Loans | Savings | Certificates
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*APR=Annual Percentage Rate. Rates effective as of July 1, 2010. Rates and terms subject to change at any time. Loan rates are based upon your credit score, term and model year. Rates disclosed are the lowest rates available. All loans subject to normal credit approval. Line of Credit carries a $10 annual fee. Payment examples are available by clicking on the Calculator above or $25,000 mortgage rate of 6.50% for 10 years would have a monthly principal and interest payment of $283.79
**Home Equity Line of Credit is 4.00% Annual Percentage Rate based on 90% or less Loan to Value Ratio.This is a variable rate that is subject to change quarterly, based upon Wall Street Journal prime rate plus 0% subject to a minimum rate of 4.00%. Maximum rate is 18%. Closing costs range from $100 to $1,000. After you obtain the first advance, the minimum amount of each subsequent advance is $500. You should consult a tax advisor regarding the deductibility of interest. Property insurance is required.
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| Savings |
Dividend Rate |
APY* |
Term |
Minimum Balance |
| Share Savings |
0.25 |
0.25 |
n/a |
105 |
| Club Savings |
0.25 |
0.25 |
n/a |
105 |
| Holiday Club Savings |
1.00 |
1.00 |
n/a |
5 |
| Money Market and IRA Savings Tier 1 |
0.40 |
0.40 |
n/a |
2,500 |
| Money Market and IRA SavingsTier 2 |
0.50 |
0.50 |
n/a |
10,000 |
| Money Market and IRA Savings Tier 3 |
0.65 |
0.65 |
n/a |
25,000 |
| Money Market and IRA Savings Tier 4 |
0.75 |
0.75 |
n/a |
50,000 |
| Money Market Tier and IRA Savings Tier 5 |
0.90 |
0.90 |
n/a |
100,000 |
| Balance Plus Checking |
0.20 |
0.20 |
n/a |
500 |
| EZ Checking |
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0.00 |
n/a |
0 |
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APY=Annual Percentage Yield.The annual percentage yield is accurate as of July 1, 2010. The rates are subject to change at any time. Balances are Average Daily Balance. Dividends accrue on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid. The minimum balance is the balance necessary to earn the advertised annual percentage yield. Fees could reduce earnings on the accounts.
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| Share Certificates |
Dividend Rate |
APY* |
Term |
| 6 Month Certificate |
0.75 |
0.75 |
6 |
| 12 Month Certificate |
1.00 |
1.00 |
12 |
| 24 Month Certificate |
1.49 |
1.50 |
24 |
| 24 Month Step-Up Certificate ($1,000 minimum) |
1.49 |
1.50 |
24 |
| 36 Month Certificate |
1.89 |
1.90 |
36 |
| 36 Month Step-Up Certificate ($1,000 minimum) |
1.89 |
1.90 |
36 |
| 6 Month Jumbo Certificate ($25,000 minimum) |
0.95 |
0.95 |
6 |
| 12 Month Jumbo Certificate ($25,000 minimum) |
1.19 |
1.20 |
12 |
| 24 Month Jumbo Certificate ($25,000 minimum) Step-Up option available |
1.69 |
1.70 |
24 |
| 36 Month Jumbo Certificate ($25,000 minimum) Step-Up option available |
2.08 |
2.10 |
36 |
| IRA/Roth 12 Month Certificate - Step-Up option ($1,000 minimum) |
1.19 |
1.20 |
12 |
| IRA/Roth 24 Month Certificate - Step-Up option ($1,000 minimum) |
1.69 |
1.70 |
24 |
| IRA/Roth 36 Month Certificate - Step-Up option ($1,000 minimum) |
2.08 |
2.10 |
36 |
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APY=Annual Percentage Yield. The annual percentage yield is accurate as of July 1, 2010. Rates subject to change at any time. Penalty will be imposed for early withdrawal. Certificates compound dividends quarterly and are automatically renewable. Regular certificates require a $500 minimum opening deposit and Jumbo certificates require a $25,000 minimum opening deposit. Step-Up certificates require a $1,000 minimum opening deposit and rate may be increased one time for the remaining term of the certificate.
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