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Rates
Deposit Rates
Shares: Dividends paid quarterly
$5.00 - $4,999 0.50% APY 0.50%
$5,000 - $9,999 0.75% APY 0.75%
$10,000 - $24,999 1.00% APY 1.00%
$25,000 - $49,999 1.25% APY 1.26%
$50,000 & Over 1.50% APY 1.51%
Holiday Club APY 0.60%
Vacation Club APY 0.60%
My Club APY 0.50%
Money Market: Dividends paid monthly
$2500 - $24,999 2.00% APY 2.02%
$25,000 - $49,999 2.25% APY 2.27%
$50,000 & Over 2.50% APY 2.53%
Certificates:
6-Month: Dividends paid at maturity
$500 Minimum - 2.75% APY 2.77%
1-Year: Compounded monthly
$1000-$4,999 2.40% APY 2.43%
$5,000-$9,999 2.65% APY 2.68%
$10,000-$24,999 2.90% APY 2.94%
$25,000-$49,999 3.15% APY 3.20%
$50,000-$100,000+ 3.40% APY 3.45%
IRA: Dividends paid quarterly
2.00% APY 2.02%
SHARE DRAFTS: Dividends paid monthly
$500 minimum - .25% APY .25%
APY = Annual Percentage
Yield
DECLARATION OF DIVIDENDS AS OF 3/30/08
EFFECTIVE 5/1/08
Early withdrawal penalties will or may be imposed for early withdrawal
Fees could reduce earnings
Dividend rates, terms & conditions
are subject to change without notice.
Contact a representative for additional information and disclosures
Loan Rates
Effective: 5/1/2008
| Description |
APR |
| Home Equity LOC |
6.75%-11.75% |
| New Auto |
5.25% - 14.5% |
| Used Auto |
6% - 15.25% |
| Signature |
11% - 18% |
| Line of Credit |
14.5% |
New Recreation Vehicles
(RV,Boat ATV,Motorcycle) |
8.0% - 15.5% |
Used Recreation Vehicles
(RV,Boat ATV,Motorcycle)
|
9.0% - 16.5% |
| Tabular Disclosure |
Annual Percentage Rate (APR) for
Purchases |
VISA Classic
12.9%
VISA Platinum
9.9% |
Other APRs |
Cash Advance
VISA Classic....12.9%
VISA Platinum....9.9%
Balance Transfer
VISA Classic....12.9%
VISA Platinum....9.9% |
Grace Period for Purchases |
25 Days |
Method of Computing the Balances for Purchases |
Average Daily Balance (Including New Purchases) |
Annual Fee |
None |
Minimum Finance Charge |
None |
Transaction Fee for Purchases |
None |
Foreign Transaction Fee...........................1%
*
Late Payment Fee..............................$25.00 **
Over-the-Credit-Limit Fee....................$25.00
Cash Advance Fee...............................None
Return Check Fee..............................$22.00
* of transaction amount.
** if ten (10) or more days late. |
*APR = Annual percentage rate. All lending offers are subject to credit approval. Actual rates may vary depending on term of loan, amount financed, and personal credit history. Rates quoted are subject to change. Some restrictions may apply. Equal Opportunity Lender.
Please contact a loan officer at 1-800-221-4179 for additional
information.
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