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Loans | Savings | Certificates
Rates effective as of July 1, 2008. 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* Rate as low as
|
|
Term (mos) |
|
| New/Used Vehicle (up to 100% Retail Value) 2004-2009 |
5.900 |
|
24 |
Calculator |
| New/Used Vehicle (up to 100% Retail Value) 2004-2009 |
5.900 |
|
36 |
Calculator |
| New/Used Vehicle (up to 100% Retail Value) 2004-2009 |
5.900 |
|
48 |
Calculator |
| New/Used Vehicle (up to 100% Retail Value) 2004-2009 |
5.900 |
|
60 |
Calculator |
| New/Used Vehicle (up to 100% Retail Value) 2004-2009 (Minimum amount financed of $15,000) |
6.200 |
|
66 |
Calculator |
| New/Used Vehicle (up to 100% Retail Value) 2004-2009 (Minimum amount financed of $20,000) |
6.650 |
|
72 |
Calculator |
| Used Vehicle (up to NADA Book Retail Value) 2001-2003 |
6.900 |
|
42 |
Calculator |
| Used Vehicle (up to NADA Book Retail Value) 2001-2003 |
7.150 |
|
48 |
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 |
| Home Equity (Texas only) 80% Appraised Value $5,000-$10,000 |
5.250 |
|
60 |
Calculator |
| Home Equity (Texas only) 80% Appraised Value $10,001-$20,000 |
6.000 |
|
144 |
Calculator |
| Home Equity (Texas only) 80% Appraised Value $20,001-$100,000 |
6.500 |
|
180 |
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 |
8.500 |
|
24 |
Calculator |
| Other Secured- Furniture, Major Appliances, etc. (90% of purchase price) Maximum $10,000 |
8.750 |
|
36 |
Calculator |
| Other Secured- Furniture, Major Appliances, etc. (90% of purchase price) Maximum $10,000 |
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 |
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 |
| APY is accurate as of November 1, 2008 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) |
0.150 |
0.150 |
n/a |
| Money Market (Balance $2,500 - $9,999.99) |
1.500 |
1.510 |
n/a |
| Money Market (Balance $10,000 - $19,999.99) |
1.650 |
1.660 |
n/a |
| Money Market (Balance $20,000 - $79,999.99) |
1.750 |
1.760 |
n/a |
| Money Market (Balance $80,000 - over) |
2.000 |
2.020 |
n/a |
| |
|
|
|
| Checking (Balance Up To $1,999.99) |
0.050 |
0.050 |
n/a |
| Checking (Balance $2,000 - over) |
0.150 |
0.150 |
n/a |
| |
|
|
|
| Premium Reward Checking (Balance Up To $25,000 & Requirements Met) |
3.940 |
4.010 |
n/a |
| Premium Reward Checking (Balance Over $25,000 & Requirements Met) |
1.010 |
1.010 |
n/a |
| Premium Reward Checking (Entire Balance & Requirements Not Met) |
0.050 |
0.050 |
n/a |
| |
|
|
|
| Savings (Balance Up To $6,999.99) |
0.150 |
0.150 |
n/a |
| Savings (Balance $7,000 - $19,999.99) |
0.300 |
0.300 |
n/a |
| Savings (Balance $20,000 - $39,999.99) |
0.400 |
0.400 |
n/a |
| Savings (Balance $40,000 and over) |
0.500 |
0.500 |
n/a |
| |
|
|
|
| Liquid Asset Account (Balance Up To $499.99)** |
0.150 |
0.150 |
n/a |
| Liquid Asset Account (Balance $500 and over)** |
1.000 |
1.000 |
n/a |
| |
|
|
|
| Health Savings Account (Balance Up To $500.99) |
2.000 |
2.020 |
n/a |
| Health Savings Account (Balance $501 -$1,000.99) |
2.250 |
2.270 |
n/a |
| Health Savings Account (Balance $1,001 and over) |
2.500 |
2.530 |
n/a |
| |
|
|
|
| Vacation/Christmas Club Account |
1.000 |
1.000 |
n/a |
| |
|
|
|
| Traditional and Roth IRAs & Education Savings Acct |
1.500 |
1.510 |
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 November 20 - November 26, 2008 (Minimum Balance to earn APY $500.00)
A penalty will be imposed for early withdrawal. We are not accepting institutional deposits at this time. |
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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