Rates current as of  December 4, 2008
Product
(All accounts are federally-insured)

Annual Percentage Rate
(%)

APY
(%)
Deposit Accounts
Savings 0.50 0.50
Basic Checking 0.25 0.25
Premium Checking 1.15 1.16
Money Market Account 1.65 1.66
Holiday Club 0.50 0.50
Term Certificates (Including Child Care and Environmental) ($500 minimum)
3-month term 2.19 2.21
6-month term 2.52 2.55
12-month term 3.30 3.35
24-month term 3.55 3.61
36-month term 3.55 3.61
48-month term 3.80 3.87
60-month term 4.05 4.13
IRA Accounts
IRA savings ($25 minimum) 3.30 3.35
IRA Certificates ($500 minimum)
12-month certificate 3.30 3.35
24-month certificate 3.55 3.61
36-month certificate 3.55 3.61
48-month certificate 3.80 3.87
60-month certificate 4.05 4.13
Loan Rates
New Car (72 months) 7.00% to 8.00%
Used Car (60 months) 7.625% to 8.125%
Used Car (12 to 48 months) 7.75% to 8.25%  
Motorcycle & Recreational Vehicles (12 to 60 months) 10.625% to 11.125%
Personal, Signature, Unsecured (12 to 36 months) 12.75%
Visa Credit Card (Ask a representative)