Loans
| Loan Type | Rate | APR* | Term |
|---|---|---|---|
| New Car | 4.50 | 4.50 | 72 |
| Used Car | 6.50 | 6.50 | 60 |
| Used Cars (Over 3 years old) | 6.50 | 6.50 | 60 |
| Personal | 8.49 | 8.49 | 12 |
| Personal | 10.49 | 10.49 | 24 |
| Personal | 12.49 | 12.49 | 36 |
| Personal | 12.99 | 12.99 | 48 |
| Home EquityFixed | 6.25 7.25 | 6.25 7.25 | 120 180 |
| Home Equity Fixed | 8.25 | 8.25 | 240 |
| Share Secured | 3.85 | 3.85 | 48 |
*APR(Annual Percentage Rate)are reviewed monthly and subject to change.
Savings
Dividends are paid quarterly and based on average balance. Rate are subject to change.
| Savings | Dividend Rate | APY* | Term |
|---|---|---|---|
| Regular Shares and Clubs **$25 deposit required in Reg Shares for membership** | .10 | .10 | n/a |
| Draft (checking) | 0 | 0 | n/a |
| Money Market $2500 minimum | .15 | .15 | n/a |
| Money Market $10,000 minimum | .25 | .25 | n/a |
| Money Market $25,000 minimum | .50 | .50 | n/a |
| Money Market $50,000 minimum | .95 | .95 | n/a |
| IRAs <$2500 | 0.50 | 0.501 | n/a |
| IRAs $2500-$10,000 | .80 | .802 | n/a |
| IRAs> $10,000 | 1.50 | 1.508 | n/a |
Certificates
Dividends posted to your account quarterly and paid at maturity. Premature withdrawal results in dividend penalty.
| Certificates | Dividend Rate | APY* | Term |
|---|---|---|---|
| $1000 minimum deposit | 3.50 | 3.546 | 6 |
| $1000 minimum deposit | 3.00 | 3.034 | 12 |
| $1000 minimum deposit | 2.75 | 2.778 | 24 |
** May be loss of some accrued interest for early withdrawl**