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Effective July
11, 2008
All Rates are Subject to Change
On Approved Credit
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Purpose
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Other Information
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APR+
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Type
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Secured Loans
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2005 & Newer Vehicles,
Motorcycles,
ATV's
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100% Financing
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As low as 4.69%
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F
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2004 - 2000 Vehicles,
Motorcycles,
ATV's
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100% Financing
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As low as 4.69%
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F
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100% Financing
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As low as 4.69%
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F
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2005 & Newer RV's,
NEW 180 Month Term
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90% Financing
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As low as 6.94%
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F
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2004 - 2000 Used RV's,
5th Wheel, Boats,
Travel Trailers
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100% Financing
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As low as 4.69%
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F
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1999 & Older Vehicles,
Motorcycles,
ATV's,
RV's, Boats, Snowmobiles,
Jet-skis, PU Campers,
Tent Trailers, Consumer
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100% Financing
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As low as
6.89%
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F
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Other Secured
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Certificate Loans
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3% above certificate rate (6% Floor)
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Shares Loans
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3% above highest savings rate (6% Floor)
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Unsecured Loans
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Signature
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As low as
10.90%
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F
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Line of Credit
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Revolving
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9.50%
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V
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VISA
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Revolving
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9.50%
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V
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30 Year Mortgage
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1st Mortgage 5-10-15 yr
*
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1% Origination Fee,
Plus $500
**
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As low as
5.85%
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F
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1st Mortgage 5 yr Balloon
*
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0% Origination Fee,
Plus $450
**
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As low as
5.99%
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F
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2nd Mortgage
*
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1% Origination Fee,
Plus $500
**
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As low as
6.35%
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F
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1st Mortgage 5 yr Balloon
*
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0% Origination Fee,
Plus
$750
**
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As low as
5.99%
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F
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1st Mortgage 10-15 yr
*
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1% Origination Fee,
Plus all Fees
**
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As low as
5.49%
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F
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No Origination Fee
**
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As low as
5.25%
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V
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Home Equity Line
of Credit (HELOC), 2nd
*
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No Origination Fee
**
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As low as
5.25%
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V
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FHA Home Improvement
*
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As low as
6.35%
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F
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New Mobile Home
*
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As low as
9.70%
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F
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Used Mobile Home
*
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As low as
11.70%
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F
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F
= Fixed Rate ($18,000 @
6.50% for 72 months =
$302.59 payment)
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V
= Variable Rate
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*
Located within 100 miles of a branch office
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**
Full repayment of loan prior to 36 months from closing date requires $350
re-imbursement of waived fees.
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+ APR
(Annual Percentage Rate): The rate you qualify for depends on
your
credit history and in certain instances, the term of the loan.
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Back to Top
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Effective June 1, 2008
All Rates are Subject to Change
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Share Accounts
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Dividend
Rate
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Annual Percentage Yield
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Minimum Opening Balance
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Primary Shares
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$25.00 - 4,999.99
*
$5,000.00 - 9,999.00
$10,000.00+
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0.80%
0.90%
1.05%
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0.80%
0.90%
1.06%
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$25.00
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Youth Shares
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$5.00 - 4,999.99
*
$5,000.00 - 9,999.00
$10,000.00+
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0.80%
0.90%
1.05%
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0.80%
0.90%
1.06%
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$5.00
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Sub Shares
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$0.01 - 4,999.99
*
5,000.00 - 9,999.00
$10,000.00+
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0.80%
0.90%
1.05%
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0.80%
0.90%
1.06%
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$0.00
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Club Shares
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Vacation Club
$5,000.00 Max.
June 1 Payout
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2.50%
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2.53%
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$0.00
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Christmas Club
$5,000.00 Max.
October 1 Payout
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3.00%
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3.04%
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$0.00
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Money Market Account
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$25.00 -
$2,499.00
$2,500.00 -
$9,999.00
$10,000.00 +
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0.50%
1.75%
2.00%
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0.50%
1.76%
2.02%
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$2,500.00
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IRA Shares
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Traditional
Roth
Coverdell
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1.80%
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1.81%
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$25.00
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Checking
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Premier
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0.50%
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0.50%
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$0.00
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Liberty Gold
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0.55%
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0.55%
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$0.00
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*
Average Daily Balance
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Fees could reduce earnings
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APY is accurate as of the last dividend declaration date
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Back to Top
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Effective August
15, 2008
All Rates are Subject to Change
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Minimum Opening Balance
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Certificate Term
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Dividend
Rate
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Annual Percentage Yield
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Regular Certificates
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$250.00
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6 Months
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2.15%
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2.17%
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$500.00
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12 Months
24 Months
36 Months
48 Months
60 Months
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2.50%
2.80%
2.95%
3.00%
3.05% |
2.53%
2.84%
2.99%
3.04%
3.09%
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$10,000.00
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6 Months
12 Months
24 Months
36 Months
48Months
60 Months
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2.25%
2.60%
2.90%
3.05%
3.10%
3.15% |
2.27%
2.63%
2.94%
3.09%
3.14%
3.20% |
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$25,000.00
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6 Months
12 Months
24 Months
36 Months
48 Months
60 Months
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2.25%
2.60%
2.90%
3.05%
3.10%
3.15% |
2.27%
2.63%
2.94%
3.09%
3.14%
3.20% |
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$50,000.00
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6 Months
12 Months
24 Months
36 Months
48 Months
60 Months
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2.25%
2.60%
2.90%
3.05%
3.10%
3.15% |
2.27%
2.63%
2.94%
3.09%
3.14%
3.20% |
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IRA
Certificates
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$1,000.00
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12 Months
24 Months
36 Months
48 Months
60 Months
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2.75%
3.05%
3.20%
3.25%
3.30%
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2.78%
3.09%
3.25%
3.30%
3.35%
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The dividend rate and APY are fixed for the term of the certificate.
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Upon maturity, a certificate has a 10 day grace period during which changes can be made
without a penalty.
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A penalty may be imposed for early withdrawal, penalty may affect principal balances.
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