Rates Current As Of


Loan Rates | Share Rates | Share Certificate Rates

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Loan Rates

Annual Percentage Rate
Signature 9% APR - 18% APR
New Vehicles 6% APR - 13% APR
Used Vehicles 7% APR - 14% APR
Mobile Homes 12% APR - 15% APR
Recreational Vehicles 7% APR - 11% APR
Overdraft Protection 15% APR
Visa Credit Card 10.9% APR
Real Estate/
Unimproved Land
8% APR - 10% APR
Home Equity Fixed Rate 6.49% APR - 10% APR
Home Equity Line of Credit 5.75% APR - 10% APR
*Prime rate published in Wall Street Journal.
Rates are subject to change without notice.

Lowest rates are for qualified borrowers. Add 2% for moderate risk; add 4% for high risk.



Share Rates


Interest payments are called dividends. APY is annual percentage yield. Rates can be changed without notice by the Board of Directors. Dividends are earned from the day of deposit to the day of withdrawal, if the account is above the minimum balance in the "range" column below. They are calculated on the daily balance and deposited to the account on the last day of each month.

Type
Range
Dividend
Rate
Annual
Percentage
Yield
Regular Shares and Non Person Shares $200 to 9,999 .25% .25%
$10,000 and over .50% .50%
IRA (Deferred tax savings) $200 and over 2.50% 2.53%
Looney Tunes Shares $5 and over .25% .25%
All Other Shares (Includes Christmas Club, Insurance, Aegon, Escrow and Vacation Club Shares) $200 and over .25% .25%
Rates are subject to change without notice.
Fees could reduce the earnings on the account.




Share Certificates/IRA Certificates
Rates as of May 7, 2008

Minimum
Term
Rate Yield Withdrawal Penalty
$2,000 6 months 2.00% 2.02% 3 months interest 
$2,000 9 months 2.00% 2.02% 3 months interest 
$2,000 12 months 2.50% 2.53% 3 months interest 
$2,000 18 months 2.50% 2.53% 3 months interest 
$2,000 24 months 2.75% 2.79% 3 months interest 
$2,000 30 months 3.00% 3.04% 3 months interest 
$2,000 36 months 3.00% 3.04% 3 months interest 
$50,000 12 months 2.00% 2.02% No penalty


Market Index Certificate
$2,000 -- 5 years

Offering the potential for stock-market type returns, without risking the principal investment. Guaranteed rate of return of about 1% per year, no early withdrawal. Based on Dow Jones Industrial Average.




 


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