INVESTMENT RATES
Effective October 1, 2008 |
| |
|
|
|
ACCOUNT TYPE |
|
DIVIDEND
RATE |
ANNUAL
% YIELD |
| |
|
|
|
| SHARE (SAVINGS) |
|
0.50% |
0.50% |
| SHARE DRAFT (CHECKING) |
|
0.15% |
0.15% |
| MONEY MARKET-UNDER $2,500 |
|
0.60% |
0.60% |
| MONEY MARKET-$2,501 - $10,000 |
|
0.85% |
0.85% |
| MONEY MARKET- OVER $10,001 |
|
1.24% |
1.25% |
| MONEY MARKET- OVER $25,000 |
|
1.98% |
2.00% |
| PREMIUM MONEY MARKET- OVER $10,000 |
|
2.72% |
2.75% |
| CHRISTMAS CLUB |
|
0.60% |
0.60% |
| REAL ESTATE ESCROW |
|
0.94% |
0.94% |
| IRA SHARE SAVINGS ACCOUNT <$50,000 |
|
2.23% |
2.25% |
| IRA SHARE SAVINGS ACCOUNT >$50,000 |
|
2.96% |
3.00% |
| IRA 12 MONTH SHARE CERTIFICATE |
|
2.96% |
3.00% |
| IRA 24 MONTH SHARE CERTIFICATE |
|
3.06% |
3.10% |
| IRA 36 MONTH SHARE CERTIFICATE |
|
3.15% |
3.20% |
| |
|
|
|
| SHARE CERTIFICATES*** |
|
|
|
| SIX MONTHS |
|
2.72% |
2.75% |
| |
|
|
|
| TWELVE MONTHS |
|
2.96% |
3.00% |
| |
|
|
|
| TWENTY-FOUR MONTHS |
|
3.06% |
3.10% |
| |
|
|
|
| THIRTY-SIX MONTHS |
|
3.15% |
3.20% |
| |
|
|
|
Rates subject to change without notice. |
*** Share Certificates have a minimum balance requirement of $5,000.00;
IRA Share Certificates have a minimum balance of $2,000.00 |
| |
LOAN RATES
Effective May 1, 2008 |
| |
| NEW CAR |
|
|
ANNUAL% RATE |
| 36 MONTHS * |
|
|
6.50% |
| 48 MONTHS* |
|
|
6.90% |
| 60 MONTHS* |
|
|
7.15% |
| 72 MONTHS* |
|
|
7.25% |
*10% DOWN
|
|
|
|
| |
|
|
|
| USED CAR AND OTHER |
|
|
|
| 36 MONTHS* |
|
|
7.15% |
| 48 MONTHS* |
|
|
7.50% |
| 60 MONTHS* |
|
|
7.75% |
| 72 MONTHS* |
|
|
7.99% |
*10% DOWN
|
|
|
|
| |
|
|
|
| FIRST MORTGAGE |
|
|
APR
As low as |
| 1 YEAR BALLOON - up to 30 YR. AMORT. |
6.45% + 0.5% Closing Costs |
| 2 YEAR BALLOON - up to 30 YR. AMORT. |
6.69% + 0.5% Closing Costs |
| 3 YEAR BALLOON - up to 30 YR. AMORT. |
5.95% + 0.5% Closing Costs |
| 7 YEAR BALLOON - up to 30 YR. AMORT. |
7.15% + 0.5% Closing Costs |
| 10 YEAR BALLOON - up to 30 YR. AMORT. |
6.50% + 0.5% Closing Costs |
| |
|
| SECOND MORTGAGE |
|
|
|
| 3 YEAR BALLOON - 10 YR. AMORT. |
|
|
6.99% |
| |
|
|
|
| SIGNATURE LOANS |
|
|
|
| |
|
|
|
| 24 MONTHS -$2,000.00+ |
|
|
9.90% |
| 36 MONTHS -$2,000.00+ |
|
|
10.90% |
| $1999 OR LESS |
|
|
11.90% |
| |
|
|
|
| VISA |
|
|
16.90% |
$10.00 ANNUAL FEE
|
|
|
|