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Savings & Checking Rates - Previous Quarter
Type of Account
| Minimum Deposit |
Rate
|
APY*
| Regular Share Savings | $25.00 | .30% | .30% | 1st Kids Club | $25.00 | .30% | .30% | Special Savings | - | .30% | .30% | Christmas Club | - | .40% | .40% | Special Checking | - | .15% | .15% | Golden Circle Checking | - | .15% | .15% | | Student Advantage Checking | - | .15% | .15% | Individual Retirement Account | $50.00 | .40% | .40% | Super Saver**
$0.00 - $2,499.99
$2,500.00 - $9,999.99
$10,000.00 - 24,999.99
$25,000.00 - $99.999.99
$100,000.00 and over
| | .10%
.30%
.30%
.40%
.50%
| .10%
.30%
.30%
.40%
.50%
|
Share Certificates and IRA Certificates as of 10/26/2011
|
Type of Account
|
Minimum Deposit
|
APY1
|
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6 Month Share Certificate
|
$1,000
|
.35%
|
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12 Month Share Certificate
|
$1,000
|
.50%
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18 Month Rate Climber Share Certificate2
|
$1,000
|
.55%
|
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18 Month Share Certificate
|
$1,000
|
.60%
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24 Month Share Certificate
|
$1,000
|
.75%
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36 Month Share Certificate
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$1,000
|
1.00%
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6 Month IRA-Certificate
|
$1,000
|
.35%
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12 Month IRA-Certificate
|
$1,000
|
.50%
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18 Month IRA-Certificate
|
$1,000
|
.60%
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24 Month IRA-Certificate
|
$1,000
|
.75%
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36 Month IRA-Certificate
|
$1,000
|
1.00%
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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 08/16/2011
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Consumer Fixed Rate Loans
|
APR*
|
| New Autos (2007 - 2012) and other collateral up to 36 months |
2.24%
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New Autos (2007 - 2012) and other collateral up to 60 months
|
2.49%
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New Autos (2007 - 2012) and other collateral 66 months1
|
3.29%
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New Autos (2007 - 2012) and other collateral 72 months
|
4.29%
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| New Luxury RVs, Boats up to 84 months |
4.70%
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| New Luxury RVs, Boats up to 120 months |
5.70%
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| Used Autos, RV, Boats, Farm Equip (2003 - 2006) up to 36 months |
3.74%
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| Used Autos, RV, Boats, Farm Equip (2003 - 2006) up to 60 months |
4.95%
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Used Autos RV, Boats, Farm Equip (2003 - 2006) 66 months1
|
5.00%
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| Used Autos, RV, Boats, Farm Equip (2003 - 2006) up to 72 months |
5.25%
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| Used Luxury RV and Boat rates are available upto 120 months. |
Call
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| Used Autos ( 2002 and Older) and other collateral up to 60 months1 |
5.25%
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First Mortgage (purchase and equity) - up to 15 years
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Click Here
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| First Mortgage (purchase and equity) - up to 30 years |
Click Here
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Home Equity (2nd Mortgage)
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Click Here
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Mobile Homes with real property - up to 15 years
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Click Here
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Unimproved Property
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Click Here
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| Home Equity Line of Credit |
Click Here
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| Signature Loan |
11.50%
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(Click Here for Important Information about how to obtain these low rates)
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Consumer Variable Rate Loans
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APR*
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Line of Credit
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11.50%
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Share Secured Loan
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2.5 percentage points above base share rate
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Certificate Secured Loan
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2.5 percentage points above base certificate rate
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APR*
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VISA Credit Card
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9.90%
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* 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 45 days before the effective rate change.
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