|
Rates Last Updated:
06/30/2010
Disclaimer:
The following rates and terms are for informational purposes
only and may
not be indicative of the most current rates and
terms.
Rates may change quarterly and are
based on current earnings. The board of
directors declare dividends during the last
month of the quarter and the dividends are paid
on the last day of that quarter.
While
every attempt is made to keep
these rates updated -- they might not represent
the most current rates. Please contact your branch office
for the most
accurate and up-to-date
information.
Savings
Rates
Rates for the 2nd Quarter 2010
|
Account Type
|
Minimum Balance Requirement |
Rate |
APY |
|
Money Market Account |
$2000 - $9,999
$10,000 - $24,,999
$25,000 - $49,999
$50,000 - $99,999
OVER $100,000 |
.39%
.59%
.79%
.98%
.98% |
.40%
.60%
.80%
1.00%
1.00% |
|
Regular Shares |
$100 - $1,999
$2000 - $9,999
$10,000 - $24,999
$25,000 - $49,999
$50,000 - $99,000
Over $100,000 |
.39%
.39%
.49%
.49%
.49%
.49% |
.40%
.40%
.50%
.50%
.50%
.50% |
|
Holiday Club |
$.01 |
.39% |
.40% |
|
Vacation Club |
$.01 |
.39% |
.40% |
|
Checking |
$500.00 |
.24% |
.25% |
|
Certificates
3 month
6 month
12 month
36 month |
$1000. minimum |
.39%
.49%
.89%
1.78% |
.40%
.50%
.90%
1.80% |
Disclosures: All savings rates are
advertised as the Annual Percentage Yield (APY).
Certificate rates are "fixed" for the term of
the certificate.
Non-certificate rates are declared on the 3rd
Tuesday of the last month of the quarter and may
change from quarter to quarter.
All Loan
Rates are advertised as Annual Percentage Rate
(APR)
Unsecured (Signature) Loans
Click Here
to download the Personal Loan Rate/Worksheet
|
Tier |
FICO Score |
*Bankruptcy Risk |
Borrow Up to: |
36
months |
48
months |
60
months |
|
LL |
750+ |
Low |
$20,000 |
8% |
9% |
10% |
|
LM |
750+ |
Medium |
$20,000 |
9% |
10% |
11% |
|
ML |
621-749 |
Low |
|
MM |
621-749 |
Medium |
$7,500 - $15,000 |
11% |
12% |
13% |
|
MH |
621-749 |
High |
$5,000 - $7,500 |
14% |
15% |
16% |
|
HM |
550-620 |
Medium |
|
HH |
550-620 |
High |
$5,000 |
16% |
17% |
18% |
*Note: Bankruptcy Risk Score: This
score uses statistics to measure your risk of
filing bankruptcy in the next few years. If you
would like to guesstimate your
bankruptcy
risk, you may use the following to get an “unofficial
rough” estimate:
-
Low
Risk: Low credit card balance to
credit limit ratio: no delinquency; few
inquiries or new accounts; long, strong
credit history.
-
Medium
Risk: Average credit card balance to
credit limit ratio; minor old delinquencies;
some inquires and/or new accounts
-
High
Risk: High credit card balance to
credit limit ratio: recent delinquencies;
excessive inquiries and/or new credit
cards/loans
Automobile / Motorcycle
Click Here
to download the Secured Loan Rate/Payment
Worksheet
Note:
Your bankruptcy risk score will determine
the "normal" amount of
financing on the
vehicle as follows:
LOAN SPECIAL: Take an extra .25%
off our current Auto Loan rates
|
|
2008- 2010 |
2004- 2007 |
2000-2003 |
|
FICO Score |
750+ |
621-749 |
550-620 |
750+ |
621-749 |
550-620 |
750+ |
621-749 |
550-620 |
|
1 - 36
months |
4.00% |
4.25% |
4.50% |
5.25% |
5.50% |
5.75% |
6.25% |
6.50% |
6.75% |
|
37 - 48
months |
4.50% |
4.75% |
5.00% |
5.50% |
5.75% |
6.00% |
6.50% |
6.75% |
7.00% |
|
49 - 60
months |
5.00% |
5.25% |
5.50% |
6.00% |
6.25% |
6.50% |
|
|
|
|
72 months (+$20k) |
5.50% |
5.75% |
6.00% |
|
|
|
|
|
|
Boat/RV - Loan Rates
Click Here
to download the Secured Loan Rate/Payment
Worksheet
Boat/RV
|
Amount
|
2009-2010 |
2008 or Older |
|
FICO Score |
|
750+ |
621-749 |
550-620 |
750+ |
621-749 |
550-620 |
|
1 – 60 months |
Under $15K
|
6.50% |
6.75% |
7.00% |
7.25% |
7.50% |
7.75% |
|
61 – 84 months |
Over $15K
|
7.25% |
7.50% |
7.75% |
8.00% |
8.25% |
8.50% |
|
85 - 120 months |
Over $15K |
7.75% |
8.00% |
8.25% |
|
|
|
Mortgage
|
