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Rates current as of July 8, 2008
ACCOUNT RATES
|
MINIMUM
|
INTEREST RATE
|
APY* |
Regular Shares |
$500 |
0.50% |
0.50% |
Secondary Shares |
$500 |
0.50% |
0.50% |
Share Draft |
$0 |
0.00% |
0.00% |
GEM Checking |
$0 |
0.00% |
0.00% |
Christmas Club |
$500 |
0.50% |
0.50% |
IRA Shares |
$500 |
2.25% |
2.27% |
Roth IRA |
$500 |
2.25% |
2.27% |
Education IRA |
$500 |
2.25% |
2.27% |
6 Month Share Certificate |
$1,000 |
2.50% |
2.52% |
12 Month Share Certificate |
$1,000 |
2.80% |
2.83% |
24 Month Share Certificate |
$1,000 |
3.00% |
3.03% |
36 Month Share Certificate |
$1,000 |
3.15% |
3.19% |
20 / 20 Certificate |
$20,000 |
3.10% |
3.14% |
50 / 20 Certificate |
$50,000 |
3.35% |
3.39% |
Spec 15 Mo Certificate |
$1,000 |
2.90% |
2.94% |
| SENIOR RATES (55 and Over) |
6 Month F55 Certificate |
$1,000 |
2.75% |
2.78% |
12 Month F55 Certificate |
$1,000 |
3.05% |
3.09% |
24 Month F55 Certificate |
$1,000 |
3.25% |
3.29% |
36 Month F55 Certificate |
$1,000 |
3.40% |
3.44% |
|
| *ANNUAL PERCENTAGE YIELD |
Regular shares, sub share accounts, student accounts, share draft
accounts, gem accounts, Christmas club accounts, and IRA share
accounts may change every dividend period. The rate quoted
above is the last rate declared by the Board of Directors.
Rates current as of April 1, 2008
LOAN RATES
|
APPROX. TERM
|
DAILY PERIODIC RATE
|
APR* |
| Certificate Secured Advances |
|
See below |
See below |
| Share Secured Advances |
(Variable) |
0.00822% |
3.00% |
| Fixed Rate Share Secured Advances |
120 Months |
0.01644% |
5.00% |
| Signature Advances |
12 Months 24 Months 36 Months 48 Months |
0.02740% - 0.04918%
0.02808% - 0.04918%
0.02877% - 0.04918%
0.02945% - 0.04918% |
10.00% - 17.95%
10.25% - 17.95%
10.50% - 17.95%
10.75% - 17.95% |
| New and Used Autos & Trucks (2007 and newer) |
24 Months
36 Months
48 Months
60 Months
72 - 84 Mos |
0.01507% - 0.03836%
0.01575% - .003904%
0.01644% - 0.03973%
0.01712% - 0.04041%
0.01781% - 0.04041% |
5.50% - 14.00%
5.75% - 14.25%
6.00% - 14.50%
6.25% - 14.75%
6.50% - 14.75% |
| Used Autos & Trucks (2005 to 2006) |
24 Months
36 Months
48 Months
60 Months
72 - 84 Mos |
0.01575% - 0.03904%
0.01644% - .003973%
0.01712% - 0.04041%
0.01781% - 0.04110%
0.01849% - 0.04110% |
5.75% - 14.25%
6.00% - 14.50%
6.25% - 14.75%
6.50% - 15.00%
6.75% - 15.00% |
| Used Autos & Trucks (2004 & Older) |
24 Months
36 Months
48 Months
60 Months
72 - 84 Mos |
0.01644% - 0.04041%
0.01712% - .004110%
0.01781% - 0.04178%
0.01849% - 0.04178%
0.01918% - 0.04178% |
6.00% - 14.75%
6.25% - 15.00%
6.50% - 15.25%
6.75% - 15.25%
7.00% - 15.25% |
| New and Used RV's & Boats over $20,000 |
60 Months
72 Months
84 Months
96 Months
120 Months |
0.01918% - 0.02740%
0.01986% - 0.02808%
0.02055% - 0.02877%
0.02123% - 0.02945%
0.02192% - 0.02945% |
7.00% - 10.00%
7.25% - 10.25%
7.50% - 10.50%
7.75% - 10.75%
8.00% - 10.75% |
| New and Used RV's & Boats under $20,000 |
48 Months
60 Months
72 Months
84 Months
120 Months |
0.01918% - 0.04247%
0.01986% - 0.04247%
0.02055% - 0.04247%
0.02123% - 0.04247%
0.02192% - 0.04247% |
7.00% - 15.50%
7.25% - 15.50%
7.50% - 15.50%
7.75% - 15.50%
8.00% - 15.50% |
| Other Vehicles |
24 Months
36 Months
48 Months
60 Months
72 Months |
0.02055% - 0.04384%
0.02123% - 0.04452%
0.02192% - 0.04521%
0.02260% - 0.04521%
0.02329% - 0.04521% |
7.50% - 16.00%
7.75% - 16.25%
8.00% - 16.50%
8.25% - 16.50%
8.50% - 16.50% |
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| *ANNUAL PERCENTAGE Rate |
| Printable version |
VARIABLE RATE SHARE SECURED ADVANCES: The ANNUAL PERCENTAGE RATE (A.P.R.) is subject to change the first day of each quarter, (January, April, July, and October) and will be set at two (2%) percentage points above the dividend rate being earned on the Share account used as security (index) then rounded to the nearest quarter percent. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new A.P.R. If the security is not maintained as required, you will be in default under the plan and the ANNUAL PERCENTAGE RATE (A.P.R.) will automatically revert to the current highest signature advance rate as disclosed in this agreement. Any increase in the A.P.R. will result in more payments of the same amount until what you owe has been repaid.
CERTIFICATE SECURED ADVANCES: The ANNUAL PERCENTAGE
RATE (A.P.R.) will be set at two (2%) percentage points above the dividend
rate being earned on the certificate account used as security (Index)
then rounded to the nearest quarter percent. The certificate must be renewed
until the advance is completely paid. Failure to renew will result in
default under the Plan. When the Certificate is renewed the APR will change
to reflect the new dividend rate. If there is an existing balance on the
date of the new advance, the existing balance will be added to the new
advance and the entire balance will be at the new APR. Any increase in
the APR will result in more payments of the same amount until what you
owe has been repaid. The annual percentage rate and the daily periodic
rate will be disclosed on the voucher at the time of the advance.
SPECIAL DISCOUNTS ON ADVANCES: You may receive
a lower ANNUAL PERCENTAGE RATE (A.P.R.) of 0.25% below the rate quoted
above on the advance if you use at least two of the following services:
Share draft, direct deposit, payroll deduction, share certificate, Christmas
club, or Internet banking
LATE CHARGE: There will be a late charge of $15.00
if your payment is over fifteen (15) days late.
COLLECTION
COSTS: You promise to pay all costs of collection the amount you owe
under this agreement including court costs and reasonable attorney fees.
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