Current Deposit Account and Loan Rates

Product

APR

Annual Percentage

Rate
(%)

APY

Annual Percentage Yield
(%)

Deposit Accounts
Savings 0.50 0.50
Holiday Club 0.50 0.50
Checking (Basic, Business,and Nonprofit Organization) 0.25 0.25
Checking (Premium) 0.60 0.61
Money Market 1.10 1.11

Term Certificates ($500 minimum)

        (Incl. Specialty Certificates)                                                                            Updated July 2, 2010

3-month term 1.00 1.01
6-month term 1.25 1.26
12-month term 1.55 1.56
24-month term 1.90 1.92
36-month term 2.40 2.43
48-month term 2.65 2.69
60-month term 2.90 2.94
IRA Accounts
IRA savings ($25 minimum) 1.55 1.56
IRA Certificates ($500 minimum)
12-month certificate 1.55 1.56
24-month certificate 1.90 1.92
36-month certificate 2.40 2.43
48-month certificate 2.65 2.69
60-month certificate 2.90 2.94
Loan Rates                                                                                        
New Car                                                         (72 month term) 6.750% to 7.750%
Used Car- 5 years old or less                   (60 month term) 7.500% to 8.000%
Used Car- greater than 5 years old         (12 to 48 months) 7.750%  
Motorcycle & Recreational Vehicles       (12 to 60 months) 10.500% to 11.000%
Signature- Unsecured                                (12 to 36 months) 12.750%
Secured- Share Savings and Term Certificate Account rate + 4.0%  
Overdraft Line of Credit 16.0%  
Visa Credit Card (Ask a representative)  
Home Equity Line of Credit- HELOC     (90% or less- combined LTV) 6.000% - 6.500%  
Home Equity Loan               (90% or less- combined LTV) 8.250% - 8.750%