|
|
|
Effective May 8, 2008
All Rates are Subject to Change
On Approved Credit
|
|
Purpose
|
Other Information
|
APR+
|
Type
|
|
Secured Loans
|
|
2005 & Newer Vehicles,
Motorcycles,
ATV's
|
100% Financing
|
As low as 4.75%
|
F
|
|
2004 - 2000 Vehicles,
Motorcycles,
ATV's
|
100% Financing
|
As low as 4.75%
|
F
|
|
|
100% Financing
|
As low as 4.75%
|
F
|
|
2005 & Newer RV's,
NEW 180 Month Term
|
90% Financing
|
As low as 7.00%
|
F
|
|
2004 - 2000 Used RV's,
5th Wheel, Boats,
Travel Trailers
|
100% Financing
|
As low as 4.75%
|
F
|
|
1999 & Older Vehicles,
Motorcycles,
ATV's,
RV's, Boats, Snowmobiles,
Jet-skis, PU Campers,
Tent Trailers, Consumer
|
100% Financing
|
As low as
6.89%
|
F
|
|
Other Secured
|
|
Certificate Loans
|
3% above certificate rate (6% Floor)
|
|
Shares Loans
|
3% above highest savings rate (6% Floor)
|
|
|
|
Unsecured Loans
|
|
Signature
|
|
As low as
10.90%
|
F
|
|
Line of Credit
|
Revolving
|
9.50%
|
V
|
|
VISA
|
Revolving
|
9.50%
|
V
|
|
|
|
|
|
30 Year Mortgage
|
|
|
|
|
1st Mortgage 5-10-15 yr
*
|
1% Origination Fee,
Plus $500
**
|
As low as
5.85%
|
F
|
|
1st Mortgage 5 yr Balloon
*
|
0% Origination Fee,
Plus $450
**
|
As low as
5.99%
|
F
|
|
2nd Mortgage
*
|
1% Origination Fee,
Plus $500
**
|
As low as
6.35%
|
F
|
|
1st Mortgage 5 yr Balloon
*
|
0% Origination Fee,
Plus
$750
**
|
As low as
5.99%
|
F
|
|
1st Mortgage 10-15 yr
*
|
1% Origination Fee,
Plus all Fees
**
|
As low as
5.49%
|
F
|
|
|
No Origination Fee
**
|
As low as
6.25%
|
V
|
|
Home Equity, 2nd Mortgage
*
|
No Origination Fee
**
|
As low as
6.25%
|
V
|
|
FHA Home Improvement
*
|
|
As low as
6.35%
|
F
|
|
New Mobile Home
*
|
|
As low as
9.70%
|
F
|
|
Used Mobile Home
*
|
|
As low as
11.70%
|
F
|
-
F
= Fixed Rate ($18,000 @
6.50% for 72 months =
$302.59 payment)
-
V
= Variable Rate
-
*
Located within 100 miles of a branch office
-
**
Full repayment of loan prior to 36 months from closing date requires $350
re-imbursement of waived fees.
-
+ APR
(Annual Percentage Rate): The rate you qualify for depends on
your
credit history and in certain instances, the term of the loan.
|
|
Back to Top
|
|
Effective March 1, 2008
All Rates are Subject to Change
|
|
Share Accounts
|
Dividend
Rate
|
Annual Percentage Yield
|
Minimum Opening Balance
|
|
Primary Shares
|
$25.00 - 4,999.99
*
$5,000.00 - 9,999.00
$10,000.00+
|
0.90%
0.90%
1.15%
|
0.90%
0.90%
1.16%
|
$25.00
|
|
Youth Shares
|
$5.00 - 4,999.99
*
$5,000.00 - 9,999.00
$10,000.00+
|
0.90%
0.90%
1.15%
|
0.90%
0.90%
1.16%
|
$5.00
|
|
Sub Shares
|
$0.01 - 4,999.99
*
5,000.00 - 9,999.00
$10,000.00+
|
0.90%
0.90%
1.15%
|
0.90%
0.90%
1.16%
|
$0.00
|
|
Club Shares
|
Vacation Club
$5,000.00 Max.
June 1 Payout
|
3.50%
|
3.56%
|
$0.00
|
Christmas Club
$5,000.00 Max.
October 1 Payout
|
3.00%
|
3.04%
|
$0.00
|
|
Money Market Account
|
$25.00 -
$2,499.00
$2,500.00 -
$9,999.00
$10,000.00 +
|
0.50%
2.00%
2.25%
|
0.50%
2.02%
2.27%
|
$2,500.00
|
|
IRA Shares
|
Traditional
Roth
Coverdell
|
1.90%
|
1.92%
|
$25.00
|
|
Checking
|
|
Premier
|
0.50%
|
0.50%
|
$0.00
|
|
Liberty Gold
|
0.55%
|
0.55%
|
$0.00
|
|
-
*
Average Daily Balance
-
Fees could reduce earnings
-
APY is accurate as of the last dividend declaration date
|
|
Back to Top
|
|
Effective May 9, 2008
All Rates are Subject to Change
|
|
Minimum Opening Balance
|
Certificate Term
|
Dividend
Rate
|
Annual Percentage Yield
|
|
Regular Certificates
|
|
$250.00
|
6 Months
|
2.15%
|
2.17%
|
|
$500.00
|
12 Months
24 Months
36 Months
48 Months
60 Months
|
2.50%
2.55%
2.70%
2.75%
2.80% |
2.53%
2.58%
2.73%
2.78%
2.84%
|
|
$10,000.00
|
6 Months
12 Months
24 Months
36 Months
48Months
60 Months
|
2.25%
2.60%
2.65%
2.80%
2.85%
2.90% |
2.27%
2.63%
2.68%
2.84%
2.89%
2.94% |
|
$25,000.00
|
6 Months
12 Months
24 Months
36 Months
48 Months
60 Months
|
2.25%
2.60%
2.65%
2.80%
2.85%
2.90% |
2.27%
2.63%
2.68%
2.84%
2.89%
2.94% |
|
$50,000.00
|
6 Months
12 Months
24 Months
36 Months
48 Months
60 Months
|
2.25%
2.60%
2.65%
2.80%
2.85%
2.90% |
2.27%
2.63%
2.68%
2.84%
2.89%
2.94% |
|
IRA
Certificates
|
|
$1,000.00
|
12 Months
24 Months
36 Months
48 Months
60 Months
|
2.75%
2.80%
2.95%
3.00%
3.05%
|
2.78%
2.84%
2.99%
3.04%
3.09%
|
-
The dividend rate and APY are fixed for the term of the certificate.
-
Upon maturity, a certificate has a 10 day grace period during which changes can be made
without a penalty.
-
A penalty may be imposed for early withdrawal, penalty may affect principal balances.
|
