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Saturday November 07, 2009
Savings Rates • Loan Rates
SAVINGS RATES
Click here to calculate your savings.
SHARE ACCOUNT
|
Share Account |
APR* |
APY** |
| S1- Share Primary |
0.250% |
0.250% |
| S2 - Regular |
0.250% |
0.250% |
| S3 - Vacation Club |
0.250% |
0.250% |
| S4 - Escrow |
0.250% |
0.250% |
| S9 - Christmas Club |
0.250% |
0.250% |
SHARE PRIMARY AND REGULAR SHARE ACCOUNT
The Regular Share Account is a variable rate account. The rates listed are the last dividend declaration date. The dividend rate and annual percentage yield (APY)** on this account may change every quarter as determined by our board of directors.
CHRISTMAS CLUB & VACATION CLUB
The Christmas Club is a variable rate account. The interest rate & annual percentage yield (APY)** may change annually.
MONEY MARKET ACCOUNT
|
AVERAGE DAILY BALANCE |
APR* |
APY* |
| $0.00 - $9,999.00 |
0.50% |
0.50% |
| $10,000.00 - $25,000.00 |
0.75% |
0..50% - 0.65% |
| $25,000 and above |
1.25% |
0.65% - 0.95% |
MONEY MARKET ACCOUNT
The Money Market account is a variable rate account. The rates listed are as of the last dividend declaration date. The dividend rate and annual percentage yield (APY)** on this account may change every month as determined by our board of directors. The minimum average daily balance in your account to earn a dividend is $1000. A maximum of six (6) withdrawals per month: including checks, ATM/Debit transactions, home banking transfers, ACH and audio response. No limits on in person transactions. Transactions exceeding the limit are subject to nonpayment.
SCHEDULE OF IRA SHARE RATES
|
IRA SHARE ACCOUNT |
APR* |
APY* |
| S90 - IRA Share Deposit |
0.25% |
0.25% |
| S91 - IRA Share Over $1000 |
1.90% |
1.91% |
| S92 - Roth IRA Share Deposit |
1.90% |
1.91% |
| S93 - Coverdell IRA Share Deposit |
1.90% |
1.91% |
| S94 - Roth IRA Conversion |
1.90% |
1.91% |
| S95 - SEP IRA |
1.90% |
1.91% |
SCHEDULE OF CD and CD/IRA RATES
| |
APR* |
APY* |
| 6 Month Certificate |
1.00% |
1.00% |
| 12 Month Certificate |
1.25% |
1.26% |
| 18 Month Certificate |
1.50% |
1.51% |
| 24 Month Certificate |
1.75% |
1.76% |
| 36 Month Certificate |
2.25% |
2.27% |
| 48 Month Certificate |
2.50% |
2.52% |
Penalty for early withdrawal. Minimum investment of $500 for all terms. The above listed CD rates may change daily. *Annual Percentage Rate ** Annual Percentage Yield
LOAN RATES
Saturday November 07, 2009
All rates quoted as APR (annual percentage rate)
Click here to calculate your loan payment
New Vehicles
rates from 5.50%*
Used Vehicles
rates from 5.50%*
RV(Motorhome, Boat, Motorcyle, etc.)
rates from 7.50%*
Share Secured/CD Secured
rates from 3.00%*
*Rates listed represent our best rates and are subject to credit approval. Not all members qualify for our best rate. To determine your rate, please contact the credit union. Rates and terms subject to change.
All rates are annual percentage rates (A.P.R.).
First Mortgage/Owner occupied
| 30 year amortization |
Contact a representative for your best rate. |
| 15 year amortization |
Contact a representative for your best rate. |
*Rates listed represent our best rates and are subject to credit approval. Not all members qualify for our best rate. To determine your rate, please contact the credit union. Rates and terms subject to change.
All rates are annual percentage rates (A.P.R.).
Miscellaneous Rates
| Home Equity (variable rate/adjusts quarterly) currently at |
4.25%* |
| Home Equity (fixed rate/10 year term) |
6.25%* |
|
Unsecured (signature loan) |
8.50%* |
|
MasterCard |
8.90% |
|
Checking Account Line of Credit |
18.0% |
*Rates listed represent our best rates and are subject to credit approval. Not all members qualify for our best rate. To determine your rate, please contact the credit union. Rates and terms subject to change.
All rates are annual percentage rates (A.P.R.).
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