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%