Rates
Rates Last Updated: October 31, 2008.
| Account Type | Minimum |
% APY |
Saving |
$500 and above |
.75% / .75% |
Silver Checking |
$200 and above |
.25% / .25% |
VIP Checking |
$200 and above |
.25% / .25% |
Bonus Checking |
$500 and above |
.25% / .25% |
IRAs |
$100 and above |
2.00% / 2.02% |
Money Market |
$2,500 and above |
1.25% / 1.27% |
Holiday Club / Vacation Account |
$200 and above |
.25% / .25% |
*Annual Percentage Yield |
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Certificates of Deposit Accounts |
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Account Features |
Share Certificate |
Silver Certificate |
Bronze Certificate |
Platinum Certificate |
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| Minimum Opening Dep. |
$1,000.00-$9,999.99 |
$10,000-$49,999.99 |
$50,000-$98,999 |
$99,000 |
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Dividends Comounded |
N/A |
N/A |
N/A |
N/A |
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Dividends Credited |
Monthly |
Monthly |
Monthly |
Monthly |
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Dividend Period |
Calendar Month |
Calendar Month |
Calendar Month |
Calendar Month |
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Additional Deposit |
Not Allowed |
Not Allowed |
Not Allowed |
Not Allowed |
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Withdrawals |
Allowed-Div Only |
Allowed-Div Only |
Allowed-Div Only |
Allowed-Div Only |
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Renewable |
Not Automatic |
Not Automatic |
Not Automatic |
Not Automatic |
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Annual Percentage Yield* Effective: October 31, 2008 |
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Mortgage Rates |
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| Loan Type | % APR |
Amount |
Home Equity |
6.25% - 8.25% |
$2.500 min - $50,000 max |
Home Improvement Rates |
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| Loan Type | % APR |
Amount |
Home Improvement |
9.00% |
$2,500 – $15,000 |
10.00% |
$15,001 – $25,000 |
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Personal Loan Rates |
|
Term |
% APR |
Up to 12 months |
9.00% |
13 - 36 months |
9.50% |
37 - 48 months |
10.25% |
Line of Credit |
9.00% |
Second Chance |
18.00% |
VISA |
10% - 18% |
Checking LOC up to 12 months |
9% to 12% |
New Autos |
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Term |
80% APR |
90% APR |
100% APR |
24 - 36 month |
6.00% |
6.25% |
6.50% |
37 - 48 month |
6.25% |
6.50% |
6.75% |
49 - 60 month |
6.50% |
6.75% |
7.00% |
Used Autos |
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| Account Type | Term |
% APR |
2007 - 2008 |
49 - 60 months |
7.00%
|
| 2004 - 2006 |
36 - 48 months |
7.50%
|
2001 - 2003 |
Up to 24 months |
8.00%
|
New/Used Recreational Vehicles and Boats |
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| Account Type | Minimum |
% APR |
Under $50,000.00 |
Up to 60 months |
9.00% |
Over $50,000.00 |
72 to 120 months |
10.00% |
