Current Rates
Rates Effective 3/13/2012
| Loans |
|
|
|
| Description | Term | APR | Daily Rate |
|---|
|
|
|
|
| Cars and Light Trucks |
|
Annual Percentage Rate (AS LOW AS) |
|
| New 2013-2008 |
24-35 |
2.35% |
0.028356% |
| New 2013-2008 |
36-47 |
2.60% |
0.029041% |
| New 2013-2008 |
48-59 |
2.95% |
0.030000% |
| New 2013-2008 |
60-71 |
3.30% |
0.030959% |
| New 2013-2008 |
72 |
3.60% |
0.031781% |
| Used 2007 & older |
24-35 |
3.35% |
0.031096% |
| Used 2007 & older |
36-47 |
3.60% |
0.031781% |
| Used 2007 & older |
48-59 |
3.95% |
0.032740% |
| Used 2007 & older |
60 |
4.30% |
0.033699% |
|
|
|
|
| RV's | | | |
|---|
| New 2013-2011 |
36-48 |
5.00% |
0.035616% |
| New 2013-2011 |
49-60 |
5.50% |
0.036986% |
| New 2013-2011 |
61- 120 |
6.00% |
0.038356% |
| Used 2010 & older |
24-35 |
5.50% |
0.036986% |
| Used 2010 & older |
36-48 |
5.60% |
0.037260% |
| Used 2010 & older |
49- 60 |
5.70% |
0.037534% |
| Used 2010 & older |
61- 72 |
5.80% |
0.037808% |
|
|
|
|
| Personal Loans | | | |
|---|
| Personal use |
Open |
10.69% |
0.029288% |
|
|
|
|
| Other Loans | | | |
|---|
| Share Secured |
open |
Acct plus 2.50% |
|
| H.E.L.O.C. |
120 - 180 |
Prime plus 1% |
|
| Home Equity Fixed Rate |
5 Year |
4.65% |
0.023699% |
| Home Equity Fixed Rate |
10 - 15 Yr |
5.25% |
0.025342% |
| Chatel Lien |
12-36 |
6% |
0.027918% |
| Chatel Lien |
48 |
6.30% |
0.027918% |
| Chatel Lien |
60 |
6.65% |
0.049315% |
| Regular Overdraft LOC |
open |
17.69% |
0.048466% |
| Short Term Small Amount |
1-6 |
27.75% |
0.076712% |
* Term - approximation in months APR - Annual Percentage Rate Loans Rates effective 3/13/2012. Annual Percentage Rates are subject to change without notice. Your rate may be higher than the published rate, based on your credit-worthiness.
Rates Effective 3/13/2012
| Deposit Accounts Rates |
|
|
| Description | Dividend rate | APY
Annual Percentage Yield |
|---|
| Savings |
|
|
| Shares Bal under $500 |
0.100% |
0.10% |
| Shares Bal $500 & Up |
0.150% |
0.15% |
| Christmas Clubs |
0.100% |
0.10% |
| Checking |
|
|
| Balance $500 - $999 |
0.100% |
0.10% |
| Balance $1000-$2499 |
0.125% |
0.13% |
| Balance $2500+ |
0.150% |
0.15% |
| The MAX |
0.150% |
0.15% |
| Club 50 |
0.100% |
0.10% |
Rates Effective 3/13/2012
| Checking Accounts |
|
|
|
|
|
|
|
| Account Name | Service Charge | Min Balance Required to Avoid Service Charge | Min $ Amount to Open | Dividends Paid | Free Checks | Overdraft Protection | ATM Trans |
|---|
| Easy Checking |
None |
None |
None |
None |
First Box |
$100 More if have Direct Deposit |
5 Free then $1 each |
| The MAX |
$10.00 |
$2,000 |
$2,000 |
Higher Share acct rate as long as balance remains above $2000 (paid on avg bal) |
Yes (One Design) |
Yes Based on credit application |
No Limit |
| Club 50 |
$5.00 |
Direct Deposit or $500 |
$500 Must be age 50 + |
Lower Share account rate (paid on avg bal) |
Yes (one Design) |
Yes |
No Limit |
| Regular Checking |
$2.00 plus .20 per check |
$100 |
None |
Bal $500 + see chart |
First Box |
Yes |
5 Free then $1 each |
Rates Effective 3/13/2012
| Certificates |
|
|
| Description | Dividend rate | APY
Annual Percentage Yield |
|---|
| Certificates ($500 Min) |
|
|
| 6 Month |
0.250% |
0.25% |
| 1 Year |
0.300% |
0.30% |
| 2 Year |
0.650% |
0.65% |
| 3 Year |
0.950% |
0.95% |
| 6 Month Club 50 |
0.350% |
0.35% |
| 1 Year Club 50 |
0.400% |
0.40% |
Rates Effective 3/13/2012
