|
 |
|
SAVING RATES
| |
| SHARE ACCOUNTS |
Balance |
Rate |
APY* |
| SHARE SAVINGS |
On balances $100.00 and greater
|
.85% |
.85% |
| |
|
|
|
| MONEY MARKET |
$2,500.00 - $19,999.00 |
1.49% |
1.50% |
| SPLIT RATE |
$20,000.00 - $49,999.00 |
1.98% |
2.00% |
| SPLIT RATE |
$50,000.00 and over |
2.72% |
2.75% |
| GOLDEN EAGLE CHECKING |
|
1.00% |
1.00% |
| SILVER EAGLE CHECK |
|
0.50% |
0.50% |
| STUDENT CHECKING |
|
0.50% |
0.50% |
| CHRISTMAS CLUB |
.75% |
.75% |
| VACATION CLUB |
.75% |
.75% |
| IRA SHARES |
$20.00 minimum |
1.98% |
2.00% |
| |
|
|
|
| TIME DEPOSITS |
|
Rate |
APY* |
| SHARE CERTIFICATES |
$500.00 minimum |
|
|
| 3 MONTH CERTIFICATE |
|
2.50% |
2.53% |
| 6 MONTH CERTIFICATE |
|
2.75% |
2.78% |
| IRA AND SHARE CERTIFICATES |
$500.00 minimum |
|
|
| 1 YEAR CERTIFICATE |
|
3.35% |
3.40% |
| 1 ½ YEAR CERTIFICATE |
|
3.50% |
3.56% |
| 2 YEAR CERTIFICATE |
|
3.70% |
3.76% |
| 2 ½ YEAR CERTIFICATE |
|
3.80% |
3.87% |
| 3 YEAR CERTIFICATE |
|
3.80% |
3.87% |
| 4 YEAR CERTIFICATE |
|
4.00% |
4.07% |
| 5 YEAR CERTIFICATE |
|
4.10% |
4.18% |
Loan Rates as Low as
| NEW/USED AUTOS |
Approx Term |
APR |
| 2002 - 2008 |
|
36 Months |
5.50% |
| 2004 - 2008 |
|
48 Months |
5.50% |
| 2007 - 2008 |
balances in excess of $10,000.00 |
60 Months |
6.00% |
| New Vehicles Only |
balances in excess of $20,000.00 |
72 Months |
6.75% |
All rates include a .25% discount for automatic payments. Deduct an additional .25% with a down payment of 10% or more. Used vehicle values are based on NADA values. We can customize your terms to fit your needs!
|
| |
| CLASSIC MASTERCARD |
12.5% APR |
NO ANNUAL FEE |
|
| GOLD MASTERCARD |
9.25% APR |
NO ANNUAL FEE |
|
| PLATINUM MASTERCARD |
7.90% APR |
NO ANNUAL FEE |
|
| |
|
|
|
|
| SHARE CERTIFICATES SECURED |
3% over your current share certificate rate |
|
Term of Share certificate |
| |
| PERSONAL LOAN |
(secured or unsecured) |
|
|
| Loan Amount |
Maximum Term |
APR |
|
| $500.00 - $2,500.00 |
24 MONTHS |
9.00% |
|
| $2,500 - $ 5,000.00 |
36 MONTHS |
9.00% |
|
| $5,000 - $10,000.00 |
48 MONTHS |
9.00% |
|
| $2,500.00 OR GREATER |
24 MONTHS OR LESS |
8.00% |
|
| |
| HOME EQUITY Line of Credit
|
| Loan Amount |
APR |
|
|
| $5,000.00 - $100,000.00 |
5.25% Prime for life adjusted on the first day of each month. |
|
|
| |
| FIRST MORTGAGE LOANS |
Call for current rates |
| |
| SECOND MORTGAGE LOANS |
|
|
| Term |
APR |
|
|
| 5 YEAR |
5.75% |
|
|
| 7 YEAR |
5.75% |
|
|
| 10 YEAR |
6.50% |
|
|
| 15 YEAR |
6.50% |
|
|
| |
| NEW BOATS, RV'S |
|
|
|
| Loan Amount |
Term |
APR |
|
| $5,000.00 - $10,000.00 |
approx 60 MONTHS |
7.75% |
|
| $10,000.00 - $15,000.00 |
approx 84 MONTHS |
8.00% |
|
| $15,000.00 - $25,000.00 |
approx 120 MONTHS |
8.25% |
|
| $25,000.00 and greater |
approx 144 MONTHS |
8.50% |
|
| USED BOATS, RV'S |
|
|
|
| $500.00 - $20,000.00 |
60 MONTHS MAX |
9.75% |
|
| |
| OTHER COLLATERAL LOAN (including motorcycles)
|
| Loan Amount |
Term |
Annual |
|
| % Rate up to Value of Security |
48 MONTHS MAX |
8.25% - 18.0% |
|
| |
| OVERDRAFT PROTECTION |
|
|
| MAX AMOUNT = |
$2,000.00 |
APR = |
9.75% |
All rates accurate as of 4/11/2008
*APY = Annual Percentage Yield
|
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|
