| Rates current as of July 2, 2009 | ||
| Product (All accounts are federally insured) |
Annual Percentage Rate |
APY (%) |
| Deposit Accounts | ||
| Savings | 0.40 | 0.40 |
| Basic Checking | 0.25 | 0.25 |
| Premium Checking | 0.56 | 0.57 |
| Money Market Account | 1.06 | 1.07 |
| Holiday Club | 0.40 | 0.40 |
| Term Certificates (Including Child Care and Environmental) ($500 minimum) | ||
| 3-month term | 0.60 | 0.60 |
| 6-month term | 1.12 | 1.13 |
| 12-month term | 2.00 | 2.02 |
| 24-month term | 2.25 | 2.28 |
| 36-month term | 2.50 | 2.53 |
| 48-month term | 2.75 | 2.79 |
| 60-month term | 3.00 | 3.05 |
| IRA Accounts | ||
| IRA savings ($25 minimum) | 2.00 | 2.02 |
| IRA Certificates ($500 minimum) | ||
| 12-month certificate | 2.00 | 2.02 |
| 24-month certificate | 2.25 | 2.28 |
| 36-month certificate | 2.50 | 2.53 |
| 48-month certificate | 2.75 | 2.79 |
| 60-month certificate | 3.00 | 3.05 |
| Loan Rates | ||
| New Car (72 month term) | 7.625% to 8.625% | |
| Used Car -5 years old or less- (60 month term) | 8.375% to 8.875% | |
| Used Car -greater than 5 years old- (12 to 48 months) | 8.625% | |
| Motorcycle & Recreational Vehicles (12 to 60 months) | 11.375% to 11.875% | |
| Signature- Unsecured (12 to 36 months) | 12.75% | |
| Secured- Share Savings and Term Certificate | Account rate + 4.0% | |
| Overdraft Line of Credit | 16.0% | |
| Visa Credit Card | (Ask a representative) | |