Rates
LOAN RATES |
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| Loan Type | Maximum Term | Rates (APR)* |
| Share Secured | Varies | Earning Rate +1.00% |
| Minimum APR = 4.25% |
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| New Vehicles (2-years old or newer) |
Up to 84 months (100% of purchase price, NADA or Kelly Guide) |
2.99%-10.75% |
| Used Vehicles | Up to 72 months (100% of purchase price, NADA or Kelly Guide) |
2.99%-11.25% |
| Campers/Motorhomes | Up to 120 months | 2.99%-11.75% |
| Rates based on credit history, down payment and term of the loan. |
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| Signature | Up to 60 months | 12.00% |
| Overdraft Protection | Revolving | 11.00% |
| Minimum payment is determined by amount of credit line, with a minimum payment of not less than $10.00 per month. |
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| Manufactured Homes No Real Estate |
Contact credit union for terms | 11.75% |
| Real Estate (Commerical & Noncommerical) |
Call credit union | |
| Home Loans | Call credit union | |
| Construction Loans | Call credit union | |
| Operating Loans / Member Business Loans |
Contact credit union for terms | 5.50%-9.20% |
| Equipment Loans | Contact credit union for terms | 5.00%-8.75% |
VISA Credit Cards |
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| Loan Type | Maximum Term | Rates (APR)* |
| VISA Credit Cards | Revolving | 11.90% |
*APR = Annual Percentage Rate
SHARE RATES |
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| Account Type | Minimum Balance | Dividend Rate | APY*** |
| Regular Shares* | $5.00 | 0.75% | 0.75% |
| SHARE RATES AS OF QUARTER END SEPTEMBER 30, 2011 | |||
*Rates are estimated for quarter. Dividends declared in last month of each quarter.
SHARE DRAFTS |
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| Account Type | Fees | Dividend Rate | APY*** |
| Share Draft Accounts | No Monthly Fees | 0.00% | 0.00% |
CERTIFICATE RATES** |
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| Term | Minimum Balance | Dividend Rate | APY*** |
| 6 months | $500.00 | 0.80% | 0.80% |
| 9 months | $500.00 | 0.90% | 0.90% |
| 1 Year | $500.00 | 1.10% | 1.10% |
| 18 months | $500.00 | 1.20% | 1.21% |
| 2 Years | $500.00 | 1.30% | 1.31% |
| 3 Years | $500.00 | 1.50% | 1.51% |
| 4 Years | $500.00 | 1.75% | 1.76% |
| 5 Years | $500.00 | 2.25% | 2.27% |
| Student 1-3 Years | $500.00 | 1.50% | 1.51% |
| CERTIFICATE RATES EFFECTIVE 08/08/2011 | |||
**Dividends paid quarterly from certificate origination or renewal date.
***APY=Annual Percentage Yield. Rates are subject to change without notice. Please contact your credit union to confirm dividends/rates and for terms and further information applicable to the advertised rates and accounts. Fees may reduce earnings on all accounts. Early withdrawal penalties may apply to all certificates.
