Rates

 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)