|
Rates effective as of September 1, 2010
| Risk-Based Lending |
A
Score*
|
B
Score*
|
C
Score*
|
D
Score*
|
| Credit Score |
680 +
|
641-679
|
600-640
|
Below 599
|
| Market Rates |
APR
|
APR +1
|
APR +2
|
APR +3.5
|
| Signature Loans |
APR
|
APR+ 1
|
APR + 2
|
APR +3.5
|
| New & Used Autos |
APR
|
APR + 1
|
APR + 2
|
APR +3.5
|
| Fixed Home Equity Loans |
APR
|
APR + 1
|
APR + 2
|
APR +3.5
|
| |
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|
|
*APR = Annual Percentage Rate Subject to change without notice.
| Loans- "A" Paper Rates |
Term
|
Rate
|
APR*
|
Calculator
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| New Auto loan rates (as low as) |
24 months
|
2.99%
|
2.99%
|
Calculator
|
| |
36 months
|
3.25%
|
3.25%
|
Calculator
|
|
|
48 months
|
3.50%
|
3.50%
|
Calculator
|
|
|
60 months
|
3.75%
|
3.75%
|
Calculator
|
|
minimum $25,000
|
72 months
|
3.99%
|
3.99%
|
Calculator |
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|
Used Auto loan rates (as low as)
|
24 months
|
2.99%
|
2.99%
|
Calculator
|
|
|
36 months
|
3.25%
|
3.25%
|
Calculator
|
|
|
48 months
|
3.50%
|
3.50%
|
Calculator
|
|
minimum $20,000
|
60 months
|
3.75%
|
3.75%
|
Calculator
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Boat loans (Max term 72 months, Max amount $50,000) Please contact the lending department for further details!
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| MAPS- Lease like loans please contact the lending department for low MAPS program rates! |
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| Real Estate: |
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| Fixed Rate First Mortgages up to 30 Years: |
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| Contact the lending department for details. |
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| Home Equity " Lines- of -Credit" |
15 Years
|
4.00%**
|
4.00% **
|
|
|
**Tied to the "Prime Rate" as published in the Wall Street Journal
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| Home Equity Fixed Rates: |
5 Years
|
4.75%
|
4.75%
|
Calculator
|
|
|
7 Years
|
5.00%
|
5.00%
|
Calculator
|
|
|
10 Years
|
5.25%
|
5.25%
|
Calculator
|
|
|
15 Years
|
5.50%
|
5.50%
|
Calculator
|
| |
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|
| Unsecured / Signature loans: |
48 months
|
12.00%
|
12.00%
|
Calculator
|
|
|
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|
| VISA Classic: |
|
12.00%
|
12.00%
|
Calculator
|
| VISA Platinum Rewards Card: |
|
9.60%
|
9.60%
|
Calculator
|
| |
|
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|
| Overdraft Protection: ($2,500 maximum) |
48 months
|
12.00%
|
12.00%
|
Calculator
|
| |
|
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| Share Secured: |
60 months
|
Regular share rate + 5%
|
|
Calculator
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| |
|
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| Certificate Secured: |
Term of CD
|
CD rate +1%
|
|
Calculator
|
| |
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| Stock Secured: (70% of stock value) |
60 months
|
Regular share rate + 5% |
|
Calculator
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*APR = Annual Percentage Rate
|
Savings
|
Minimum Balance
|
Dividend/ Interest Rate
|
APY*
|
Calculator
|
| Regular Share Account |
$25.00
|
.30%
|
.30%
|
Calculator
|
|
Holiday Share and Club Account
|
|
.30%
|
.30%
|
Calculator
|
|
Vacation Share and Club Account
|
|
.30%
|
.30%
|
Calculator
|
| |
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| IRA Share Accounts |
|
.75%
|
.75%
|
Calculator
|
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| Share Draft- Mininum balance to earn dividend is $1,000. |
|
.05%
|
.05%
|
Calculator
|
| |
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*APY = Annual Percentage Yield. Rates may change after the account is opened and may change without notice. Fees may reduce the APY.
| Certificates |
Minimum Deposit
|
Dividend/ Interest Rate
|
APY*
|
|
| 3 month certificate** |
$2,000
|
.50%
|
.501%
|
Calculator
|
|
6 month certificate**
|
$2,000
|
.75%
|
.753%
|
Calculator
|
|
12 month certificate**
|
$2,000
|
1.00%
|
1.00%
|
Calculator
|
|
24 month certificate**
|
$2,000
|
1.35%
|
1.358%
|
Calculator
|
|
36 month certificate**
|
$2,000
|
1.50%
|
1.51%
|
Calculator
|
| A penalty may be imposed for early withdrawal. |
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| *APY = Annual Percentage Yield. Rates subject to change without notice. |
| ** Certificates over $75,000 will receive an additional .25% above the regular certificate rate. |
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