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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 06/01/2013
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 2.99% |
| |
36 MONTHS |
AS LOW AS 2.99% |
| |
48 MONTHS |
AS LOW AS 2.99% |
| |
60 MONTHS |
AS LOW AS 3.49% |
| |
72 MONTHS |
AS LOW AS 3.99% |
| MOTORCYCLES |
24-48 MONTHS |
AS LOW AS 4.99% |
| MOTORCYCLES |
60-72 MONTHS |
AS LOW AS 5.49% |
| HOME EQUITY (FIXED) Based on prime |
80% LTV -as low as 5.00% |
| HOME EQUITY LINE OF CREDIT Variable based on prime |
80% LTV prime -as low as 4.00% |
| 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 06/01/2013
| Accounts |
|
Annual Percentage Rate |
Annual Percentage Yield |
| Choice Checking |
No min balance required to recieve dividends |
0.05% |
0.05% |
| Member Share Accounts |
Min $100 to receive dividend |
0.10% |
0.10% |
| Special Savings |
Min $100 to receive dividend |
0.10% |
0.10% |
| Trust Accounts |
Min $50 to receive dividend |
0.10% |
0.10% |
| Christmas Club |
Min $50 to receive dividend |
0.15% |
0.15% |
| Preferred Shares /Rates Tiered |
Min balance $2,500 required |
|
|
| $2,500 to $19,999 |
|
0.25% |
0.25% |
| $20,000 or more |
|
0.35% |
0.35% |
| IRA SAVINGS |
$25 MIN |
0.15% |
0.15% |
Living Savings - No Dividends paid - No new account availability - Only existing accounts
Certificate of Deposit - Rates 06/01/2013
|
| Minimum Deposit |
Terms |
Annual Percentage Rates |
Annual Percentage Yield |
| Share Certificates |
Term |
Rate |
Annual Percentage Yield |
| $500 min |
6 months |
0.25% |
0.25% |
| |
12 months |
0.35% |
0.35% |
| |
24 months |
0.45% |
0.45% |
| $1000 min |
6 months |
0.35% |
0.35% |
| |
12 months |
0.45% |
0.45% |
| |
24 months |
0.55% |
0.55% |
| Jumbo $20,000 or more |
6 months |
0.45% |
0.45% |
| |
12 months |
0.55% |
0.55% |
| |
24 months |
0.65% |
0.65% |
| Jumbo $50,000 or more |
6 months |
0.55% |
0.55% |
| |
12 months |
0.65% |
0.65% |
| |
24 months |
0.75% |
0.75% |
| |
|
|
|
| IRA certificates |
Term |
Rate |
Annual Percentage Yield |
| $500 |
12 months |
0.35% |
0.35% |
| |
24 months |
0.45% |
0.45% |
| |
36 months |
0.65% |
0.65% |
| |
60 months |
0.75% |
0.75% |
| $1000 min |
12 months |
0.45% |
0.45% |
| |
24 months |
0.55% |
0.55% |
| |
36 months |
0.75% |
0.75% |
| |
60 months |
0.85% |
0.85% |
| Jumbo $20,000 |
12 months |
0.55% |
0.55% |
| |
24 months |
0.65% |
0.65% |
| |
36 months |
0.85% |
0.85% |
| |
60 months |
0.95% |
0.95% |
| Jumbo $50,000 |
12 months |
0.65% |
0.65% |
| |
24 months |
0.75% |
0.75% |
| |
36 months |
0.95% |
0.95% |
| |
60 months |
1.05% |
1.05% |
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