All Rates are Simple Daily Interest and
are Subject to Change.
**Annual Percentage Yield**
|
Share Account Dividend
Rates |
|
0.15% / 0.15% APY* (Minimum
$5.00 Balance, Interest Calculates at $50) |
|
**Dividends calculated and
credited quarterly** |
|
Certificates of Deposit |
|
Effective June 2, 2008 |
|
|
Minimum |
Rate |
APY |
|
6 months savings certificate |
$500.00 |
2.55% |
2.57% |
|
12 months savings certificate |
$500.00 |
3.00% |
3.03% |
|
24 months savings certificate |
$500.00 |
3.05% |
3.09% |
|
36 months savings certificate |
$500.00 |
3.10% |
3.14% |
|
Signature Loans |
|
Limit Up to $15,000, Up to 60
Months, 10.99% - 18.00% APR |
|
Home Equity - Line of
Credit |
|
1.00% Above Prime |
|
Shares/Certificate
Pledge |
|
100% Loaned at 3% Higher Rate
than the Rate of the Shares or Certificate
Pledged |
|
Overdraft Line of Credit |
|
16.00% APR - 18.00% APR |
|
Approved Amount |
$0 - $1000 |
$1001 - $2000 |
$2001 - $3000 |
|
Monthly Payment |
$37.00 |
$74.00 |
$111.00 |
|
Credit Cards (Visa,
MasterCard & MasterCard Gold) |
|
Highest limit for any Member
will be a total of $15,000 for all Credit Cards. |
|
There is an Annual Fee ONLY if
the card is not used once in a year. |
|
Rate is
9.99% - 18.00% APR for both
Purchases and Cash Advances |
|
New Vehicles |
|
Less Than 6,000 miles,
Original Owner, Up to 72 months |
|
Rate |
4.99%
APR - 18.00% APR |
|
New Recreation Vehicles,
Boats, Jet Skis, Camping Trailers, Etc. |
|
Up to 144 months |
|
Rate |
7.25% APR - 18.00% APR
|
| New
Motorcycles (On Road) |
| Up
to 60 months |
| Rate |
7.25% APR - 18.00% APR
|
|
Used Vehicles |
|
Based on NADA Values or
Appraised Values |
| Year |
Rate |
Up to |
| 2005 - 2008 |
4.99%
APR - 18.00% APR |
72 months |
| 2004 |
5.99% APR - 18.00%
APR |
60 months |
| 2003-2002 |
5.99% APR - 18.00%
APR |
48 months |
| 2001 |
5.99% APR - 18.00%
APR |
36 months |
|
Used Recreation
Vehicles, Boats, Jet Skis, Camping Trailers,
Etc. |
|
Based on NADA Values or
Appraised Values |
| Rate |
7.75% APR - 18.00% APR
|
|
Used Motorcycles (On
Road) |
| Based
on NADA Values or Appraised Values |
| Year |
Rate |
Up to |
| 2008-2005 |
7.25% APR - 18.00%
APR |
48 months |
| 2004, 2003,
2002, 2001 |
8.25%
APR - 18.00% APR
|
36 months |
Loan Rate will be determined
by Equifax Beacon Score
|
