Rates
All rates and terms are effective as of 05/01/2012. Contact us for more information on our cash rebate on refinances good through 06/30/2012!
| Savings Accounts |
Dividend Rate |
APY |
| Primary Share |
0.15% |
0.15% |
| Christmas Club |
0.15% |
0.15% |
| Vacation Club |
0.15% |
0.15% |
| Special Club |
0.15% |
0.15% |
| Checking Account |
0.10% |
0.10% |
| Money Market |
Dividend Rate |
APY |
| $2,499.99 or less |
0.15% |
0.15% |
| $2,500 - $9,999.99 |
0.20% |
0.20% |
| $10,000 - $24,999.99 |
0.30% |
0.30% |
| $25,000 - $49,999.99 |
0.40% |
0.40% |
| $50,000 - $74,999.99 |
0.50% |
0.50% |
| $75,000 or more |
0.60% |
0.60% |
| Certificate Term |
Dividend Rate |
APY |
| 6 months |
0.25% |
0.25% |
| 12 months |
0.50% |
0.50% |
| 24 months |
0.75% |
0.75% |
| 36 months |
1.00% |
1.00% |
| 48 months |
1.24% |
1.25% |
| 60 months |
1.49% |
1.50% |
| Kids Club-9 months |
0.35% |
0.35% |
| Auto Loans |
Term |
APR |
| Auto Loans (2011 and newer) |
up to 72 months |
2.49% |
| Auto Loans (2010 and older) |
up to 60 months |
2.99% |
| Signature |
|
APR |
| Fixed |
|
10.90% |
| Line of Credit |
|
10.90% |
| Student Loans |
|
APR |
| Variable, Unsecured |
|
4.00% |
| Visa |
|
APR |
| Standard Rate |
|
10.90% |
| Share Secured |
|
APR |
| Term Share Certificates |
|
Current rate earned on Term Share Certificate being used as collateral plus 2.00% |
| ****Home Equity / Home Improvement |
Term |
APR |
| Home Improvement Secured |
60 months or less |
7.75% |
| Home Improvement Secured |
61 to 120 months |
8.75% |
| Home Improvement Unsecured ($5,000 max) |
60 months or less |
9.00% |
| Home Equity Line of Credit 80% LTV & lower |
|
4.00% variable |
| Home Equity Line of Credit 81% - 90% LTV |
|
5.25% variable |
| Closed End 80% LTV & lower |
60 months or less |
4.75% |
| Closed End 81% - 90% LTV |
60 months or less |
5.25% |
| Closed End 80% LTV & lower |
61 - 120 months |
5.75% |
| Closed End 81% - 90% LTV |
61 - 120 months |
6.25% |
| Closed End Balloon Note 80% LTV & lower |
10-20 yr. ammort. with 5 yr balloon |
4.75% |
| Closed End Balloon Note 81% - 90% LTV |
10-20 yr. ammort. with 5 yr balloon |
5.25% |
****Available to Minnesota, Arizona, Indiana, Georgia, Kansas, & Missouri Residents
APY = Annual Percentage Yield. Rates subject to change. Fees
or other conditions could reduce the earnings on the account.
