|
Rates in effect on May 14, 2008. Rates may change without notice. |
|
| Savings & Checking Rates |
RATE |
APY |
|
Share Savings, Christmas Club & Summer Pay
Accounts |
| Savings $0-$2499 balance |
1.00% |
1.01% |
| Savings $2,500 - $24,999 balance |
1.50% |
1.51% |
| Savings $25,000 - $49,999 balance |
1.75% |
1.76%
|
| Savings $50,000+ balance |
2.00%
|
2.02% |
| Share Draft Checking* |
1.00% |
1.01% |
|
School Employees Level Pay Account** |
4.89% |
5.00% |
*$100 minimum daily balance required to earn disclosed APY for Share Draft Checking.
**Open June 1 to October 31. Early withdrawal penalties apply. |
| |
|
Share Certificate Rates |
RATE |
APY |
Share Certificate - Minimum $1,000 deposit
|
| Certificate 6 months |
1.98% |
2.00% |
| Certificate 15 months |
2.23% |
2.25% |
| Certificate 1 year |
2.23% |
2.25% |
| Certificate 18 months |
2.23% |
2.25% |
| Certificate 2 years |
2.47% |
2.50% |
| Certificate 3 years |
2.47% |
2.50% |
| Certificate 4 years |
2.47% |
2.50% |
| Certificate 5 years |
2.96% |
3.00% |
Building Block Certificate - Minimum $250 deposit. Add deposits of $25+
|
| Building Block 1 year certificate |
1.98% |
2.00% |
*Annual Percentage Rates (APR) and **Annual Percentage Yields
(APY)
are accurate as of the date indicated. Dividends are compounded
monthly. The APY is based on the assumption that dividends remain on
deposit within the account during the dividend period. Early
withdrawals will reduce earnings. Early withdrawal penalties apply.
|
| Retirement Rates |
RATE |
APY |
Share Savings IRA, Deferred Compensation, SEP Plan
|
| Traditional, Roth, SEP IRAs |
1.50% |
1.51% |
Deferred Compensation
|
1.50% |
1.51% |
Certificate IRA, Deferred Compensation, SEP Plan $500 minimum
|
| IRA Certificate 1 year |
2.96% |
3.00% |
| IRA Certificate 2 year |
2.96% |
3.00% |
| IRA Certificate 3 year |
3.20% |
3.25% |
| IRA Certificate 4 year |
3.20% |
3.25% |
| IRA Certificate 5 year |
3.69% |
3.75% |
Annual Percentage Rates (APR) and Annual Percentage Yields are accurate as of the date indicated. Dividends are compounded
monthly. The APY is based on the assumption that dividends remain on deposit within the account during the dividend period. Early
withdrawals will reduce earnings. Early withdrawal penalties apply.
|
| Consumer Loan Rates |
APR |
|
| Overdraft Protection |
16.00% |
|
| Signature loan, closed end |
10.00%-16.00% |
|
| Signature loan, line of credit |
10.00%-16.00% |
|
| Computer loan |
8.50% |
|
| Youth Agricultural
Project (animal purchase) |
5.00% |
|
| Share Savings Secured |
savings rate+3% |
| Share Draft Secured Line of Credit |
checking rate+3% |
|
| Share Certificate Secured |
certificate rate+3% |
|
Loan rates are
accurate as of the date indicated and may change without notice.
When a range of rates is indicated, rates and terms are based on
borrower's earned rate lending score. All loans are subject to credit
approval. |
| Vehicle Rates |
APR |
|
| New Vehicle |
3.95% - 13.25%
|
|
Nearly New Vehicle
(12,000 miles or less) |
3.95% - 13.25% |
|
| Used Vehicle |
3.95% - 13.25%
|
|
Recreational Vehicles
Includes motorcycles, boats, motor homes, personal watercraft |
| New RV 60 month term |
6.75% - 16.00%
|
|
| New RV 84 month term |
7.75% - 16.00%
|
|
| New RV 120 month term |
8.75% - 16.50%
|
|
| Used RV 60 month term |
7.75% - 16.50%
|
|
| Used RV 84 month term |
8.75% - 16.50% |
|
| Used RV 120 month term |
9.25% - 17.00% |
|
Specialized Mobility
Vehicles
Vehicles adapted for specialized equipment: wheel chairs,
scooter lifts, lowered floor conversions, power doors, remote
control doors to accommodate individual physical needs.) |
| New SMV 60 - 120 month term |
5.95% - 16.25% |
|
| Used SMV 84 - 120 month term* |
5.95% - 16.25% |
|
| *Maximum
term 84 months for vehicles 6 or more years old. |
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