|
| NEW AUTO LOANS
Eff: 1/1/12 - 3/30/12 |
|
Term
|
Rate
|
APR*
|
|
SPECIAL: 2 & 3 Years
|
2.95%
|
2.95%
|
|
SPECIAL: 4 Year
|
2.95%
|
2.95%
|
|
SPECIAL: 5 Year
|
2.95%
|
2.95%
|
|
6 year ¹
|
3.25%
|
3.25%
|
|
7 year ¹
|
3.50%
|
3.50%
|
| USED AUTO LOANS
Eff: 1/1/12-3/30/12 |
|
Term
|
Rate
|
APR*
|
|
SPECIAL: 2 & 3 Years
|
2.95%
|
2.95%
|
|
SPECIAL: 4 Year
|
2.95%
|
2.95%
|
|
SPECIAL: 5 Year
|
2.95%
|
2.95%
|
|
* APR = Annual Percentage Rate, ¹ 6 and 7 year New Car loan rates: Minimum $20,000
100% Kelley Bluebook retail price, No down payment - 100% Financing
|
| MOTORCYCLE LOANS
|
|
Type
|
Rate
|
APR*
|
|
New
|
7.50%
|
7.50%
|
|
Used
|
8.00%
|
8.00%
|
|
* APR = Annual Percentage Rate
|
Auto Loans | Loans | Shares | Certificates | IRAs | Top
| UNSECURED & SECURED LOANS |
|
| UNSECURED LOANS
|
|
Loan Type
|
Maximum Term
|
Rate
|
APR*
|
|
Signature Loan*
|
2 year
|
8.25%
|
8.25%
|
|
Signature Loan*
|
3 year
|
9.00%
|
9.00%
|
|
Signature Loan*
|
4 year
|
10.50%
|
10.50%
|
|
Signature Loan*
|
5 year
|
11.50%
|
11.50%
|
| BIll Consolidation Loan |
1 year
|
5.00%
|
5.00%
|
| BIll Consolidation Loan |
2 year
|
5.50%
|
5.50%
|
| BIll Consolidation Loan |
3 year
|
6.00% |
6.00% |
| BIll Consolidation Loan |
4 year
|
6.50%
|
6.50%
|
|
Tuition Loan*¹
|
1 year
|
4.75%
|
4.75%
|
|
Tuition Loan*¹
|
2 year
|
5.25%
|
5.25%
|
|
Tuition Loan*¹
|
3 year
|
6.00%
|
6.00%
|
|
New Year Loan*4
|
1 year
|
4.99%
|
4.99%
|
|
Line of Credit OD*³
|
n/a
|
12.00%
|
12.00%
|
|
Home Equity Line of Credit*
|
1 year fixed
|
5.50%
|
5.50%
|
|
* APR = Annual Percentage Rate, ¹ Tuition Loans Maximum $30,000, ² Consolidation Loans Maximum $20,000, ³ Line of Credit OD Maximum $10,000, 4 New Year Loans Minimum $2,000 Maximum $20,000
|
| SECURED LOANS
|
| Loan Type |
Maximum Term |
Rate |
APR* |
|
Share Secured
|
2 year
|
3.75%
|
3.75%
|
|
Share Secured
|
3 year
|
4.25%
|
4.25%
|
|
Share Secured
|
5 year
|
4.75%
|
4.75%
|
|
* APR = Annual Percentage Rate
|
| VISA CREDIT CARDS |
| Card Type |
Maximum Credit Limit |
Rate |
APR* |
|
Platinum ¹
|
$5,000 - $10,000
|
8.50%
|
8.50%
|
|
Classic ¹
|
$10,000
|
9.50%
|
9.50%
|
|
* APR = Annual Percentage Rate, ¹ No Annual Fee
|
Auto Loans | Loans | Shares | Certificates | IRAs | Top
| SHARE RATES RATES EFF: 1/1/12 |
|
|
| SAVINGS & CHECKING |
| Account Type |
Dividend Rate |
APY* |
|
Share
|
0.40%
|
0.40%
|
|
Christmas
|
0.40%
|
0.40%
|
|
Share Draft
|
0.10%
|
0.10%
|
|
Custodial
|
0.50%
|
0.50%
|
|
* APY = Annual Percentage Yield Fees may reduce earnings.
|
Auto Loans | Loans | Shares | Certificates | IRAs | Top
|
|
| SHARE CERTIFICATE RATES RATES EFF: 1/30/11 |
|
|
SHARE CERTIFICATES
| Penalty incurred for early withdrawal |
|
|
Term
|
Minimum Deposit
|
Dividend Rate
|
APY*
|
|
SPECIAL: 11 MONTH
|
$1,000.00
|
0.40%
|
0.40%
|
|
1 year
|
$1,000.00
|
0.50%
|
0.50%
|
|
2 year
|
$1,000.00
|
0.75%
|
0.75%
|
|
* APY = Annual Percentage Yield. Dividends on certificates are posted quarterly to your regular share account. Fees may reduce earnings. (Rates subject to change without notice)
|
Auto Loans | Loans | Shares | Certificates | IRAs | Top
|
|
| IRA RATES |
|
IRAs: TRADITIONAL, ROTH & EDUCATION
| Penalty incurred for early withdrawal |
|
|
Term
|
Dividend Rate
|
APY*
|
|
Roth IRA
|
2.00%
|
2.02%
|
|
* APY = Annual Percentage Yield
|
Auto Loans | Loans | Shares | Certificates | IRAs | Top
|
|
|
