Rates are effective as of 07/01/2008 and are subject to change without notice. Rates are stated as APY (Annual Percentage Yield).
| Share Savings ($100 min. balance to
earn dividends) |
0.50% |
0.50% |
| Money Market ($2500-$24999.99) |
1.40% |
1.41% |
| Money Market ($25,000.00 and Up) |
2.40% |
2.43% |
| Share Draft (Fee Free) |
0.00% |
0.00% |
| IRA Shares |
1.50% |
1.51% |
| Christmas Club |
0.75% |
0.75% |
Share Certificates - Minimum Balance $1,500
Rates are effective as of 07/01/2008
| 6 month |
2.80% |
2.84% |
| 12 month |
2.90% |
2.94% |
| 18 month |
3.00% |
3.04% |
| 24 month |
3.10% |
3.14% |
IRA Certificates – Minimum Balance $1,000
Rates are effective as of 07/01/2008
| 6 month |
2.80% |
2.84% |
| 12 month |
2.90% |
2.94% |
| 18 month |
3.00% |
3.04% |
| 24 month |
3.10% |
3.14% |
*The IRA Certificate rates quoted here also apply for Traditional, Roth and Education IRA’s
Rates are effective as of 07/01/2008 and are subject to change without notice.
Loan Rates are stated as APR (Annual Percentage Rate).
New Auto
| 100% |
4.25% |
$50,000 |
Up to 36 Months |
| |
4.50% |
$50,000 |
Up to 48 Months |
| |
4.75% |
$50,000 |
Up to 60 Months |
| |
5.75% |
$50,000 min.$20,000 |
Up to 72 Months |
| |
6.75% |
$50,000 min.$20,000 |
Up to 84 Months |
* Includes taxes, tags & extended warranties
Used Auto
| Up to 5 Years Old |
4.25% |
Up to 36 Months |
| Up to 5 Years Old |
4.50% |
Up to 48 Months |
| Up to 5 Years Old |
4.75% |
Up to 60 Months |
| 6–7 Years Old |
Add 1% |
Up to 60 Months |
* Financing available up to 100% NADA retail value
Home Equity Line Of Credit
| No Fees |
6.00%* |
$10,000 -100,000
(min. initial advance of $1000.00 required)
|
Up to 15 Years |
*Annual Percentage Rate; rate is tied to WSJ Prime Rate minus 1 and is subject to change semi-annually. Prime - 1%. Floor rate 6% and ceiling rate 18%.
Loan Calculator
Home Equity
| No Fees |
5.50% |
$10,000 - 100,000 |
Up to 60 Months |
| No Fees |
5.75% |
$25,000 - 100,000 |
Up to 84 Months |
| No Fees |
6.00% |
$35,000 - 100,000 |
Up to 120 Months |
Loan Calculator
All credit union loans are simple interest
without any pre-payment penalties
Signature Loan
| 8.90% |
$10,000 |
Up to 12 Months |
| 9.90% |
$10,000 |
Up to 24 Months |
| 10.90% |
$10,000 |
Up to 36 Months |
| 11.90% |
$10,000 |
Up to 48 Months |
Overdraft Protection
* Payment: $5 per $100 balance, $25 Per month minimum payment
Shares Secured
| 3.00% + (Current Share Dividend Rate) |
$100,000 |
Up to 60 Months |
Boats New & Used
| 7.90% |
$0 - $25,000 |
Up to 60 Months |
| 8.90% |
$25,001 - $50,000 |
Up to 84 Months |
* Not to exceed Blue Book value. A Marine survey may be required
Mobile Homes
| 7.90% |
$50,000 |
Up to 60 Months |
* Not to exceed NADA loan value or 80% of appraisal if provided
| Annual percentage rate (APR) for purchases |
11.90% |
| Other APRs |
Cash advance APR: 11.90% |
| Grace period for repayment of balances for purchases |
25 days from statement date |
| Method of computing the balance for purchases |
Average daily balance including new purchases |
| Annual fees |
None |
| Transaction fee for cash advances |
None |
| Late-payment fee |
$10.00 |
| Over-the-credit-limit fee |
$15.00 |
|
