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Rates
Consumer loan interest rates are disclosed
as ranges. Your final rate is based on your application and credit
history. Call for more rates and details. |
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| Loan Rates - effective March 19, 2013 | |||
| Loan | Rate Range - APR | Collateral | |
| New Security | 3.90% - 7.15% |
2009 or newer | |
| Used Security | 4.4% - 7.15% |
2008 and older | |
| Share Secured | 3.25% - 6.00% |
Share Savings | |
| Unsecured | 6.40%-13.40% |
Signature | |
| Real Estate | 5.50% - 9.00% |
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| Mobile Homes | 7.00% |
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| Business - Agriculture | 4.90% - 7.90% |
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| Personal Line of Credit | 5.50% |
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| Overdraft Protection | 10.25% |
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| Share Savings Accounts Rates and Terms - Projected Dividend Second Quarter 2013 | ||||
| Account | Rate | APY | Minimum Balance | |
| Regular Share Savings (S1) | 0.05% |
0.05% |
$5.00 | |
| Critter Club (S4) | 0.05% |
0.05% |
$5.00 | |
| Christmas Club (S5) | 0.05% |
0.05% |
$5.00 | |
| Teen Club (S13) | 0.05% |
0.05% |
$5.00 | |
| IRA's | 0.50% |
0.50% |
$5.00 | |
| Share Draft (S90) | 0.00% |
0.00% |
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| Business Share Draft (S91) - Tier 3 | 0.00% |
0.00% |
$500 - $5,000 | |
| Business Share Draft (S91) - Tier 2 | 0.00% |
0.00% |
$5,001 - $25,000 | |
| Business Share Draft (S91) - Tier 1 | 0.00% |
0.00% |
Over $25,000 | |
| Members Only Share Draft (S93) - Tier 3 | 0.00% |
0.00% |
$2,500 - $25,000 | |
| Members Only Share Draft (S93) - Tier 2 | 0.00% |
0.00% |
$25,001 - $50,000 | |
| Members Only Share Draft (S93) - Tier 1 | 0.00% |
0.00% |
Over $50,000 | |
| Money Market Share Draft (S94) | 0.15% |
0.15% |
Maximum of 6 debits per month | |
| Super Share Savings (S2) Tier 3 | 0.05% |
0.05% |
$5,000-$24,999 | |
| Super Share Savings (S2) -Tier 2 | 0.15% |
0.15% |
$25,000-$74,999 | |
| Super Share Savings (S2) Tier 1 | 0.25% |
0.25% |
$75,000 & Over | |
| Certificates of Deposit - effective thru March 19, 2013 | ||||
| Term | Rate | APY | Minimum Balance | |
| 3 Months (I3) | 0.05% |
0.05% |
$500 | |
| 6 Months (I6) | 0.15% |
0.15% |
$500 | |
| 12 Months (I12) | 0.35% |
0.35% |
$500 | |
| 18 Month (I18) | 0.50% |
0.50% |
$500 | |
| 24 Month (I24) | .75% |
.75% |
$500 | |
| 30 Months (I30) | .90% |
.90% |
$500 | |
| 36 Months (I36) | .90% |
.90% |
$500 | |
| 48 Months (I48) | 1.10% |
1.10% |
$500 | |
| 60 Months (I60) | 1.25% |
1.25% |
$500 | |
| 9 Months (I9) | NA |
NA |
NA | |
| 15 Months (I15) | NA |
NA |
NA | |
| 23 Months (I23) | NA |
NA |
NA | |
| IRA Certificates - effective thru March 19, 2013 | ||||
| Term | Rate | APY | Minimum Balance | |
| 18 Months (I81) | 0.70% |
0.70% |
$500 | |
| 36 Months (I83) | 1.00% |
1.00% |
$500 | |
| 60 Months (I85) | 1.35% |
1.35% |
$500 | |
| Teen Add-On Certificates - effective thru March 19, 2013 | ||||
| Term | Rate | APY | Minimum Balance | |
| 11 Months (I11) | 0.40%
|
0.40%
|
$100 | |
| 29 Months (I29) | 1.00%
|
1.00%
|
$100 | |