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Savings Rates |
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Christmas Club Accounts Share Draft (Checking) Accounts Rates are computed based on the average monthly account balance. Dividends are posted quarterly for shares and IRAs, monthly for share drafts. APR = Annual Percentage Rate |
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Home |
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Services |
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Rates |
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Contact Us |
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Loan Rates |
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All loan rates listed are APRs (Annual Percentage Rates). |
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These rates were paid 12/31/12. They are not guaranteed for 3/31/13. |
Regular Shares (Savings) |
IRA Accounts |
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APR |
APY |
APR |
APY |
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Under $500.00 |
0.000% |
0.000% |
0.000% |
0.000% |
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$500—$4,999.99 |
0.150% |
0.150% |
0.400% |
0.401% |
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$5,000—$9,999.99 |
0.150% |
0.150% |
0.400% |
0.401% |
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$10,000—$24,999.99 |
0.200% |
0.200% |
0.450% |
0.451% |
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$25,000—$49,999.99 |
0.250% |
0.250% |
0.450% |
0.451% |
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$50,000 Up |
0.300% |
0.300% |
0.500% |
0.501% |
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Vehicle Loans |
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Signature (Unsecured) Loans |
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2013, 2012, 2011, 2010 |
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0-18 mos. |
5.75% |
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24 mos. |
2.75% |
19-36 mos. |
6.75% |
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48 mos. with 24 mo. balloon |
2.99% |
37-48 mos. |
7.50% |
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36 mos. |
3.20% |
49-60 mos. |
8.25% |
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48 mos. |
3.75% |
100% Share Secured Loans |
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60 mos. |
3.90% |
24 mos. |
2.75% |
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72 mos. with 36 mo. balloon* |
3.45% |
48 mos. with 24 mo. balloon |
2.99% |
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72 mos.* |
4.50% |
36 mos. |
3.20% |
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84 mos. with 42 mo. balloon** |
4.50% |
72 mos. with 36 mo. balloon |
3.45% |
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84 mos.** |
5.50% |
48 mos. |
3.75% |
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* Mileage must be under 20,000. New or 1 year old. |
84 mos. with 42 mo. balloon |
4.50% |
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2009, 2008, 2007 |
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60 mos. |
3.90% |
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36 mos. |
3.90% |
72 mos. |
4.50% |
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48 mos. |
4.25% |
84 mos. |
5.50% |
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60 mos. |
4.50% |
50% Share Secured Loans |
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2006, 2005, 2004 |
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36 mos. |
5.00% |
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36 mos. |
4.50% |
48 mos. |
5.75% |
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48 mos. |
4.90% |
60 mos. |
6.25% |
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Home Equity Loans |
Home Equity Loans |
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Fixed Rates: |
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Home equity loan requests of $100,000 or more will be discussed by the Board of Directors (with fixed rates for an entire term if desired). |
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36 mos. |
3.50% |
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48 mos. |
3.75% |
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60 mos. |
3.90% |
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72 mos. |
4.75% |
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84 mos. |
4.90% |
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Balloon Loans: |
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6 years with 3 year balloon |
3.50% |
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9 years with 3 year balloon |
3.90% |
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12 years with 3 year balloon |
3.90% |
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8 years with 4 year balloon |
4.25% |
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12 years with 4 year balloon |
4.25% |
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10 years with 5 year balloon |
4.25% |
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15 years with 5 year balloon |
4.50% |
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12 years with 6 year balloon |
4.90% |
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14 years with 7 year balloon |
4.90% |
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Home Equity Loan Application Fees |
With Appraisal |
Without Appraisal |
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Balloon rewrites with no new money loaned |
N/A |
No fee |
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$60,000 and Up |
No fee if term is 6 years or more, $100 if term is 5 years or less |
No fee |
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$40,000—59,999 |
$150 |
$50 |
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$25,000—39,999 |
$200 |
$75 |
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$15,000—24,999 |
$250 |
$75 |
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Appraisals are valid for 5 years. If a home equity loan is paid off in less than 36 months, |
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