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Loan Rates Loan Rate Index Share Rate Index
Rates effective as of January 1, 2012
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| HOME EQUITY |
RATE |
TERM |
||
| 80% L.T.V. |
call for details |
call for details |
call credit union |
open end |
| 90% L.T.V. |
call for details |
call credit union for details |
call credit union |
open end |
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| SECOND MORTGAGE |
RATE |
TERM |
||
| 80% L.T.V. call credit union for details |
3.99% |
84 months |
||
| 80% L.T.V. call credit union for details |
4.99% |
120 months |
||
| 80% L.T.V. call credit union for details |
5.99% |
120 months |
||
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| SHARE SECURED / CERTIFICATES |
RATE |
TERM |
||
| Share Secured (regular share account) |
5.00% |
varies |
||
| Certificate (adjusts at CD maturity) |
earning rate + 3.00% |
varies |
||
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| MASTERCARD |
|
RATE |
||
| Mastercard Classic |
$5,000 maximum credit line |
13.95% |
||
| Mastercard Gold Card |
$10,000 maximum credit line |
11.75% |
||
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| 1st MORTGAGE | ||||
|
Call for Information |
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SHARE RATES
|
Type |
Plan Name |
Compound Frequency |
Calculation Method |
Dividend Rate |
Minimum Balance |
APY |
|
Share Draft |
Checking Account |
Quarterly |
Day In/Day Out |
.20 |
$0.00 |
.20 |
|
Share Draft |
Money Market Checking Account |
Monthly |
Day In/Day Out |
.350 |
$2000.00 |
.350 |
|
IRA |
IRA |
Monthly |
Day In/Day Out |
1.00 |
$0.00 |
1.00 |
|
Secondary |
Money Market Savings Account |
Monthly |
Day In/Day Out |
.350 |
$2000.00 |
.350 |
|
Secondary |
Family Savings Account |
Quarterly |
Day In/Day Out |
.20 |
$0.00 |
.20 |
|
Secondary |
Vacation Savings Account |
Quarterly |
Day In/Day Out |
.20 |
$0.00 |
.20 |
|
Primary |
Share Savings Account |
Quarterly |
Day In/Day Out |
.20 |
$5.00 |
.20 |
|
Club |
Christmas Savings Account |
Annually |
Day In/Day Out |
.20 |
$0.00 |
.20 |
CERTIFICATE RATES
|
Type |
Plan Name |
Compound Frequency |
Calculation Method |
Dividend Rate |
Minimum Balance |
APY |
|
Certificate |
6 Month CD |
Monthly |
Day In/Day Out |
.40 |
$1,000 |
.40 |
| Certificate | 12 Month CD | Monthly | Day In/Day Out | .70 | $1,000.00 | .70 |
| Certificate | 30 Month CD | Monthly | Day In/Day Out | 1.30 | $500.00 | 1.30 |
| CARS, TRUCKS, VANS, SUV's |
RATE |
TERM |
|||
| New | 2011 or 2012 |
as low as |
**1.97% |
36 months |
|
|
as low as |
**1.97% |
48 months |
|||
| as low as | **2.49% | 60 months | |||
|
as low as |
**2.99% |
72 months |
|||
|
as low as |
**3.99% |
84 months |
|||
| **Down payment of 25% or more receives .25% rate reduction. | |||||
| Used | 2010-2011 | as low as |
2.99% |
72 months |
|
| 2008-2009 | as low as |
3.99% |
60 months |
||
| 2005-2007 | as low as |
5.49% |
48 months |
||
| 2004 and older | as low as |
7.49% |
48 months |
||
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| RECREATIONAL VEHICLES |
RATE |
TERM |
||
| New Motorcycles as low as |
5.49% |
72 months |
||
| Used Motorcycles as low as |
6.49% |
60 months |
||
| New Boats as low as |
6.50% |
120 months |
||
| Used Boats as low as |
7.00% |
72 months |
||
| New RV's (campers, motor homes, etc) as low as |
6.50% |
120 months |
||
| Used RV's as low as |
7.00% |
84 months |
||
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| SIGNATURE LOANS |
RATE |
TERM |
||
| Up to $15,000 when combined with other Credit Union unsecured credit as low as |
8.99% |
72 months |
||
