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Rates

 

Checking & Savings Dividend Rates

 
1 - Mar - 14 Checking & Savings 1 - Apr - 14
Last Month Current Month
Rate APY Rate APY
Regular Shares
0.05% 0.05% $5 to $4,999 0.05% 0.05%
0.05% 0.05% $5,000 to $9,999 0.05% 0.05%
0.07% 0.07% $10,000 to $24,999 0.07% 0.07%
0.10% 0.10% $25,000 and over 0.10% 0.10%
Club Accounts
0.05% 0.05% $5 to $4,999 0.05% 0.05%
0.05% 0.05% $5,000 to $9,999 0.05% 0.05%
0.07% 0.07% $10,000 to $24,999 0.07% 0.07%
0.10% 0.10% $25,000 and over 0.10% 0.10%
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0.05% 0.05% Share Draft (Checking) Accounts 0.05% 0.05%
Money Market Accounts
0.05% 0.05% $5,000 to $24,999
0.05% 0.05%
0.10% 0.10% $25,000 to $99,999
0.10% 0.10%
0.15%
0.15% $100,000 and over 0.15% 0.15%
IRA Accounts*
0.55% 0.55% Traditional IRA 0.55% 0.55%
0.55% 0.55% Roth IRA 0.55% 0.55%
0.55% 0.55% Coverdell ESA (Education Savings Account) 0.55% 0.55%
*Members may also invest IRA funds in Share Certificates and Jumbo Share Certificates.
Share Certificates ($500 minimum)*
0.05% 0.05% 6 months 0.05% 0.05%
0.05% 0.05% 9 months 0.05% 0.05%
0.20% 0.20% 12 months 0.20% 0.20%
0.30% 0.30% 18 months 0.30% 0.30%
0.50% 0.50% 24 months 0.50% 0.50%
0.85% 0.85% 36 months 0.85% 0.85%
0.95% 0.95% 48 months 0.95% 0.95%
1.21% 1.21% 60 months 1.20% 1.21%
Jumbo Share Certificates ($25,000 minimum)*
0.10% 0.10% 6 months 0.10% 0.10%
0.10% 0.10% 9 months 0.10% 0.10%
0.25% 0.25% 12 months 0.25% 0.25%
0.35% 0.35% 18 months 0.35% 0.35%
0.55% 0.55% 24 months 0.55% 0.55%
0.90% 0.90% 36 months 0.90% 0.90%
1.00% 1.00% 48 months 1.00% 1.00%
1.25% 1.26% 60 months 1.25% 1.26%
Ask about the bump-up option on the 24, 36, 48, and 60 month jumbo share certificates
*(early withdrawal penalty may apply)

Loan Interest Rates

 
LOAN INTEREST RATES 1-Apr-14
Current Month
APR Per Diem
Personal Loans & Credit Cards
RANGE RANGE
Variable: Signature A 6.50% TO 10.75% 0.017808% TO 0.029452%
Computer Loan 6.50% 0.017808%
Tuition Assistance 6.50% 0.017808%
Fixed: E-Z Pay Loan ($5,000 Maximum) 12.00% 0.032877%
Personal (60 months) 14.00% 0.038356%
Credit Cards: VISA Titanium 9.90% 0.027123%
VISA Platinum 10.90% 0.029863%
VISA Gold 12.90% 0.035342%
Share Secured
Variable: Secured by Regular Shares Current Dividend Rate + 2.00%
Fixed: Secured by Share Certificate CF Rate + 2.00%
Vehicle (Collateral) Loans
RANGE RANGE
Variable: Collateral (Vehicle, RV, Boat, etc)A 6.50% to 10.50% 0.017808% to 0.028767%
Partially Secured by Title (Min 50% of Value) A 6.50% to 12.50% 0.017808% to 0.034247%
Partially Secured by Title (20-49% of Value) A 6.50% to 12.50% 0.017808% to 0.034247%
Fixed Vehicle: 36 months New & Used A 2.00% to 5.00% 0.005479% to 0.013699%
48 months New & Used A 3.00% to 6.00% 0.008219% to 0.016438%
60 months New & Used A 4.00% to 7.00% 0.010959% to 0.019178%
72 months New & Used A ($20,000+) 5.75% to 8.75% 0.015753% to 0.023973%
84 months New & Used A ($20,000+) 5.95% to 8.95% 0.016301% to 0.024521%
SAME LOW RATES! - New & Used Vehicle Loans
Boat and Recreational Vehicle (Collateral) Loans
Fixed: up to 60 months Years 2008 and Newer A 6.00% to 9.00% 0.016438% to 0.024658%
61 to 84 months Years 2008 and Newer A 6.50% to 9.50% 0.017808% to 0.026027%
85 to 144 months Years 2008and Newer A 7.50% to 10.50% 0.020548% to 0.028767%
Fixed: up to 60 months Years 2003 to 2007 A 7.00% to 10.00% 0.019178% to 0.027397%
61 to 84 months Years 2003 to 2007A 8.00% to 11.00% 0.021918% to 0.030137%
A Rates may vary based on term and credit worthiness
Home Equity & Investment
Variable: Various terms Up to 75% LTV 6.50% 0.017808%
Various terms Up to 90% LTV 6.50% 0.017808%
Various terms Up to 100% LTV 6.50% 0.017808%
Fixed: 36 months Up to 80% LTV 6.00% 0.016438%
48 months Up to 80% LTV 6.25% 0.017123%
60 months Up to 80% LTV 6.50% 0.017808%
120 months Up to 80% LTV 7.00% 0.019178%
180months Up to 80% LTV 7.50% 0.020548%
Fixed: 36 months Up to 100% LTV 7.50% 0.020548%
48 months Up to 100% LTV 7.75% 0.021233%
60 months Up to 100% LTV 8.00% 0.021918%
120 months Up to 100% LTV 8.50% 0.023288%
180 months Up to 100% LTV 9.00% 0.024658%
Fixed: 120 months Investment (Land) 7.00% 0.019178%
OUR MORTGAGE LOAN RATES ARE EXCELLENT
CALL A LOAN OFFICER FOR OUR GREAT LOW RATES
Prime Rate in the Wall Street Journal As of December 18, 2013:  3.25%

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