as of July28, 2010
| Certificates |
Dividend Rate
|
APY*
|
Term
|
| 6 Months (minimum $2,000) |
1.05
|
1.055
|
6
|
| 1 Year (minimum $2,000) |
1.30
|
1.308
|
12
|
| 2 Year (minimum $2,000) |
1.70
|
1.713
|
24
|
| IRA-1 Year (minimum $1,000) |
1.30
|
1.306
|
12
|
| IRA-2 Year (minimum $1,000) |
1.70
|
1.711
|
24
|
*APY = Annual Percentage Yield. All early withdrawals are subject to a dividend penalty.
Share Certificates dividend paid monthly.
IRA Share Certificates paid quarterly.
Rates subject to change weekly.
Contact a member service rep for more information on rates and terms.
| Savings |
Dividend Rate
|
APY*
|
| Share |
1.00
|
1.004
|
| Christmas Club |
1.25
|
1.256
|
| IRA Shares |
3.00
|
3.034
|
| Roth IRA Shares |
3.00
|
3.034
|
| Coverdell |
3.00
|
3.034
|
*APY = Annual Percentage Yield.
Share Rate Declared by the Board 4-1-09.
| Loan Amount |
Term
|
APR As Low As*
|
| New Auto |
Up to 60 Months
|
3.75**
|
| New Auto |
Up to 72 Months
|
4.00**
|
| Used Auto |
Up to 48 Months
|
3.50**
|
| Used Auto |
Up to 60 Months
|
3.75**
|
| Boats, Motors, Trailers |
Up to 72 Months
|
4.00**
|
| Personal Line of Credit |
Up to 36 Months
|
8.75**
|
| MC Platinum |
No Annual Fee
|
7.99
|
| MC Standard |
No Annual Fee
|
10.99
|
| Share/Certificate Secured |
Various
|
Current rate 2%
|
** Loan Rates reduced by .25% for automatic payments and/or Savings balance of $2,000.
*APR = Annual Percentage Rate is based on member's credit history.
100 percent financing available on many vehicle loans up to Retail Value.
Cost of funds cannot exceed 18 percent. Rates Subject to change without notice.