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Rates

Loans | Savings | Certificates

Rates effective as of May 1, 2010. Rates subject to change.
Loan rate, term and amount financed are determined by credit worthiness.  Final rate and term are assigned at time of application approval. 

Additional vehicle loan rate discounts are available with our Relationship Rewards or Vehicle Protection Package programs! 

 

Loans

APR* as low as

Term (mos)  
New/Used Vehicle (up to 100% Retail Value) 2006-2010 5.900 24 Calculator
New/Used Vehicle (up to 100% Retail Value) 2006-2010 5.900 36 Calculator
New/Used Vehicle (up to 100% Retail Value) 2006-2010 5.900 48 Calculator
New/Used Vehicle (up to 100% Retail Value) 2006-2010 5.900 60 Calculator
New/Used Vehicle (up to 100% Retail Value) 2006-2010 (Minimum amount financed of $15,000) 6.200 66 Calculator
New/Used Vehicle (up to 100% Retail Value) 2006-2010 (Minimum amount financed of $20,000) 6.650 72 Calculator
Used Vehicle (up to NADA Book Retail Value) 2003-2005 6.900 42 Calculator
Used Vehicle (up to NADA Book Retail Value) 2003-2005 7.150 48 Calculator
Platinum MasterCard® 8.990 N/A Calculator 
Starter MasterCard® 15.000 N/A Calculator 
Farm Equipment (90% Appraised value) 10.000 60 Calculator
FHA Title I Home Improvement (any location) Up to $7,400 6.000 60 Calculator
Insurance Policy (100% of Current Cash Value) 8.750 60 Calculator
Line of Credit (LOC) 12.000 12 Calculator
Line of Credit (LOC) 12.000 18 Calculator
Line of Credit (LOC) 12.000 24 Calculator
Line of Credit (LOC) 12.000 36 Calculator
Line of Credit (LOC) 12.000 48 Calculator
New Boat/Motorcycle/Jet Ski (up to 100% Retail Value)   (Amount financed must be at least $15,000 to exceed term) 6.250 48 Calculator
New Boat/Motorcycle/Jet Ski (up to 100% Retail Value)  (Amount financed must be at least $15,000) 6.500 60 Calculator
New RV/Camper/Travel Trailer (up to 100% Retail Value) 5.250 60 Calculator
New RV/Camper/Travel Trailer (up to 100% Retail Value) 6.500 84 Calculator
New RV/Camper/Travel Trailer (up to 100% Retail Value)  (Amount financed must be at least $30,000 to exceed term) 7.000 96 Calculator
New RV/Camper/Travel Trailer (up to 100% Retail Value)  (Amount financed must be at least $30,000) 7.250 120 Calculator
New RV/Camper/Travel Trailer (up to 100% Retail Value)  (Amount financed must be at least $30,000) 8.000 144 Calculator
Other Secured- Furniture, Major Appliances, etc. (90% of purchase price) Maximum $10,000 7.750 12 Calculator
Other Secured- Furniture, Major Appliances, etc. (90% of purchase price) Maximum $10,000 8.250 18 Calculator
Other Secured- Furniture, Major Appliances, etc. (90% of purchase price) Maximum $10,000 (Amount financed must be at least $3,000) 8.500 24 Calculator
Other Secured- Furniture, Major Appliances, etc. (90% of purchase price) Maximum $10,000 (Amount financed must be at least $4,000) 8.750 36 Calculator
Other Secured- Furniture, Major Appliances, etc. (90% of purchase price) Maximum $10,000 (Amount financed must be at least $4,000) 9.500 48 Calculator
Personal Computer (100% of purchase price) New Computers Only Maximum $4,000 7.250 12 Calculator
Personal Computer (100% of purchase price) New Computers Only Maximum $4,000 8.250 18 Calculator
Personal Computer (100% of purchase price) New Computers Only Maximum $4,000 (Amount financed must be at least $3,000) 8.500 24 Calculator
Signature 8.000 12 Calculator
Signature 10.000 18 Calculator
Signature 11.000 24 Calculator
Signature 12.000 36 Calculator
Signature 12.000 48 Calculator
Stocks/Bonds/Mutual Funds (50% of Current Value) 10.500 60 Calculator
Used Jet Ski (up to NADA Book Trade-In Value) 6.750 24 Calculator
Used Jet Ski (up to NADA Book Trade-In Value) 7.250 36 Calculator
Used RV/Camper/Travel Trailer (up to NADA Book Retail Value) 5.750 48 Calculator
Used RV/Camper/Travel Trailer (up to NADA Book Retail Value) (Amount financed must  be at least $20,000 to exceed term) 6.250 60 Calculator
Used RV/Camper/Travel Trailer (up to NADA Book Retail Value)  (Amount financed must be at least $20,000) 7.500 84 Calculator
Used RV/Camper/Travel Trailer (up to NADA Book Retail Value) (Amount financed must be at least $20,000)  8.250 96 Calculator
Used RV/Camper/Travel Trailer (up to NADA Book Retail Value) (Amount financed must be at least $20,000)  8.750 120 Calculator
Used Boat/Motorcycle (up to NADA Book Retail Value) 6.750 36 Calculator
Used Boat/Motorcycle (up to NADA Book Retail Value) 7.250 48 Calculator
Unimproved Property Loan (Vacant Land) ($10,000 - $250,000) 8.000 180 Calculator

 

*APR = Annual Percentage Rate 

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Annual Percentage Yield (APY) is accurate as of July 1, 2010 and may change after the account is opened. Dividends are based on the daily balance and paid to the account monthly. Fees or other conditions could reduce the earnings on the account. 

 

Savings Dividend Rate APY* Term
Money Market (Balance $0 - $2,499.99) 0.05 0.05 n/a
Money Market (Balance $2,500 - $9,999.99) 0.15 0.15 n/a
Money Market (Balance $10,000 - $19,999.99) 0.40 0.40 n/a
Money Market (Balance $20,000 - $79,999.99) 0.55 0.55 n/a
Money Market (Balance $80,000 - over) 0.65 0.65 n/a
       
Checking (Balance Up To $1,999.99) 0.05 0.05 n/a
Checking (Balance $2,000 - over) 0.10 0.10 n/a
       
Premium Reward Checking (Balance Up To $25,000 & Requirements Met) 2.03 2.05 n/a
Premium Reward Checking (Balance Over $25,000 & Requirements Met) 1.01 1.01 n/a
Premium Reward Checking (Entire Balance & Requirements Not Met) 0.05 0.05 n/a
       
Savings (Balance Up To $6,999.99) 0.05 0.05 n/a
Savings (Balance $7,000 - $19,999.99) 0.10 0.10 n/a
Savings (Balance $20,000 - $39,999.99) 0.20 0.20 n/a
Savings (Balance $40,000 and over) 0.30 0.30 n/a
       
Liquid Asset Account (Balance Up To $499.99)** 0.15 0.15 n/a
Liquid Asset Account (Balance $500 and over)** 1.00 1.00 n/a
       
Health Savings Account (Balance Up To $500.99) 2.00 2.02 n/a
Health Savings Account (Balance $501 -$1,000.99) 2.25 2.27 n/a
Health Savings Account (Balance $1,001 and over) 2.50 2.53 n/a
       
Vacation/Christmas Club Account 1.00 1.00 n/a
       
Traditional and Roth IRAs & Education Savings Acct 0.75 0.75 n/a

 

*APY = Annual Percentage Yield. **Variable rate account subject to change when the Federal Funds rate changes.
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APY Offered Period of July 29 - July 31, 2010 (Minimum Balance to earn APY $500 for Regular Share and IRA Certificates and $100,000 for Jumbo Share and IRA Certificates)
A penalty will be imposed for early withdrawal. We are not accepting institutional deposits at this time.

 

Certificates Dividend Rate APY* Term (mos)
Certificate & IRA Certificate Specials 0.95 0.95 9
Certificate & IRA Certificate Specials 1.25 1.26 18
Certificates & IRA Certificates 0.70 0.70 2
Certificates & IRA Certificates 0.75 0.75 3
Certificates & IRA Certificates 0.85 0.85 6
Certificates & IRA Certificates 1.05 1.06 12
Certificates & IRA Certificates 1.65 1.66 24
Certificates & IRA Certificates 2.35 2.38 36
Certificates & IRA Certificates 2.65 2.68 48
Certificates & IRA Certificates 3.00 3.04 60
Jumbo Certificates ($100,000 and up) 0.75 0.75 2
Jumbo Certificates ($100,000 and up) 0.80 0.80 3
Jumbo Certificates ($100,000 and up) 0.90 0.90 6
Jumbo Certificates ($100,000 and up) 1.10 1.11 12

 

Club 21 Certificates (ages 18-21)  have dividend rates 0.25% higher than the above published rates. Minimum opening deposit = $250.00. 
*APY = Annual Percentage Yield
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