Rates
Rates effective as of October 11, 2011. Rates subject to change without notice.
Share Savings
| Balance |
Dividend Rate |
APY* |
| $25 – $999 |
0.49% |
0.49% |
| $1,000 – $2,499 |
0.49% |
0.49% |
| $2,500 – $4,999 |
0.49% |
0.49% |
| $5,000 – $7,499 |
0.49% |
0.49% |
| $7,500 – $9,999 |
0.49% |
0.49% |
| $10,000 and over |
0.49% |
0.49% |
*APY = Annual Percentage Yield.
Line of Credit
10.75% to members in good standing with a risk score of 700 or more. Must have excellent credit.
Maximum amount of $7000 with a maximum term of three years.
Signature Loans
10.75% with a $5,000 maximum, calculated on 10% gross income. 2 year term for up to $2,500. 3 year term for > $2,500
Pledged Share Loans
Interest calculated at 3% above declared dividend rate.
Shared Certificate
$1,000 minimum for 12 months at 1.10% (1.105% APY*)
Loans
Rates are subject to credit approval.
New Cars (2010
and 2011 with 15,000 Miles or Less)
| Term |
Rate |
| 2 – 5 years |
2.99% |
| 6 – 7 years
<$25,000 |
6.50% |
Used Cars (2002
through 2011 Models; 2011 with >15,000 Miles)
| Year |
5 Yr. Term |
4 Yr. Term |
3 Yr. Term |
2 Yr. Term |
| 2010 > 15,000 MI |
5.99% |
4.00% |
4.00% |
4.00% |
| 2006 – 2009 |
N/A |
6.24% |
6.24% |
6.24% |
| 2004 and 2005 |
N/A |
N/A |
6.24% |
6.24% |
| 2002 and 2003 |
N/A |
N/A |
N/A |
7.24% |
Boats, Trailers & Recreational Vehicles (2001 And Newer)
| Term |
Rate |
| 2 years |
5.00% |
| 3 years |
5.25% |
| 4
years |
5.50% |
| 5
years |
5.75% |
| 6
years |
6.00% |
| 7-10
years |
7.00% |
| LOC/SIGNATURE: |
10.75% To Members in good standings with a risk score of 700 or more. Must have excellent credit - maximum amt $7,000 with a maximum term of three years
|
| SIGNATURE LOAN: |
10.75% With a $5,000 Maximum, calculated on 10% gross income - 2 Yr term for up to $2,500 - 3 Yr term for
> $2,500
|
| PLEDGED SHARE LOAN: |
Interest calcuated at 3% above declared dividend rate
|
*We match any rate on approved credit*
FICO score of 750 or above
|
Loan Application
