Rates
| Loans | |||
| Effective Date: Monday, February 6th, 2012 | |||
| Loan Type | Amount Financed | Maximum Terms/Months | APR* |
New Car
|
100% | 48 | 2.99% |
| 60-72 | 3.49% | ||
| 84 | 5.49% | ||
Used Cars |
Up to NADA retail value | 48 | 3.49% |
2007 |
36 | 3.49% | |
2006 |
24 | 3.49% | |
| Recreational Vehicle-New (must be titled) |
90% | 12 - 72 | 5.50% |
| Recreational Vehicle-Used (must be titled) |
NADA Loan Value | 12 - 48 | 5.50% |
| New Motorcycle | 90% | 12 - 60 | 5.50% |
| Used Motorcycle | NADA Loan Value | 12 - 48 | 5.50% |
| Share Certificate Secured | 100% Secured | 1-120 | 3.00% over your CD rate |
| Share Secured | 100% Secured | 1 - 120 | 4.50% |
| Partially Secured | 50% or More | 1 - 48 | 11.50% |
| Overdraft Protection | $500.00 / $1,000.00 / $1,500.00 | Up to 44 | 15.00% |
| Holiday Loan* | Up to $ 1,000.00 | 12 | 4.00% |
| *Effective 11-01-2011 to 1-31-2012 | |||
| Home Mortgages | |||
| Unsecured Revolving Credit | $100.00 - $5,000.00 Payment = $15.00 - $150.00 |
8 - 45 | 15.00% |
| For latest Home Mortgages rates see Mortgage Center or call 800.353.4449 | |||
| Unsecured amount approved is usually equal to one month of member's income. | |||
| Credit Cards | |
| Effective Date: 01/01/2012 | |
| Name | APR* |
| VISA Classic/Platnium | 12.96% |
| VISA Gold/Platnium | 11.96% |
| Savings | ||||
| Effective Date: 01/01/2012 | ||||
| Account Type | APY** | Dividend Rate | Minimum Balance To Open | Dividend Payment |
| Shares | 0.05% | 0.05% | $5.00 | Paid & Compounded Quarterly |
| IRA | 0.15% | 0.15% | NONE | Paid & Compounded Quarterly |
| **Dividends paid quarterly to shares. | ||||
| Certificate of Deposit | |||||
| Effective Date: 01/01/2012 | |||||
| Amount | 6 Month | 1 Year | 2 Year | 3 Year | 5 Year |
| $500.00 to $9,999.99 | .10%APY** | .20%APY** | .35%APY** | 0.50%APY** | 1.00%APY** |
| $ 10,000.00 and Up | .15%APY** | .25%APY** | .40% APY** | 0.55% APY** | 1.05% APY** |
| **Dividends paid quarterly to shares. No additional deposits or withdrawals. Fixed rate. | |||||
| ***Fees could reduce account dividend earnings;.* Penalties will apply for early withdrawals. | |||||
*APR: Annual Percentage Rate
**APY: Annual Percentage Yield
