Loans | Mortgage | Savings | Certificates
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*APR = Annual Percentage Rate (Interest Only)
All loan rates are determined by using the member's National Risk Score from the Experian Credit Reporting Agency. The better the score, the better the rate.
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For example: An auto loan rate of 4.99% for 36 months, payment is $29.97 per $1,000.00 borrowed assuming credit life and disability insurance is not elected.
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| Share Savings Accounts |
Dividend Rate |
APY* |
Term |
| Regular Shares - Tiered ($5.00 minimum deposit required) |
|
|
|
|
$5.00 - $499.99
|
1.25
|
1.26
|
n/a |
| $500.00 and above |
1.50
|
1.51
|
n/a |
| Share Draft Accounts ($1,000.00 & Above) |
0.25 |
0.25 |
n/a |
| Christmas Club Accounts |
2.00 |
2.01 |
n/a |
| Summer Savings Accounts |
2.00 |
2.01 |
n/a |
| Money Market Account - Tiered ($2,500.00 minimum deposit required) |
|
|
|
|
$2,500.00 - $20,000.00
|
2.25
|
2.27
|
n/a |
| $20,000.01 - $75,000.00 |
2.50
|
2.53
|
n/a |
| $75,000.01 and above |
3.00
|
3.04
|
n/a |
*APY = Annual Percentage Yield
Rates accurate as of May 1, 2008. Savings dividends are calculated on the average daily balance and compounded and posted monthly. Rates are subject to change without notice. Club accounts may be subject to an early withdrawl penalty.
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| Share Certificates |
Dividend Rate |
APY* |
Term |
| Individual Retirement Accounts - IRAs |
3.50 |
3.56 |
n/a |
| Share Certificate 6-Month Term (Minimum Deposit $500) |
2.95 |
2.99 |
6 |
| Share Certificate 12-Month Term (Minimum Deposit $500) |
3.00 |
3.04 |
12 |
| Share Certificate 18-Month Term - (Minimum Deposit $500) |
3.15 |
3.20 |
18 |
| Share Certificate 24-Month Term (Minimum Deposit $500) |
3.25 |
3.30 |
24 |
| Share Certificate 36-Month Term (Minimum Deposit $500) |
3.35 |
3.40 |
36 |
| Share Certificate 48-Month Term (Mimimum Deposit $500) |
3.50 |
3.56 |
48 |
*APY = Annual Percentage Yield
Rates accurate as of May 1, 2008. Share Certificate dividends are calculated on the average daily balance, compounded and posted monthly. Yield applies when dividend is reinvested into the account. There is a one-time "bump-up" for the term of the certicate if the rates should increase. A penalty may be imposed for early withdrawal. Rates are subject to change without notice.
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