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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 03/07/08
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 5.3% |
| |
36 MONTHS |
AS LOW AS 5.5% |
| |
48 MONTHS |
AS LOW AS 5.7% |
| |
60 MONTHS |
AS LOW AS 5.9% |
| |
72 MONTHS |
AS LOW AS 6.4% |
For additional savings, preferred rate discounts are also available to those who qualify. **
** PREFERRED RATE: You may lower the annual percentage rate (APR) on you loan by ½ % by having net check deposit of your payroll, social security or pension funds into your account. 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. 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% prime + 1 , 100% prime +2 |
| HOME EQUITY LINE OF CREDIT Variable based on prime |
80% prime, 100% prime + 1 |
| CD SECURED |
3% over dividends paid on certificate (due at maturity) |
| Share Secured |
5% over dividend paid on those shares various term options available |
Shares 03/07/08
| Accounts |
|
Annual Percentage Rate |
Annual Percentage Yield |
| Member Share Accounts |
Min $100 to receive dividend |
0.60% |
0.60% |
| Special Savings |
Min $100 to receive dividend |
0.60% |
0.60% |
| Trust Accounts |
Min $50 to receive dividend |
0.80% |
0.80% |
| Christmas Club |
Min $50 to receive dividend |
0.80% |
0.80% |
| Preferred Shares /Rates Tiered |
Min balance $1000 required |
|
|
| $1000 to 2499 |
|
1.00% |
1.00% |
| $2500 to 4999 |
|
1.25% |
1.26% |
| $5000 to 9999 |
|
1.50% |
1.51% |
| $10000 to 29999 |
|
1.75% |
1.76% |
| $30000 or more |
|
2.00% |
2.02% |
| IRA SAVINGS |
$25 MIN |
2.23% |
2.25% |
Living Savings - No Dividends paid - No new account availability - Only existing accounts
Certificate of Deposit - Rates 03/07/08
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