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Savings & Checking Rates 01/01/08 – 03/31/08
Type of Account
| Minimum Deposit |
Rate
|
APY*
| Regular Share Savings | $25.00 | 1.00% | 1.00% | 1st Kids Club | $25.00 | 1.00% | 1.00% | Special Savings | - | 1.00% | 1.00% | Christmas Club | - | 1.25% | 1.26% | Special Checking | - | 0.50% | 0.50% | Golden Circle Checking | - | 0.50% | 0.50% | Individual Retirement Account | $50.00 | 1.50% | 1.51% | Super Saver** | $2,500 | 1.50% | 1.51% |
Share Certificates and IRA Certficates as of 07/22/08
|
Type of Account
|
Minimum Deposit
|
Rate
|
APY1
|
|
6 Month Share Certificate
|
$1,000
|
3.060%
|
3.10%
|
|
12 Month Share Certificate
|
$1,000
|
2.750%
|
2.78%
|
|
18 Month Rate Climber Share Certificate2
|
$1,000
|
2.860%
|
2.90%
|
|
18 Month Share Certificate
|
$1,000
|
2.960%
|
3.00%
|
|
24 Month Share Certificate
|
$1,000
|
3.060%
|
3.10%
|
|
36 Month Share Certificate
|
$1,000
|
3.160%
|
3.20%
|
| 13 Month Special |
$1,000
|
3.500%
|
3.55%
|
|
6 Month IRA-Certificate
|
$1,000
|
3.060%
|
3.09%
|
|
12 Month IRA-Certificate
|
$1,000
|
2.750%
|
2.78%
|
|
18 Month IRA-Certificate
|
$1,000
|
3.960%
|
2.99%
|
|
24 Month IRA-Certificate
|
$1,000
|
3.060%
|
3.09%
|
|
36 Month IRA-Certificate
|
$1,000
|
3.160%
|
3.20%
|
1 Annual Percentage Yield (APY) is based on monthly compounding for regular share certificates. Other types of interest payments are available on these certificates. The APY for IRA certificates is based on quarterly compounding.
2 The Rate Climber Share Certificate allows for one dividend adjustment during the term of the certificate.
All rates are subject to change. The above regular share savings, 1st Kids Club, Christmas club, and checking account dividend rates are those paid to our members for the quarter indicated. Dividends are declared quarterly by the Board of Directors. The Super Saver dividend rate is subject to change monthly. Share certificate and IRA dividend rates are subject to change weekly.
Annual Percentage Yield (APY) is based on quarterly compounding
**Super Saver APY is based on monthly compounding.
Loans as of 06/13/08
|
Consumer Fixed Rate Loans
|
APR*
|
| New & Used Autos up to 36 months |
4.50%
|
|
New Autos (2006 - 2008) and other collateral up to 60 months
|
4.74%
|
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New Autos (2006 - 2008) and other collateral 66 months1
|
4.74%
|
|
New Autos (2006 - 2008) and other collateral 72 months
|
4.99%
|
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Used Autos (2005 and older) and other collateral up to 60 months
|
4.99%
|
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Used Autos (2005 and older) and other collateral 66 months1
|
5.99%
|
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Used Autos (2005 and older) and other collateral 72 months
|
6.99%
|
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First Mortgage (purchase and equity)
|
5.50%
|
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Home Equity (2nd Mortgage)
|
6.50%
|
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Mobile Homes with real property
|
7.75%
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Mobile Homes without real property
|
13.90%
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Unimproved Property
|
6.90%
|
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Signature Loan
|
11.50%
|
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Consumer Variable Rate Loans
|
APR*
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Signature Line of Credit
|
11.50%
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Home Equity Line of Credit
|
Call
|
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Share Secured Loan
|
2.5 percentage points above base share rate
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Certificate Secured Loan
|
2.5 percentage points above base certificate rate
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APR*
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VISA Credit Card
|
9.90%
|
* Annual Percentage Rate.
1 Restrictions apply. Contact loan services for details.
Other rates and terms are available based on the amount of the loan and credit history. Credit subject to approval. Terms, conditions, and loan amounts are at the discretion of the credit union's loan officer. Longer terms may be available for luxury RVs. Contact loan services for complete details on all loans.
All rates are subject to change without notice. For our VISA credit card, notice will be given 15 days before the effective rate change.
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