|
|
 |
Share Savings
| Share Account Type |
Minimum Balance |
Dividend Rate |
APY* |
Term |
| Regular Share Savings |
$5.00 |
0.75
|
0.75 |
n/a |
| Share Draft (Checking) |
n/a |
0.00 |
0.00 |
n/a |
| Share Club Accounts |
n/a |
0.50 |
0.50 |
n/a |
| Share Money Market Account |
$2,500 |
1.75 |
1.76 |
n/a |
A $5.00 deposit is needed to open a Regular Share Savings. A $100.00 deposit is needed to open a Share Draft (Checking).
No minimum deposit is needed for Share Club Accounts. Rates are current as of 09/08/08 and are subject to change without notice after the account has been opened. Maintenance or activity fees may reduce the earnings on the above accounts.
* APY=Annual Percentage Yield
Share and IRA Certificates
| Investment Type |
Minimum Balance |
Dividend Rate |
APY* |
| 6 Mo. Share Certificate |
$1,000 |
2.75 |
2.28
|
| 12 Mo. Share Certificate |
$1,000 |
3.00 |
3.03
|
|
16 Mo. Share Certificate
|
$1,000
|
2.75
|
2.78
|
| 18 Mo. Share Certificate |
$1,000 |
3.00 |
3.03 |
| 24 Mo. Share Certificate |
$1,000 |
3.25 |
3.29 |
| 36 Mo. Share Certificate |
$1,000 |
3.25 |
3.29 |
| 48 Mo. Share Certificate |
$1,000 |
3.25 |
3.29
|
| IRA Accumulation |
$1.00 |
1.75 |
1.76 |
| 6 Mo. IRA Certificate |
$1,000 |
2.75 |
2.78 |
| 12 Mo. IRA Certificate |
$1,000 |
3.00 |
3.03 |
|
16 Mo. IRA Certificate
|
$1,000
|
2.75
|
2.78
|
| 18 Mo. IRA Certificate |
$1,000 |
3.00 |
3.03 |
| 24 Mo. IRA Certificate |
$1,000 |
3.25 |
3.29 |
| 36 Mo. IRA Certificate |
$1,000 |
3.25 |
3.29 |
| 48 Mo. IRA Certificate |
$1,000 |
3.25 |
3.29 |
Rates are current as of 10/20/08 and are subject to change without notice after the account has been opened.
A penalty will be paid for early withdrawal. * APY=Annual Percentage Yield
Loans
| Loan Type |
Term |
A
APR**
|
B
APR**
|
C
APR**
|
D
APR**
|
| New Vehicles* |
| |
Up to 24 Mos. |
4.75 |
6.75 |
9.75 |
13.75 |
| |
25 to 36 Mos. |
4.75 |
6.75 |
9.75 |
13.75 |
| |
37 to 48 Mos. |
4.75
|
6.75 |
9.75 |
13.75 |
| |
49 to 60 Mos. |
4.75 |
6.75 |
9.75 |
13.75 |
| |
61 to 72 Mos.
73 to 84 Mos.
|
4.75
6.99
|
6.75
8.99
|
9.75
11.99
|
13.75
15.99
|
| Used Vehicles |
| 1 to 5 Years Old |
Up to 72 Mos. |
5.99 |
7.99 |
10.99 |
14.99 |
| 6 to 8 Years Old |
Up to 36 Mos. |
7.29 |
9.29 |
12.29 |
16.29 |
| Over 8 Years Old |
Up to 36 Mos. |
7.99 |
9.99 |
12.99 |
16.99 |
| New Farm Equipment |
| |
Up to 72 Mos. |
7.00 |
8.00 |
10.00 |
14.00 |
| Used Farm Equipment |
| 1-5 Years Old |
Up to 48 Mos. |
8.00
|
9.00 |
11.00 |
15.00 |
| Over 5 Years Old |
Up to 36 Mos. |
8.50 |
9.50 |
11.50 |
15.50 |
| New RV's and Boats |
| |
Up to 72 Mos. |
7.00 |
8.00 |
10.00 |
14.00 |
| Used RV's and Boats |
| 1 to 5 Years Old |
Up to 72 Mos. |
8.00 |
9.00 |
11.00 |
15.00 |
| Over 5 Years Old |
Up to 36 Mos. |
8.50 |
9.50 |
11.50 |
15.50 |
| Signature/Line of Credit |
| Less than $1000 |
Up to 24 Mos. |
10.99 |
13.99 |
16.99 |
17.99 |
| $1001 to $2000 |
Up to 30 Mos. |
10.99 |
13.99 |
16.99 |
17.99 |
| $2001 to $3000 |
Up to 36 Mos. |
10.99 |
13.99 |
16.99 |
17.99 |
| $3001 to $4000 |
Up to 42 Mos. |
10.99 |
13.99 |
16.99 |
17.99 |
| $4001 or Greater |
Up to 48 Mos. |
10.99 |
13.99 |
16.99 |
17.99 |
Rates are current as of 10/20/08 and are subject to change without notice.
*To be considered new, a car must have less than 20,000 miles on the odometer and
the model year must be within one year of the current year.
It will be assumed that a vehicle becomes a year older when the calendar year changes.
** The APR is based the consumer's credit risk. APR=Annual Percentage Rate
*** Length of term depends on the age of the vehicle.
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