Current
Rates
| SHARE
SAVINGS/CLUB RATES |
| ACCOUNT
TYPE |
APR* |
APY** |
| Shares |
1.00% |
1.01% |
| Christmas
Club |
2.50% |
2.50% |
| Vacation
Club |
1.50% |
1.50% |
Dividends
rates are as of June 30, 2008. Rates are calculated using
the Average Daily Balance Method and will be compounded quarterly
for regular share accounts and annually for Christmas and Vacation
Club.
*APR - Annual Percentage Rate. **APY
- Annual Percentage Yield.
| SHARE CERTIFICATE RATES |
| Rates are as of August 4, 2008. |
| TERM |
|
APR* |
APY** |
| 6 Month |
Monthly |
2.76%
|
2.79% |
| 1 Year |
Monthly |
3.27%
|
3.32% |
| 2 Year |
Monthly |
3.74%
|
3.80% |
| 3 Year |
Monthly |
3.94%
|
4.01% |
| 4 Year |
Monthly |
4.04%
|
4.12% |
| 5 Year |
Monthly |
4.14% |
4.22% |
Rates subject to change. Dividends are computed on the actual dollar amount and are paid monthly. The account earns dividends based on the principal balance. There is a penalty for early withdrawal.
*APR - Annual Percentage Rate. **APY
- Annual Percentage Yield.
| LOAN
RATES |
| As of July 1, 2008 |
| Home Equity Line of Credit Loans |
4.00% APR** - 15.00% APR
-Rate is variable and subject to change quarterly. |
|
Unsecured Loans |
10.70%
APR** - 22.20% APR |
| VISA
Loans |
7.9%
APR and 12.9% APR |
| VISA
Fees |
-Cash
Advance 7.9% APR or 12.9% APR
-Balance Transfers 7.9% APR or 12.9% APR
-Annual Fee: None
-Minimum Finance Charge - None
-Transaction Fee for Purchases - None
-Transaction Fee for Cash Advances - None
-Balance Transfer Fee - None
-Grace Period for Repayment of balances for purchases:25 Days
-Late Payment Fee: $25.00
-Documentation Fee: $10.00
-NSF Check Fee: $20.00
-New/Replacement Card Fee: $10.00
-Card Recovery Fee - $65.00 |
| Share
Secured Loan |
3%
above share rate |
| Certificate
Secured Loan |
3%
above CD rate |
Autos
and Trucks
(5 years & newer)
100% Financing on New and Used |
4.74%-17.24% APR |
Motorcycles,
Boats, Motor Homes, Travel Trailers, RV's, Campers, Autos, and
Trucks 6 years to 10 years Old
100% Financing on New & 80% Financing on Used |
1%
Above Vehicle Loan Rate |
Other
Collateral
Musical Instruments (new), Computers (new), Appliances (new),
Farm Machinery, Untitled Vehicles, ATV's, Classic Automobiles
and Trucks
100% Financing on New & 80% Financing on Used |
2%
Above Vehicle Loan Rate |
Rates
for unsecured and auto loans based on term and credit score.
*APR - Annual Percentage Rate. **APY
- Annual Percentage Yield.
|
|
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