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Effective
May 24, 2010
All Rates are Subject to Change
On Approved Credit
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Purpose
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Other Information
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APR+
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Type
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Secured Loans
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2007 & Newer Vehicles,
Motorcycles,
ATV's
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Up to 100% Financing
#
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As low as 4.49%
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F
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2006 - 2002 Vehicles,
Motorcycles,
ATV's
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Up to 100% Financing #
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As low as 4.99%
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F
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Up to 100% Financing #
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As low as 4.49%
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F
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2006 - 2002 Used RV's,
5th Wheel, Boats,
Travel Trailers
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Up to 100% Financing #
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As low as 4.99%
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F
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Older Secured (2001 & Older)
Vehicles, Motorcycles,
ATV's, RV's, Boats, 5th Wheels,
Travel Trailers
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Up to 100% Financing #
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As low as
7.14%
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F
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Other Secured
Pickup Campers,
Dirt Bikes, Tent Trailers, Scooters,
Jet-skis, & Other Collateral, Household Goods
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Up to 100% Financing #
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As low as
7.14%
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F
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Other Secured
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Certificate Loans
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3% above certificate rate (6% Floor)
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Shares Loans
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3% above highest savings rate (6% Floor)
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Unsecured Loans
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Signature
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As low as
10.90%
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F
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Line of Credit
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Revolving
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9.50%
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V
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VISA
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Revolving
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9.50%
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V
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1stMortgage
*
5 yr
10yr
15 yr
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1% Origination Fee,
Plus all Fees
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As low as
4.99%
5.24%
5.24%
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F
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1st Mortgage 5 yr Balloon
*
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1% Origination Fee,
Plus
all Fees
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As low as
5.29%
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F
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2nd Mortgage
*
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1% Origination Fee,
Plus all Fees
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As low as
6.60%
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F
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No Origination Fee
**
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As low as
4.50%
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V
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Home Equity Line
of Credit (HELOC), 2nd
*
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No Origination Fee
**
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As low as
4.50%
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V
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FHA Title 1
*
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1% Origination Fee,
Plus all Fees
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As low as
6.60%
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F
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New Mobile Home
*
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As low as
9.70%
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F
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Used Mobile Home
*
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As low as
11.70%
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F
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F
= Fixed Rate
($20,000 @
4.49% for 72 months =
$317.43 payment)
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V
= Variable Rate
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*
Located within 100 miles of a branch office
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**
Full repayment of loan prior to
24 months from closing date requires
$450
re-imbursement of waived fees.
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#
Percentage of financing depends on your credit history.
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+ APR
(Annual Percentage Rate): The rate you qualify for depends on
your
credit history and in certain instances, the term of the loan.
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Back to Top
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Effective
June 1, 2010
All Rates are Subject to Change
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Share Accounts
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Dividend
Rate
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Annual Percentage Yield
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Minimum Opening Balance
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Primary Shares
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$25.00 - 4,999.99
*
$5,000.00 - 9,999.00
$10,000.00+
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0.25%
0.35%
0.50%
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0.25%
0.35%
0.50%
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$25.00
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Youth Shares
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$5.00 - 4,999.99
*
$5,000.00 - 9,999.00
$10,000.00+
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0.25%
0.35%
0.50%
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0.25%
0.35%
0.50%
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$5.00
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Sub Shares
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$0.01 - 4,999.99
*
5,000.00 - 9,999.00
$10,000.00+
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0.25%
0.35%
0.50%
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0.25%
0.35%
0.50%
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$0.00
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Club Shares
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Vacation Club
$5,000.00 Max.
June 1 Payout
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1.50%
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1.51%
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$0.00
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Christmas Club
$5,000.00 Max.
October 1 Payout
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1.25%
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1.26%
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$0.00
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Money Market Account
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$25.00 -
$2,499.00
$2,500.00 -
$9,999.00
$10,000.00 -
$49,999.00
$50,000.00 -
$99,999.00
$100,000+
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0.25%
0.70%
0.85%
1.05%
1.25%
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0.25%
0.70%
0.85%
1.06%
1.26%
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$2,500.00
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IRA Shares
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Traditional
Roth
Coverdell
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1.25%
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1.26%
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$25.00
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Checking
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Premier
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0.15%
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0.15%
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$0.00
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Liberty Gold
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0.20%
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0.20%
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$0.00
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*
Average Daily Balance
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Fees could reduce earnings
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APY is accurate as of the last dividend declaration date
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Effective
August 13, 2010
All Rates are Subject to Change
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Minimum Opening Balance
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Certificate Term
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Dividend
Rate
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Annual Percentage Yield
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Special Certificates
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$500.00
$10,000.00
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19 Months
19 Months
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1.40%
1.40%
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1.41%
1.41%
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Regular Certificates
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$250.00
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6 Months
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0.65%
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0.65%
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$500.00
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12 Months
24 Months
36 Months
48 Months
60 Months
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1.00%
1.35%
1.70%
2.20%
2.45% |
1.00%
1.36%
1.71%
2.22%
2.48%
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$10,000.00
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6 Months
12 Months
24 Months
36 Months
48 Months
60 Months
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0.75%
1.10%
1.45%
1.80%
2.30%
2.55% |
0.75%
1.11%
1.46%
1.81%
2.32%
2.58% |
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$25,000.00
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6 Months
12 Months
24 Months
36 Months
48 Months
60 Months
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0.75%
1.10%
1.45%
1.80%
2.30%
2.55% |
0.75%
1.11%
1.46%
1.81%
2.32%
2.58% |
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$50,000.00
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6 Months
12 Months
24 Months
36 Months
48 Months
60 Months
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0.75%
1.10%
1.45%
1.80%
2.30%
2.55% |
0.75%
1.11%
1.46%
1.81%
2.32%
2.58% |
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IRA
Certificates
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$1,000.00
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12 Months
24 Months
36 Months
48 Months
60 Months
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1.25%
1.60%
1.95%
2.45%
2.70%
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1.26%
1.61%
1.97%
2.48%
2.73%
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The dividend rate and APY are fixed for the term of the certificate.
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Upon maturity, a certificate has a 10 day grace period during which changes can be made
without a penalty.
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A penalty may be imposed for early withdrawal, penalty may affect principal balances.
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