CURRENT RATES / RATE AND FEE SCHEDULE
LOAN RATES
SHARE RATES [Rate Sheet
Effective Date: 03/24/2014]
LOAN RATES: AUTO, TRUCK, VAN, SUV
Loan Special |
Term
|
APR
|
Minimum Finance
|
Up to 60 mo
|
as low as 2.99%
|
|
|
|
|
|
|
|
New—up to 115% of dealer invoice, 2014, 2013, 2012 with <25,000 miles
Used—up to 115% of NADA average retail 2010-2002 model years
old, max term: 60 mos
6-7 model years old, NADA average retail, max term: 48 mos
8-10 model years old, NADA average retail, add 1% to APR,
max term 36 mos
LOAN RATES: RV/Boat |
Term
|
APR
|
Minimum
Finance
|
Up to 60 mo
|
as low as 2.99%
|
|
Up to 72 mo
|
as low as 3.99%
|
$20,000
|
Up to 120 mo
|
as low as 4.99%
|
$25,000
|
New – up to 115% of dealer invoice 2014, 2013, 2012
Used – age 2010, 2009, 2009 maximum term 48-60
months-average retail
Used – age 2003 or older- maximum term 36-48 months, average retail.
LOAN RATES: Signature |
Rate
|
Term
|
as low as 13.50%
|
Up to 36 months
|
LOAN RATES: Line of Credit (Checking) |
Payment
|
APR
|
Other
Info
|
$25 up to $75
|
18.00%
|
Up to $1,000
|
LOAN RATES:
Share Secured |
Rate |
Term |
as
low as 2.50% |
Up to 36 months |
as
low as 3.00% |
Up to 60 months |
LOAN RATES: CD Secured |
Rate |
Term |
3.00% above current
rate* |
Not to exceed remaining
term of C.D. |
*Loan rate *Loan *rate does not change upon CD rollover.
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LOAN RATES: Motorcycle |
APR |
Term |
as low as
2.99% |
Up to 60 months |
LOAN RATES: Mortgage |
APR |
Term |
as low as 5.00% |
Up to 120 months |
Loan to Value: 70%-80% of selling price.
1% Origination Fee.
5% Required "Down.
LOAN RATES: Lots |
APR |
Term |
as low as
5.00% |
Up to 60 months |
LOAN RATES: Debt Reconstruction* |
Terms |
APR |
Other Info |
Up to 36 months |
as low as 13.5% |
100% Collateralized |
*Counseling/Budgeting Required
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SHARE RATES [Your deposits are federally insured to $250,000.]
Primary Share |
Share Balance |
Rate |
Dividend Method |
Dividend Term |
APY |
Min. Bal. |
$500 to $250,000 |
.15% |
Average Daily |
Semi-Annual |
.15% |
$500 |
IRA |
Share Balance |
Rate |
Dividend Method |
Dividend Term |
APY |
Min. Bal. |
$25 to $250,000 |
.45% |
Average Daily |
Semi-Annual |
.45% |
$25 |
HOLIDAY |
Share Balance |
Rate |
Dividend Method |
Dividend Term |
APY |
Minimum Deposit |
Max. Account Balance |
Disbursement |
$100-$5000 |
0.45% |
Average Daily |
Quarterly |
0.45% |
$100 |
$5000 |
Annual: 2nd week in
November |
Dividend Term: Quarterly
CERTIFICATES OF DEPOSIT (CDs) |
Term |
Rate |
Dividend Term |
APY |
Min. Dep. |
Account Info. |
6 months |
0.25% |
every 3 months |
0.25% |
$1,000 |
early withdrawal
penalties apply |
12 months |
0.50% |
every 3 months |
0.50% |
$1,000 |
early withdrawal
penalties apply |
Current
C.D. Special Available: Check with Credit Union
for details. |
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