 |
|
|
 Loan and Deposit Rates
Consumer Loans |
 Check out our Best payment Guarantee
|
| New Vehicles |
as low as 4.00% APR**
|
| Used Vehicles |
as low as 5.50% APR**
|
|
|
Used as New - up to 2 years old with no more than 30,000 miles -New car rate may apply |
| New Motorcycles |
as low as 7.50% APR**
|
| New Boats |
as low as 5.00% APR**
|
| New Camping trailer or Motor Home |
as low as 5.00% APR**
|
| |
|
Mortgage Loans |
First Mortgages Loans Are Available
|
|
Home Equity Lines
INTEREST ONLY
|
Up to 80% LTV -
as low as Prime minus 1.25% APR** |
| |
81 to 95% LTV -
as low as Prime minus 1.00% APR** |
| Mini Mortgage Fixed |
95% LTV - as low as 7.00% APR** |
| Second Mortgage Fixed |
95% LTV - 7-9 Yrs - as low as 7.50% APR** |
| |
95% LTV - 10-15 Yrs - as low as 7.75% APR**($50,001 @7.50% for 180 months $486.51) |
| We're in First - Second Mortgage |
95% LTV - 7-9 Yrs - as low as 6.45% APR ** |
| |
95% LTV - 10-15 Yrs - as low as 6.70% APR **
|
| Adjustable Mini Mortgage |
95% LTV - as low as 5.75% APR**
(1% cap per year, not to exceed 6% above the original rate over the life of the loan)
|
| Adjustable Second Mortgage (Primary Residence Only) |
95% LTV - as low as 5.75% APR **
(1% cap per year, not to exceed 8% above the original rate over the life of the loan)
|
| |
$150.00 application fee - refunded upon disbursement of loan
No Closing Cost - No other finance charges unless stated
|
SAVINGS ACCOUNTS
Rates as of: April 1st, 2008 |
Suffix
|
Minimum
|
Dividend
Rate
|
APY*
|
|
Checking
|
51
|
$500
|
0.01
|
0.01%
|
|
"NEW" HIGH YIELD CHECKING
Complete required Form
|
51
|
$10,000
|
2.25%
|
2.27%
|
|
Shares
|
01
|
$50
|
0.25%
|
0.25%
|
|
Money Market
|
05
|
$0 - $2,499
|
0.25%
|
0.25%
|
|
|
05
|
$2,500 - $10,000
|
.50%
|
.50%
|
|
|
05
|
$10,001 - $25,000
|
.75%
|
.75%
|
|
|
05
|
$25,001 - $50,000
|
1.00%
|
1.01%
|
| |
05
|
$50,001 - UP
|
1.25%
|
1.25%
|
|
All other suffix will pay the same as 01. Variable-rate accounts may change after the open date.
|
|
|
|
|
SHARE CERTIFICATE ACCOUNTS
Rates as of: March 21st, 2008
|
Minimum
|
Dividend Rate
|
APY*
|
|
3 Month
|
$10,000
|
1.85%
|
1.86%
|
|
6 Months
|
$10,000
|
2.20%
|
2.22%
|
|
"NEW " 7 Month "NEW" (Limited Time)
|
$1,000
|
3.00%
|
3.04%
|
|
12 Months
|
$1,000
|
2.35%
|
2.38%
|
|
12 Months
|
$10,000
|
2.40%
|
2.43%
|
|
12 Month Jumbo
|
$50,000
|
2.50%
|
2.53%
|
|
18 Months
|
$10,000
|
2.55%
|
2.58% |
|
24 Months
|
$10,000
|
2.60%
|
2.63%
|
|
24 Months Jumbo
|
$50,000
|
2.65%
|
2.68%
|
|
30 Months
|
$10,000
|
2.70%
|
2.73%
|
|
30 Month Jumbo
|
$50,000
|
2.75%
|
2.78%
|
|
36 Months
|
$10,000
|
2.80%
|
2.87% |
|
48 Months
|
$10,000
|
2.85%
|
2.89% |
|
60 Months
|
$10,000
|
3.00%
|
3.04% |
|
Withdrawals from Certificates before maturity will reduce your earnings. Early withdrawals subject to penalty. Contact the credit union for further details.
|
|
|
|
|
Individual Retirement Accounts (IRA's)
|
Minimum
|
Dividend
Rate
|
APY*
|
|
"NEW" Health Savings Accounts (HSA's)
|
$1,050
|
1.25%
|
1.25%
|
|
IRA Shares
|
$50
|
1.25%
|
1.25%
|
|
"NEW" 7 Month IRA
|
$1,000
|
3.00%
|
3.04%
|
|
18 Month IRA SC
|
$1,000
|
2.55%
|
2.57%
|
|
30 Month IRA SC
|
$1,000
|
2.70%
|
2.73%
|
|
60 Month IRA SC
|
$1,000
|
3.00%
|
3.03%
|
|
Withdrawals from Certificates before maturity will reduce your earnings. Early withdrawals
subject to penalty. Contact the credit union for further details.
|
|
|
|
|
*APY - Annual Percentage YIELD
**APR - Annual Percentage RATE
|
|
|
|
|
|
|
