Rates effective as of 10/16/2008. Please note that rates are subject to change.
Loan Special! Celebrate the holidays in style! Open a 12 month loan at 8.00%! Offer good 11/1/2008-2/28/09. $2,500 maximum. Some restrictions apply, please contact a loan officer for details.
Automobiles
| A | B | C | D | E | ||
| NEW 08 & 09 | MAX 72 MTH | 5.75 | 6.50 | 9.00 | 14.00 | 16.00 |
| USED 07 > 15,000 | MAX 72 MTH | 6.00 | 6.75 | 9.25 | 14.25 | 16.25 |
| USED 04 & 06 | MAX 60 MTH | 6.00 | 6.75 | 9.25 | 14.25 | 16.25 |
| USED 02 & 04 | MAX 48 MTH | 6.00 | 6.75 | 9.25 | 14.25 | 16.25 |
| USED 01 & UNDER | 36 MTH OR CR COMM | 6.00 | 6.75 | 9.25 | 14.25 | 16.25 |
Titled Recreational
| A | B | C | D | E | ||
| LESS THAN $15,000 | MAX TERM 72 MTHS | 6.75 | 7.50 | 9.75 | 14.75 | 16.75 |
| MORE THAN $10,000 | 5 YR BALLOON 180 AMORTIZ | 6.75 | 7.50 | 9.75 | 14.75 | 16.75 |
Untitled Recreational
| A | B | C | D | E | |
| TERMS DEPEND ON AGE | 7.75 | 8.50 | 11.50 | 16.00 | 18.00 |
Unsecured
| A | B | C | D | E | |
| MAX $5,000 48 MTHS | 10.00 | 12.00 | 14.00 | 16.00 | 18.00 |
Share Secured
| A | B | C | D | E | |
| FUNDS HELD IN SHARES HOLD DECREASES W/ BALANCE | 6.50 | 6.50 | 6.50 | 6.50 | 6.50 |
Mortgages - Max 80% of appraisal, max $300,000
| A | B | C | D | E | |
| 5 YR BALLOON UP TO 30YR AMORT | 7.25 | 7.25 | 7.75 | 8.25 | 8.75 |
| 10 YR BALLOON UP TO 30 YR AMORT | 6.75 | 6.75 | 7.25 | 7.75 | 8.25 |
2nd Mortgage Closed End
| A | B | C | D | E | |
| 10 YR BALLOON UP TO 30 YR AMORT OR UP TO 10 YR TERM | 6.75 | 6.75 | 7.25 | 7.75 | 8.25 |
HELOC Phase III
| A | B | C | D | E | |
| 10 YEAR DRAW/ 10 YR REPAY QTRLY INT ADJ | PRIME | PRIME | PRIME + 1 | PRIME + 2 | PRIME + 3 |
Credit Scores
| A+ | 700 and above |
| A | 675-699 |
| B | 640-669 |
| C | 600-639 |
| D | 550-599 |
| E | 549 and below |
Deposit Rates
Money Market
| $0-$2,500 | 0.50% |
| $2,500-$4,999 | 0.75% |
| $5,000-$9,999 | 1.00% |
| $10,000 | 1.25% |
| $20,000 | 1.50% |
| $25,000 | 1.75% |
| $500-$9,999 | $10,000+ | |
| 3 Mo. | 1.80% | 2.00% |
| 6 Mo. | 2.25% | 2.75% |
| 12 Mo. | 2.50% | 3.00% |
| 24 Mo. | 2.75% | 3.25% |
| 36 Mo. | 3.00% | 3.50% |
New Money CD! 14 month 3.75% Annual Percentage Yield paid at maturity. New money only. $10,000 Minimum. Early withdrawal penalty - regular share rate. Renews at current 12 month rate.
Special Youth CD! Under 18 years of old, receive 2.50% on a 12 month CD! ($200 minimum, 90 day penalty)
Miscellaneous Shares 0.50%
IRAs 1.00% (please see above for CD rates)
