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| Financial Rates |
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Here you will find our current and most up-to-date listings of in-house financial rates. Inquiries about mortgage rates must be made by phone or e-mail at this time, due to the daily changing nature of such rates. In the future, we hope to offer the day's rates daily. This is something we are working on. When we know if this will be possible, you'll find out about it here first, so be sure to check in often!
For Savings Rates, Consumer Loan Rates and VISA Rates, please click the corresponding link in the right column.. |
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Consumer Loan Rates
Effective Date: May 12, 2010
Auto Rates — Under 45,000 miles
(includes bikes 1200cc and over (72ci))
- Rates from 4.50 APR to 10.00 APR up to 36 months.
- Rates from 4.65 APR to
10.55 APR up to 48 months.
- Rates from 4.75 APR to 10.25 APR up to 60 months.
- Rates from 5.25 APR to 10.75 APR up to 72 months.
- Rates are based on individual financial history and if you take advantage of the discounts available.
- Longer financing may be available;
Contact us for more information.
Used Auto Rates — Over 45,000 miles
- Rates from 4.75 APR to 10.25 APR up to 36 months.
- Rates from 4.90
APR to 10.40 APR up to 48 months.
- Rates from 5.00 APR to 10.50 APR up to 60 months.
- Rates from 5.75 APR to 10.75 APR up to 72 months.
- Rates are based on individual financial history and if you take advantage of the discounts available.
Used Auto Rates — As collateral for
cash or debt consolidation
- Rates from 6.25 APR to 11.75 APR.
- Up to 60 months maximum, Based on individual financial history and if you take advantage of the discounts available.
Classic Vehicles
- Up to 60 months: Rates from 4.75 APR to 10.25 APR.
- From 61 to 72 months: Rates from 5.25 APR to 10.75 APR.
- Based on individual financial history and if you take advantage of the discounts available.
Signature / Unsecured Loans
- Based on individual financial history and Income.
- Up to $1000 for as long as 12 months: Rates from 7.00 APR
to 12.00 APR
- Up to $3000 for as long as 24 months: Rates from 8.25
APR to 13.25 APR.
- Up to $3000 for as long as 30 months: Rates from 8.50
APR to 13.50 APR.
- From $3000 - $5000 for as long as 48 months: Rates from 11.90
APR to 16.90 APR.
- Time notes, up to $5000 unsecured: Rates from 18 APR.
Snowmobiles, ATVs, Personal Watercraft, Computers, Tractors, Motorcycles (under 1200 CCs), Campers, Small Boats & Travel Trailers
(Up to 60 months)
4.75 APR to 10.25 APR
Large Boats,
Motorhomes, 5th-wheels, Large Tractors, & Travel
Trailers
- Up to 60 months: 4.75 to 10.25 APR
- Over $10,000, 61 to 84 months: 5.25 to 10.75 APR
- Over $10,000, 85 to 144 months: 6.50 to 12.00
APR
- Over $15,000, over 144 months: 72 month balloon,
initial rates 5.25 to 10.75 APR
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Home Equity &
In-house Mortgage Rates
Effective Date: February 8, 2010
Home Equity Loans
4.90% Floor
Rate if LTV is less than 70%
Rate will adjust to current prime rate minus .50% when
opened, and then quarterly
4.90% Floor
Rate if LTV is less than 80%
Rate will adjust to current prime rate when opened, and also
quarterly
5.90% Floor Rate if LTV is less than 90%
Rate will adjust to current prime rate plus 1.00% when
opened, and then quarterly
LTV = Loan to Value = Loan
amount divided by appraisal amount
In-House Mortgages
Term Length |
APR |
3 year balloon |
6.00 - 10.00% |
5
year balloon |
6.25 - 10.25% |
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10 year fixed |
8.00 - 12.00% |
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15 year fixed |
8.75 - 12.75% |
Construction loans at 6.75% APR |
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Share Account and Certificate Rates
Effective Date: December 18, 2009
(APY - Annual Percentage Yield, APR - Annual Percentage Rate)
Account |
APR |
APY |
Share Accounts |
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Regular Share |
.25% |
.25% |
Christmas Club |
.75% |
.75% |
Vacation Club |
.25% |
.25% |
Special Deposit |
.25% |
.25% |
Eager Beaver Shares |
.25% |
.25% |
Share Draft |
- |
- |
Prime Time Share Draft |
- |
- |
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Individual Retirement Accounts (IRAs) |
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Traditional & Roth |
1.75% |
1.76% |
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Educational and Health Savings (HSA) |
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| Health Savings
Account |
1.75% |
1.76% |
Coverdell Education Savings |
1.75% |
1.76% |
CD Rates
Effective April 8, 2010
Share Certificates of Deposit* |
APR |
APY |
6 Months |
1.00% |
1.00% |
12 Months |
1.25% |
1.26% |
18 Months |
1.40% |
1.41% |
24 Months† |
1.75% |
1.76% |
36 Months‡ |
2.00% |
2.02% |
* Minimum deposit $1000.00; children under 18 years of
age and college students, minimum deposit $500.00.
† 24 Month CD has the ability to adjust rates once per
year during its term.
‡ 36 Month CD has the ability to adjust rates once per
year during its term.
Money Market Rates
Effective April 8, 2010
Money Market Rates |
APR |
APY |
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$2,500 - $15,000 |
.375% |
.375% |
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$15,001 - $50,000 |
.50% |
.50% |
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$50,001 and above |
.90% |
.90% |
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