|
Current Deposit Account and Loan Rates (Effective January 1, 2012) |
||
Products |
APR Annual Percentage Rate (%) |
APY Annual Percentage Yield (%) |
| DEPOSIT ACCOUNTS | ||
| Savings (Regular and Youth) | 0.50 | 0.50 |
| Regular Checking (balance* of $2,500 or less) | 0.15 | 0.15 |
| Regular Checking (portion of balance* greater than $2,500) | 0.40 | 0.40 |
| Premium Checking (rate applies to the entire balance when the amount on deposit in the account is $2,500 or more) | 0.40 | 0.40 |
| Money Market | 0.90 | 0.90 |
| Club Accounts (Holiday & Custom) | 0.50 | 0.50 |
| (*) = Average Daily Balance | ||
Term Certificates ($500 minimum to open) |
||
3-month term |
0.75 | 0.75 |
6-month term |
0.75 | 0.75 |
12-month term |
1.05 | 1.06 |
18-month term |
1.05 | 1.06 |
24-month term |
1.25 | 1.26 |
36-month term |
1.50 | 1.51 |
48-month term |
1.75 | 1.77 |
60-month term |
1.75 | 1.77 |
| Individual Retirement Accounts (IRA) | ||
IRA Savings ($100 minimum to open) |
1.05 | 1.06 |
| IRA Certificates ($500 minimum to open) | ||
12-month Certificate |
1.05 | 1.06 |
18-month Certificate |
1.05 | 1.06 |
24-month Certificate |
1.25 | 1.26 |
36-month Certificate |
1.50 | 1.51 |
48-month Certificate |
1.75 | 1.77 |
60-month Certificate |
1.75 | 1.77 |
| LOANS | ||
| New Car (up to 84 months) | 5.00% to 14.75% | |
| Used Car- 5 years old or newer (up to 72 months) | 6.00% to 16.00% | |
| Used Car- greater than 5 years old (up to 48 months) | 7.00% to 16.00% | |
| Motorcycle & Recreational Vehicles (up to 60 months) | 7.50% to 14.00% | |
| Signature- Unsecured (up to 48 months) | 8.50% to 16.00% | |
| Share Secured (Savings and Term Certificate accounts) | account rate + 4% | |
| Secured Line of Credit | account rate + 6% | |
| Overdraft Line of Credit | 9.50% to 16.00% | |
Visa Credit Card |
Rates & Additional Info | |
Home Equity Line of Credit- HELOC (90% or less- combined loan-to-value) |
5.00% to 9.50% | |
| Home Equity Loan (90% or less- combined loan-to-value) | 6.00% to 10.50% | |