Our Rates

August 01, 2010 Deposit & Loan Rates
 
Savings | Certificates | Individual Retirement Accounts (IRA) | Loans
Savings Rate APY Remarks
Regular Savings .10% .10% Minimum $5.00
Average Daily Balance
Compounded Quarterly
Special Savings .10% .10% Minimum $5.00
Average Daily Balance
Compounded Quarterly
Christmas Club .10% .10% Minimum $5.00
Average Daily Balance
Compounded Quarterly
Free Checking     No Dividend
Money Market .25%
.50%
.75%		 .25%
.50%
.75%		 Balance 0-$5000
Balance $5000.01-10,000
Balance over 10,000.01
Average Daily Balance
Compound Monthly
       
Savings | Certificates | Individual Retirement Accounts (IRA) | Loans
Certificates
6 Month Certificate .60% .60% Minimum $500.00
Credit Monthly
Compound Daily
1 Year Certificate .80% .80% Minimum $500
Credit at Maturity
Compound Daily
2 Year Certificate 1.25% 1.26% Minimum $500
Credit Quarterly
Compound Daily
3 Year Certificate 1.75% 1.77% Minimum $500
Credit Quarterly
Compound Daily
Penalty for early withdrawal on certificates and IRA certificates.
       
Savings | Certificates | Individual Retirement Accounts ( IRA ) | Loans
Individual Retirement Accounts (IRA)
IRA Share .10% .10% Minimum $5.00
Average Daily Balance
Compound Quarterly

1 Year Certificate

.80%

.80%

Minimum $500
Credit Quarterly
Compound Daily

2 Year Certificate

1.25%

1.26%

Minimum $500
Credit Quarterly
Compound Daily

3 Year Certificate

1.75%

1.77%

Minimum $500
Credit Quarterly
Compound Daily
       

Penalty for early withdrawal on certificates and IRA certificates.
       
Savings | Certificates | Individual Retirement Accounts (IRA) | Loans
L O A N S
Loan
Type		 Max.
Amount		 Max.
Terms		 Finance Limits APR
Monthly
Payment		 APR
Payroll
Payment
New/Used Mobile Home
Apply Now!		 Inquire at Loan Center
VISA
Apply Now!		 For more information, or to apply, click here.
Share Secured
Apply Now!		 10 yrs. All 3 pts.+ Share
Student Loans Stafford & PLUS Loans Available.
Inquire at Loan Center
Home Equity
Apply Now!		 $5,000 - 
$150,000
Line of Credit		 15 yrs. up to 80% of appraisal less 1st. mortgage Var. Rate
For Life of Loan
$5,000 - $150,000
Fixed		 5yrs. 5.25%
#Fixed
10 yrs. 5.75%
#Fixed
15 yrs. 6.25%
#Fixed

# Rate beginning as low as posted - based on credit qualifications.
#New Auto
2010 &
Newer
Apply Now!		   6 Years* 100%
Plus Tax

3.49%**

A 2009 with no previous owner may be considered NEW.
*Terms greater than 5 years require vehicle value of $15,000
#Rate beginning as low as posted - based on credit qualification.
**Rate includes a .25% discount for automatic payment.
#Used Auto
2009, 2008
Apply Now!		 5 Years Up to
100%
NADA
Value + Tax		     4.49%**
#Used Auto
2007, 2006
Apply Now!		 *4 Years Up to
100%
NADA
Value + Tax		     4.74%**
#Used Auto
2005 & Older
Apply Now!		 *3 Years Up to
100%
NADA
Value + Tax		     4.99%**

*Allow one additional year when NADA value is greater that $10,000.
#Rate beginning as low as posted - based on credit qualification.
** Rate includes a .25% discount for automatic payment.
#New RV
Apply Now!		 Up to 10 Yrs.* Up to 100% List Price 5.50%**
#Used RV
Apply Now!		 Up to 10 Yrs.* Up to 90% List Price 6.00%**
* Loan amount less than $10,000 - 7 yr. Maximum term
*Loan amount $10,000 & over - 10 yr. Maximum term.
#Rate beginning as low as posted - based on credit qualification.
**Rate includes a .25% discount for automatic payment.
For terms 5 years or less - refer to auto guidelines (This applies to Titled Vehicles Only)
#Personal
Apply Now!		 $5,000 5 Years Per Member 8.99%**
#Vacation
Apply Now!		 $5,000 4 Years Per Member 5.90%**
Open End
Apply Now!		 $3,000 Revolv. Part of P/L 11.50%
Overdraft
Apply Now!		 $1,000 Revolv. Part of P/L 15.00%
Home
Imprv.
Apply Now!		 $10,000 7 Yrs. Per Household 10.99%

#Rate beginning as low as posted - based on credit qualification.
** Rate includes a .25% discount for automatic payment.
First Mortgage - Please call for details and rates.
Rates are subject to change without notice.
Savings | Certificates | Individual Retirement Accounts (IRA) | Loans