platinum/MasterCard - Variable Rate (Prime + 5%) 9.96 9.96 n/a Calculator
*APR = Annual Percentage Rate
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The Board of Directors projected the rates for the 1st Quarter of 2009 as follows:
Savings Dividend Rate APY* Term
Regular Share Accounts * 3.00 3.033 n/a
Share Drafts** 1.25 1.256 n/a
IRAs *** 4.00 4.060 n/a

*APY = Annual Percentage Yield

*The minimum balance to earn dividends on regular accounts is $50.00

**The minimum balance to earn dividends on share draft accounts is $1.00

***The minimum balance to earn dividends on IRA accounts is $200.00

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