accounts 
certificates
loans
mortgages
Account Rates
As of July 1, 2009
Type of Account |
APR |
APY |
Individual Retirement Account (IRA) |
2.25% |
2.27% |
Share Draft (Checking) |
0.40% |
0.40% |
Accumulation (tiered
rate)
2,500 - 9,999
10,000 - 24,999
25,000 - 49,999
50,000 and over |
1.00%
1.25%
1.50%
1.75%
|
1.00%
1.26%
1.51%
1.75%
|
Christmas Club |
0.50% |
0.50% |
Shares (tiered
rate)
100 - 4,999
5,000 - 14,999
15,000 and over |
0.50%
0.75%
1.00%
|
0.50%
0.75%
1.00%
|
Certificate Rates
As of December 18, 2009
Term of Certificate |
APR |
APY |
91 Day |
1.10% |
1.10% |
6 Month |
1.45% |
1.46% |
12 Month |
1.80% |
1.80% |
12 Month Wealth Builder |
1.80% |
1.80% |
18 Month |
1.85% |
1.85% |
24 Month |
2.00% |
2.00% |
APR=Annual Percentage Rate
APY=Annual Percentage Yield
Rates subject to change at any time.
Unsecured Loans
As of March 3, 2009
Type of Loan |
Description
|
APR |
Signature Loan |
Up to 60 Months |
8.99%
18.00% |
Line of Credit Overdraft Protection |
|
16.00% |
Visa Credit Card |
No Annual Fee |
8.99%
11.99% |
Vehicle Loans
(includes Boats, Motorcycles, Trailers)
As of January 1, 2010
Model Year |
Terms
|
APR |
2010 Year Model Only*
|
72 Months
|
5.00% 8.25% |
|
Current and Prior Year ('08/'09/'10)
|
60 Months
|
3.99% 16.00%
|
|
Current and Prior Year ('08/'09/'10)
|
48 Months
|
3.99% 16.00%
|
|
Current and Prior Year ('08/'09/'10)
|
36 Months
|
3.99% 16.00%
|
|
2007 2006
|
54 Months
|
5.75% 16.00% |
|
2005 2004
|
48 Months
|
5.75% 16.00% |
|
2003 2000
|
48 Months
|
7.75% 16.00% |
|
1999 and Older
|
36 Months
|
8.50% 16.00% |
|
Travel Trailer (titled)Loan >10,000 *
|
84 Months
|
7.50% 9.00% |
|
Travel Trailer (titled)Loan >30,000 *
|
120 Months
|
8.00% 10.00% |
*Beacon score must be at least a A, B, or C rating
to receive a 72, 84 or 120 month loan.
Other Secured Loans
(includes 4-Wheelers, Tractors, Lawnmowers,
Furniture, Appliances (non-titled)
As of January 1, 2010
Description |
Terms |
APR |
New Purchase |
Up to 60 Months |
6.50% 16.00% |
Used Purchase |
Up to 60 Months |
7.00% 18.00% |
Share Secured |
|
5.00% |
Certificate Secured |
|
6.00% |
APR=Annual Percentage Rate
Rates subject to change at any time.
Rates will vary depending on individual creditworthiness
and the Credit Union's underwriting standards.
Term notes may be made at 2% above the existing certificate. Maturity of the loan will be the same as the certificate maturity.
Share term notes may not exceed 1 year.
In-House Mortgage Rates
As of January 1, 2010
Type of Mortgage |
APY |
|
Fixed-Rate Mortgages:
1st Mortgage -
2nd Mortgage -
|
7.75%
8.00%
|
|
Balloon 1st Mortgages:
5 Year Balloon -
10 Year Balloon -
|
5.75%
6.75%
|
|
Variable Mortgages:
Variable 1st Mortgage -
Variable 2nd Mortgage -
(Home Equity Prime LOC)
|
4.25% APR
4.25% APR
|
Land Only (70% - 10 Years) |
7.50% |
Single Wide with Land |
8.50% |
Mobile Home without Land |
9.50% |
|
Home Equity Fixed Rate Loans:
2nd Mortgage -
60 Months
84 Months
120
Months
180
Months
|
6.00%
6.25%
7.00%
8.00%
|
Terms for 1st and 2nd Mortgages 10 or 15 Years.
Amortization for Balloon Mortgages up to 20 Years.
Loan to Value: 80% of Appraisal.
APR=Annual Percentage Rate
Rates subject to change at any time.
|
