Rates & Fees
Rates in effect starting immediately. All rates are subject to change without notice. Some restrictions may apply. Certain fees may reduce earnings.
Share (Savings) Accounts
| Type | Dividend Rate | APY* |
|---|---|---|
| Regular Share Account ($50.00 minimum deposit) |
0.50% | 0.50% |
| Christmas Club | 0.50% | 0.50% |
| Group Savings | 0.50% | 0.50% |
| Share Certificate Accounts** | ||
| 6-month term | 1.00% | 1.00% |
| 12-month | 1.24% | 1.25% |
| 24-month | 1.49% | 1.50% |
Rates effective as of September 1, 2010.
*APY = Annual Percentage Yield.
**Minimum $1,000; no maximum. Dividends compound and credit to certificate quarterly — automatic renewal. Early withdrawal penalty provision may apply.
Consumer Loans
| Type | APR* |
|---|---|
| New Auto Loan Rates as low as... |
3.74% |
| Used Auto Loan Rates as low as... |
4.24% |
| Personal Loan Rates as low as... |
7.49% |
| Consolidation Loan Rates as low as... |
8.99% |
| Share Secured Loan 100% of the loan amount is secured by funds in your share (savings) account. |
4.25% |
Rates for New and Used Auto Loans are determined by an evaluation of your credit, the loan payment amount, loan-to-value (loan balance divided by vehicle value) and direct deposit/payroll deduction.
Rates for Personal and Consolidation Loans are determined by an evaluation of your credit, the loan payment amount and direct deposit/payroll deduction.
* APR = Annual Percentage Rate.
Real Estate Loans
| Type | APR* |
|---|---|
| Home Equity Line of Credit | Please call for our current rates and information |
| Home Equity Closed End Loan | Please call for our current rates and information |
| Land Loan | Please call for our current rates and information |
