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Loan/Share Rates Fees Rates
* Rates are anticipated and subject to change at any time without notice.
Loan/Home Equity - Rates 07/01/2010
BASED ON CREDIT (BEACON) SCORE FROM EQUIFAX CREDIT SERVICES
| Loan Type |
Term |
Interest Rate |
| PERSONAL LOAN (SIGNATURE) |
18 MONTHS |
AS LOW AS 10% |
| |
24 MONTHS |
AS LOW AS 10.5% |
| |
36 MONTHS |
AS LOW AS 11% |
| |
48 MONTHS |
AS LOW AS 11.5% |
| SECURED VEHICLE |
24 MONTHS |
AS LOW AS 3.99% |
| |
36 MONTHS |
AS LOW AS 3.99% |
| |
48 MONTHS |
AS LOW AS 4.20% |
| |
60 MONTHS |
AS LOW AS 4.40% |
| |
72 MONTHS |
AS LOW AS 5.0% |
For additional savings, preferred rate discounts are also available to those who qualify. **
** PREFERRED RATE: You may lower the APR on your loan by ½ % if you have at least 3 of the following services: active VISA card, active checking account, certificate of deposit, real-estate loan, other consumer loan, payroll deduction, preferred share savings account, net check direct deposit. If you discontinue any of these services that qualified you for the discount, your APR will increase by the amount of the discount you initially received.
CHECK WITH EITHER LEANN OR PEGGY TO SEE WHICH RATE YOU QUALIFY FOR.
| HOME EQUITY (FIXED) Based on prime |
80% LTV prime + 1 or 4% which ever is higher |
| HOME EQUITY LINE OF CREDIT Variable based on prime |
80% LTV prime or 4% which ever is higher |
| Share Secured |
5% over dividend paid on those shares various term options available |
| Visa Classic Credit Card |
12.9% APR (no annual fee) |
| VISA Platinum Credit Card |
7.9% APR (no annual fee) |
Shares 07/01/2010
| Accounts |
|
Annual Percentage Rate |
Annual Percentage Yield |
| Choice Checking |
$300 min balance required to recieve dividends |
0.15% |
0.15% |
| Member Share Accounts |
Min $100 to receive dividend |
0.20% |
0.20% |
| Special Savings |
Min $100 to receive dividend |
0.20% |
0.20% |
| Trust Accounts |
Min $50 to receive dividend |
0.40% |
0.40% |
| Christmas Club |
Min $50 to receive dividend |
0.30% |
0.30% |
| Preferred Shares /Rates Tiered |
Min balance $1000 required |
|
|
| $1000 to $4999 |
|
0.50% |
0.50% |
| $5000 to $19,999 |
|
0.70% |
0.70% |
| $20,000 or more |
|
0.90% |
0.90% |
| IRA SAVINGS |
$25 MIN |
0.40% |
0.40% |
Living Savings - No Dividends paid - No new account availability - Only existing accounts
Certificate of Deposit - Rates 07/01/2010
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