Rates effective as of 3/1/2010. Please note that rates are subject to change.
Automobiles
Loan Rates APR = Annual Percentage Rate
Titled Recreational
| A | B | C | D | E | ||
| NEW 09 & 10NEW 09 & 10 MIN. $30,000 | MAX 72 MTHMAX 84 MTH | 4.75 5.25 | 5.255.75 | 7.757.75 | 13.2513.25 | 15.2515.25 |
| USED 08 > 15,000 | MAX 72 MTH | 4.75 | 5.25 | 7.75 | 13.25 | 15.25 |
| USED 06 & 07 | MAX 60 MTH | 5.25 | 5.75 | 7.75 | 13.25 | 15.25 |
| USED 04 & 05 | MAX 48 MTH | 5.50 | 6.00 | 8.00 | 13.50 | 15.50 |
| USED 03 & UNDER | 36 MTH OR CR COMM | 6.00 | 6.50 | 8.50 | 14.00 | 16.00 |
Loan Rates APR = Annual Percentage Rate
| 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
Loan Rates APR = Annual Percentage Rate
| A | B | C | D | E | |
| TERMS DEPEND ON AGE | 7.75 | 8.50 | 11.50 | 16.00 | 18.00 |
Unsecured
Loan Rates APR = Annual Percentage Rate
| A | B | C | D | E | |
| MAX $5,000 48 MTHS | 10.00 | 12.00 | 14.00 | 16.00 | 18.00 |
Share Secured
Loan Rates APY = Annual Percentage Yield
| A | B | C | D | E | |
| FUNDS HELD IN SHARES HOLD DECREASES W/ BALANCE | 3.75 | 3.75 | 3.75 | 3.75 | 3.75 |
Mortgages – Max 80% of appraisal, max $300,000
Loan Rates APR = Annual Percentage Rate
| A | B | C | D | E | |
| 5 YR BALLOON UP TO 30YR AMORT | 5.75 | 5.75 | 6.25 | 6.50 | 7.25 |
| 10 YR BALLOON UP TO 30 YR AMORT | 6.25 | 6.25 | 6.75 | 7.00 | 7.50 |
2nd Mortgage Closed End
Loan Rates APR = Annual Percentage Rate
| A | B | C | D | E | |
| 10 YR BALLOON UP TO 30 YR AMORT OR UP TO 10 YR TERM | 7.25 | 7.25 | 7.75 | 8.25 | 8.75 |
HELOC Phase III
Prime is 3.25%
Loan Rates APR = Annual Percentage Rate
| A | B | C | D | E | |
| 10 YEAR DRAW/ 10 YR REPAY QTRLY INT ADJ | PRIME + 1 | PRIME + 1 | PRIME + 2 | PRIME + 3 | PRIME + 4 |
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 | 0.40% APY |
| $5,000-$9,999 | 0.40% APY |
| $10,000 | 0.60% APY |
| $20,000 | 0.60% APY |
| $25,000 | 0.75% APY |
Certificates of Deposit
| with active checking* | without checking | |
| 3 Mo. | 0.50% APY | 0.35% APY |
| 6 Mo. | 0.75% APY | 0.50% APY |
| 12 Mo. | 1.00% APY | 0.75% APY |
| 24 Mo. | 1.25% APY | 1.00% APY |
| 36 Mo. | 1.50% APY | 1.25% APY |
*Active checking – having either a payroll deposit or automatic payment once per month.
Special Youth CD! Under 18 years of old, receive 1.25% APY on a 12 month CD! ($200 minimum, 90 day penalty)
Miscellaneous Shares 0.25 APY%
IRAs 0.50% APY (please see above for CD rates)
