Loan Rates | Share Rates | Share Certificate Rates
Loan Payment Calculator
|
|
|
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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