Rates
Dividend Rate |
Annual Percentage Yield (APY) |
|
Regular Savings Share Accounts |
.10% | .10% |
IRA Share Accounts |
1.00% | 1.00% |
Checking Accounts |
.05% | .05% |
Certificates |
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Certificate Rates |
Term |
Dividend Rate |
Annual Percentage Yield (APY) |
| $500-$99,999 | 3 months | .15% | .15% |
| 6 months | .15% | .15% | |
| 9 months | .20% | .20% | |
| 12 months | .30% | .30% | |
| 24 months | .40% | .40% | |
| 36 months | .60% | .60% | |
| Bump Up Option | 36 months | .60% | .60% |
| 48 months | .95% | .95% | |
| Bump Up Option | 48 months | .85% | .85% |
| 60 months | 1.15% | 1.15% | |
| Bump Up Option | 60 months | 1.05% | 1.05% |
| $100,000 or more/Jumbo | 3 months | .25% | .25% |
| 6 months | .25% | .25% | |
| 9 months | .30% | .30% | |
| 12 months | .40% | .40% | |
| 24 months | .50% | .50% | |
| 36 months | .80% | .80% | |
| Bump Up Option | 36 months | .70% | .70% |
| 48 months | 1.05% | 1.06% | |
| Bump Up Option | 48 months | .95% | .95% |
| 60 months | 1.25% | 1.26% | |
| Bump Up Option | 60 months | 1.15% | 1.16% |
New or Used Vehicle LoansBoats, Motorcycles and Recreational Vehicles |
Annual Percentage Rate (APR) |
|||||||
| Term (months) | 24 | 36 | 48-60 | 72 | 84 | |||
| Up to 80% Loan-to-Value Ratio Rates as low as¹ |
1.44% | 1.64% | 2.09% | 2.99% | 4.49% | |||
| Monthly payment per $1000 *48-60 month loan payment example reflects a 48 month term |
$42.30 | $28.49 | $21.74* | $15.20 | $13.90 | |||
| 81% - 100% Loan-to-Value Ratio Rates as low as¹ |
1.64% | 1.84% | 2.24% | 3.14% | 4.69% | |||
| Monthly payment per $1000 **48-60 month loan payment example reflects a 48 month term |
$42.39 | $28.58 | $21.81** | $15.26 | $13.99 | |||
Secured Personal Loans(Share/TSA) |
Terms available up to 120 months |
|
Annual Percentage Rate (APR) |
||
| Rate | 2% above dividend rate | |
| Checking Account Overdraft Protection | Open-End | 12% |
| MasterCard Platinum | Open-End | 7.5% |
Unsecured Personal Loan |
Annual Percentage Rate (APR) |
|||||||
| Term (months) | 12 | 24 | 36 | 48 | 60 | 72 | 84 | 96 |
| Rates as low as¹ | 4.5% | 5.0% | 5.5% | 6.0% | 6.5% | 7.0% | 7.5% | 8.0% |
| Monthly payment per $1000 | $85.38 | $43.88 | $30.20 | $23.49 | $19.57 | $17.06 | $15.35 | $14.14 |
¹All rates effective February 1,2015. All rates subject to change without notice. Rates based on credit worthiness.