Rates
| Investment Rates |
| |
Dividend Rate |
APY |
Minimum Balance to
earn Dividend
|
Share |
Shares |
.50% |
0.50% |
$5.00 |
Share Draft |
.25% |
0.25% |
$400.00 |
Christmas Club |
0.60% |
0.60% |
None |
Share Certificate - $500 Minimum |
6 Months |
1.15% |
1.15% |
$500 |
12 Months |
1.40% |
1.41% |
$500 |
Share Certificate - $10,000 Minimum |
6 Months |
1.25% |
1.25% |
$10,000 |
12 Months |
1.50% |
1.51% |
$10,000 |
18 Months |
1.75% |
1.76% |
$10,000 |
LOAN RATES |
Vehicle Loans |
|
Up to
3 years |
4 years |
5 years |
2006 and newer APR as low as
Payment per $1,000 per month |
4.74%
$29.86 |
4.74%
$22.90 |
4.74%
$18.75 |
2001 – 2005 APR as low as
Payment per $1,000 per month |
5.24%
$30.08 |
5.24%
$23.14 |
5.24%
$18.98 |
2000– Older APR as low as
Payment per $1,000 per month |
7.99%
$31.33 |
NA |
NA |
Recreational Vehicles |
2006 and newer APR as low as
Payment per $1,000 per month |
4.74%
$29.86 |
4.74%
$22.90 |
4.74%
$18.75 |
2001-2005 APR as low as
Payment per $1,000 per month |
5.24%
$30.08 |
5.24%
$23.14 |
NA |
Home Equity Loans |
Up to 80% Loan to Value APR as low as
Payment per $1,000 per month/15yrs |
4.99%
$7.91 |
NA |
5.24%
$8.04 |
80.01-90% Loan to Value APR as low as
Payment per $1,000 per month/15yrs |
6.49%
$8.71 |
NA |
6.99%
$8.99 |
Home Equity Line of Credit -- NEW -- |
4.00% APR up to 80% loan to value* |
5.00% APR for 80.01-90% loan to value* |
Other Loans |
Share or Certificate Secured |
5.00% APR or 2.00% over Certificate rate (higher of two) |
Unsecured APR as low as |
10.00% |
Kwik Cash APR |
13.50% |
Visa Card APR |
11.90% |
|
|
Rates in effect as of April 19, 2010. Rates are subject to change without notice.
Investments: APY: Annual Percentage Yield. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Full disclosure available. A substantial penalty may be imposed for early withdrawal on Share Certificate.
Loans: APR: Annual Percentage Rate. Your actual loan rate may be different depending upon your credit score. Final rates and terms subject to credit approval.
* Home Equity Line of Credit: The rate is variable and based on The Wall Street Journal prime rate on the last day of the month. If 80% or less loan to value ratio, the rate is 4.00% APR as of 10/31/08. Maximum APR is 18%. Homeowner's insurance is required. Appraisal fee of $250- $500 may be necessary.
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