Rates
Rates effective as of June 6, 2016
Loans
| Loans | Rate | APR | APY | Term in Months |
|---|---|---|---|---|
| Home Equity Line of Credit As low as Prime -1/2% Variable Rate | 4.00 | 4.00 | 4.00 | 120 months |
| New Vehicle Loan* As low as...** | 3.00 | 3.00 | 3.00 | up to 84 |
| Used Vehicle Loan* As low as...** | 3.00 | 3.00 | 3.00 | up to 84 |
| Other Secured Loans* As low as...** | 7.25 | 7.25 | 7.25 | up to 84 |
| Personal/Signature Loan* As low as...** | 9.90 | 9.90 | 9.90 | up to 72 |
| Line of Credit* As low as...** | 9.90 | 9.90 | 9.90 | n/a |
| VISA Credit Card | 8.90 | 8.90 | 8.90 | n/a |
| Secured by Share Account (under 5 years) | 3.00 | 3.00 | 3.00 | up to 60 |
| Secured by a Share Account (over 5 years) | 4.00 | 4.00 | 4.00 | up to 120 |
| Secured by a Share Certificate | 6.50 | 6.50 | 6.50 | n/a |
| *Extra 0.5% rate discount for Hybrid Auto Financing and/or Auto Payment | ||||
| Home Equity Line of Credit Rate is determined ten days before the end of each calendar quarter. The rate is variable and is subject to change each quarter. **As low as signifies that your loan rate will be determined by your credit qualifications. Your Loan Officer will disclose your rate based on your credit score information. | ||||
Checking Account
| Checking Account Dividends paid monthly on average daily balance | RATE = 0.30% | APY* = 0.30% |
Savings
| Savings | Rate | APY* | Term |
|---|---|---|---|
| Share Savings Account Dividends Paid Quarterly | 0.40 | 0.40 | n/a |
| Money Market Shares ($500.00 minimum balance) Dividends Paid Monthly | 0.65 | 0.65 | n/a |
| Christmas Club Account Dividends Paid Monthly | 0.40 | 0.40 | n/a |
| APR = Annual Percentage Rate APY = Annual Percentage Yield |
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Certificates
| Certificates | Rate (APR) | APY* | Term |
|---|---|---|---|
| Share Certificate 6 month | 0.90 | 0.90 | 6 Months |
| Share Certificate 12 month | 1.00 | 1.00 | 12 Months |
| Share Certificate 24 month | 1.25 | 1.26 | 24 Months |
| Save to Win Share Certificate 12 month $25 Minimum Balance Required | 0.45 | 0.45 | 12 Months |
| All Certificates require a minimum $500 minimum balance unless otherwise stated. Dividends Paid Quarterly APR = Annual Percentage Rate APY = Annual Percentage Yield |
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