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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. |
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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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These rates were paid 12/31/11. They are not guaranteed for 3/31/12. |
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 |
0.300% |
0.300% |
0.500% |
0.501% |
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$10,000—$24,999.99 |
0.400% |
0.401% |
0.600% |
0.601% |
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$25,000—$49,999.99 |
0.500% |
0.501% |
0.700% |
0.702% |
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$50,000 Up |
0.600% |
0.601% |
0.800% |
0.802% |
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Vehicle Loans |
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Signature (Unsecured) Loans |
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2012, 2011, 2010, 2009 |
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12 mos. |
6.90% |
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24 mos. |
2.75% |
24 mos. |
7.90% |
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48 mos. with 24 mo. balloon |
2.99% |
36 mos. |
8.90% |
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36 mos. |
3.20% |
48 mos. |
9.90% |
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48 mos. |
3.75% |
60 mos. |
10.90% |
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60 mos. |
3.90% |
100% Share Secured Loans |
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72 mos. with 36 mo. balloon* |
3.45% |
24 mos. |
2.75% |
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72 mos.* |
4.50% |
48 mos. with 24 mo. balloon |
2.99% |
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84 mos. with 42 mo. balloon** |
4.50% |
36 mos. |
3.20% |
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84 mos.** |
5.50% |
72 mos. with 36 mo. balloon |
3.45% |
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* Mileage must be under 20,000 |
48 mos. |
3.75% |
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2008, 2007, 2006 |
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84 mos. with 42 mo. balloon |
4.50% |
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36 mos. |
4.50% |
60 mos. |
3.90% |
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48 mos. |
4.90% |
72 mos. |
4.50% |
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60 mos. |
5.25% |
84 mos. |
5.50% |
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2005, 2004, 2003 |
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50% Share Secured Loans |
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36 mos. |
4.90% |
36 mos. ($1,000-2,500) |
7.50% |
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48 mos. |
5.25% |
48 mos. ($2,501-4,000) |
8.00% |
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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% |
Home Equity Application Fees: |
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84 mos. |
4.90% |
Balloon rewrites with no new money loaned |
No fee |
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Balloon Loans: |
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Loans $40,000 or More |
$50 |
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6 years with 3 year balloon |
3.50% |
Loans $20,000-39,999 |
$150 |
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9 years with 3 year balloon |
3.90% |
Loans Under $20,000 |
$250 |
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12 years with 3 year balloon |
3.90% |
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8 years with 4 year balloon |
4.25% |
What is a Balloon Loan? |
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12 years with 4 year balloon |
4.25% |
A balloon loan is a loan granted for a fixed rate for a set number of years but amortized over a longer term. Your rate is fixed for the first term of the loan, then you come in after that term to rewrite the loan at the current interest rate at that time. This is not a variable rate loan. |
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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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