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  Effective July 31, 2008

Loan Rates

WE OFFER FIRST MORTGAGES-PLEASE CALL FOR DETAILS

LOAN TYPE

AS LOW AS

MAXIMUM TERM

MONTHLY PAYMENT PER $1000

DETAILS

NEW  AND USED CAR* *

 

4.74% APR*

60 MONTHS

 

$18.76

 

2007 & 2008; 100% MSRP  OR  NADA RETAIL

5.49% APR*

72 MONTHS

$16.34

2007 & 2008; 100% MSRP OR NADA RETAIL

5.24% APR* 

60 MONTHS

$18.99

2005-2006; 100% NADA RETAIL
 

5.99% APR*

72 MONTHS

$16.58

2005-2006; 100% NADA RETAIL

5.99% APR*

60 MONTHS

$19.33

2004;      100% NADA RETAIL

6.49% APR*

72 MONTHS

$16.81

2004;      100% NADA RETAIL

6.49% APR*

48 MONTHS

$23.72

2001-2003; 100% NADA RETAIL

6.99% APR*

60 MONTHS

$19.81

2001-2003; 100% NADA RETAIL

8.25% APR*

48 MONTHS

$24.54

1996-2000; 100% NADA RETAIL

            SPECIAL CONSOLIDATION LOAN** 

8.75% APR*

10.25% APR*

24 MONTHS

48 MONTHS

$45.58

$25.49

 $7500 maximum loan

$10,000 maximum loan

 

PERSONAL     (UNSECURED)**

11.25% APR*

60 MONTHS

$21.87

$10,000 maximum loan

NEW BOAT**

8.75% APR*

60 MONTHS

$20.65

80% financing; $15,000 maximum loan

8.75% APR*

84 MONTHS

$15.97

80% financing; $30,000 maximum loan

USED BOAT**

9.75% APR*

60 MONTHS

$21.14

75% financing; $15,000 maximum loan

TUITION LOAN**

7.00% APR*

12 MONTHS

$86.55

$3,000 per student

HOME IMPROVEMENT LOAN**

10.00% APR*

60 MONTHS

$21.26

$10,000 maximum (DEED, COPY OF ESTIMATE) Member to pay Recording & Discharge fees 

NEW RECREATIONAL VEHICLE**

9.25% APR*

84 MONTHS

$16.23

30% down; $25,000 maximum loan

FIRST MORTGAGE**

Please call for details and rates.

SECOND MORTGAGE**

6.00% APR*

60 MONTHS

$19.34

NO CLOSING  COSTS #

        Rates are determined by appraisal value & credit history

     6.25%  APR*

120 MONTHS

$11.24

NO CLOSING  COSTS #

6.75% APR*

180 MONTHS

$8.86

NO CLOSING  COSTS #

HOME EQUITY LINE OF  CREDIT**#

PRIME MINUS .25%

180 MONTHS

$9.14

Variable rate, adjusted monthly. Maximum APR*-18%. 

 Rates are determined by appraisal value & credit history

    

NO CLOSING COSTS #

SHARE SECURED LOAN

3.50% APR*

60 MONTHS

$18.20

  

VISA CREDIT CARD

$10,000 maximum credit line
 

Annual Percentage Rate (APR) for Purchases

VISA Classic

 9.90%

Other APR’s

Cash Advance APR…..9.90%

Grace Period for Purchases

25 days

Method of Computing the Balance for Purchases

Average Daily Balance (Including new purchases)

Annual Fee

None

Minimum Finance Charge

None

Transaction Fee for Purchases

None

Over-the-Credit Limit Fee

$10.00

 

     

NO ANNUAL FEE!
         

STUDENT VISA CREDIT CARD

8.90% APR*

$1,000 maximum credit line; COSIGNER REQUIRED.
 

Annual Percentage Rate (APR) for Purchases

VISA Classic

 8.90%

Other APR’s

Cash Advance APR…..8.90%

Grace Period for Purchases

25 days

Method of Computing the Balance for Purchases

Average Daily Balance (Including new purchases)

Annual Fee

None

Minimum Finance Charge

None

Transaction Fee for Purchases

None

Over-the-Credit Limit Fee

$10.00

 

       

OVERDRAFT PROTECTION

11.25% APR*

      Variable rate...Index: 36 month personal loan rate. Minimum APR* 10% Maximum APR* 18%
All loan rates are subject to change without notice

*Annual percentage rate

** Rates are determined by credit history.  Your rate may be lower or higher than the standard rate.

#If you close the loan within 2 years after your first advance you will be liable to reimburse us for the fees paid on your behalf. Any amounts owed may be added onto the principal balance.

Money Market Accounts*****

Average daily balance of:                                            Dividend Rate                       APY***

$2,000 - $19,999                                                      1.75%                     1.76%

$20,000 - $49,999                                                     2.25%                     2.27%

$50,000 - $99,999                                                     2.50%                     2.53%

$100,000+                                                                 2.75%                     2.78%

***ANNUAL PERCENTAGE YIELD.

*****RATES SUBJECT TO CHANGE WITHOUT NOTICE.  THE APY IS ACCURATE AS OF THE LAST DIVIDEND DECLARATION DATE. 

Share Certificates & IRA Share Certificates

Dividend Rate

SIX MONTH CERTIFICATE*

3.05% Compounded Monthly APY***  3.10%
12-MONTH CERTIFICATE* 3.40% Compounded Monthly APY***  3.45%
18-MONTH CERTIFICATE* 3.50% Compounded Monthly APY***  3.56%
24-MONTH CERTIFICATE* 3.65% Compounded Monthly APY***  3.71%
36 MONTH CERTIFICATE* 3.80% Compounded Monthly APY***  3.86%
48-MONTH CERTIFICATE* 4.05% Compounded Monthly APY***  4.13%
60-MONTH CERTIFICATE* 4.30% Compounded Monthly APY***  4.39%

MINIMUM DEPOSIT OF $500.00 REQUIRED ON ALL CERTIFICATES

***Annual Percentage Yield

*RATES SUBJECT TO CHANGE WITHOUT NOTICE. ANNUAL PERCENTAGE YIELD ASSUMES THAT DIVIDENDS REMAIN ON DEPOSIT FOR LENGTH OF TERM. A PENALTY WILL BE IMPOSED FOR AN EARLY WITHDRAWAL. THE PENALTY MAY REQUIRE A DEDUCTION IN THE PRINCIPAL SUM OF THE ACCOUNT. APY IS ACCURATE AS OF LAST DIVIDEND DECLARATION DATE.


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