Current Savings & Investment Rates
Effective Date:03/01/2012
| Share Certificates |
| Term (mos.) |
Minimum Deposit |
Annual % Rate |
Annual % Yield |
| 3 |
$1,000 |
.25% |
.25% |
| 6 |
$1,000 |
.40% |
.40% |
| 7.5 |
$7,500 |
.75% |
.75% |
| 12 |
$1,000 |
.65% |
.65% |
| 24 |
$1,000 |
.90% |
.90% |
| 36 |
$1,000 |
1.15 |
1.16 |
| Jumbo Share Certificates |
| Term (mos.) |
Minimum Deposit |
Annual % Rate |
Annual % Yield |
| 3 |
$100,000 |
.40% |
.40% |
| 6 |
$100,000 |
.55% |
.55% |
| 12 |
$100,000 |
.80% |
.80% |
| 24 |
$100,000 |
1.05% |
1.06% |
| 36 |
$100,000 |
1.30% |
1.31% |
| Other Rates |
| Type of Account |
Annual % Rate |
Annual % Yield |
| IRA |
.75% |
.75% |
| Share Savings |
.20% |
.20% |
| Christmas / Vacation Clubs |
.20% |
.20% |
Rates are subject to change without notice. There may be a penalty for early withdrawal.
NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a “noninterest-bearing transaction account” are insured in full by the National Credit Union Association from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the NCUA's general deposit insurance rules.
The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov
Loan Rates
| Vehicle Loan Rates |
| Model Year |
Loan To Value |
Term (mos.) |
Annual % Rate as low as |
Minimum Payment Per $100 |
| New 2012-2011 |
(LTV <100%) |
up to 60 |
1.99% |
$1.75 |
| New 2012-2011 |
(LTV <100%) |
up to 72 |
2.49% |
$1.50 |
| Used 2012-2010 |
(LTV <100%) |
up to 60 |
1.99% |
$1.75 |
| Used 2012-2010 |
(LTV < 100%) |
up to 72 |
2.49% |
$1.50 |
| Used 2009-2007 |
(LTV <100%) |
48 |
1.99% |
$2.17 |
| Used 2009-2007 |
(LTV <100%) |
60 |
2.49% |
$1.77 |
| Used 2009-2007 |
(LTV>100%) |
60 |
2.49% |
$1.77 |
| Used 2006-2002 |
NA |
36 |
4.49% |
$2.78 |
| Used 2006-2002 |
NA |
48 |
5.49% |
$2.08 |
| Boats/Watercraft |
2012-2011 |
60 |
2.49% |
$1.77 |
| Boats/Watercraft |
2010-2007 |
48 |
3.99% |
$1.67 |
| Boats/Watercraft |
2006-2002 |
36 |
5.49% |
$2.78 |
| Motorcycles |
2012-2011 |
60 |
1.99% |
$1.75 |
| Motorcycles |
2010-2007 |
48 |
2.49% |
$2.19 |
| Motorcycles |
2006-2002 |
36 |
3.49% |
$2.93 |
| Consumer Loan Rates |
| Type of Loan |
Description |
Term (mos.) |
Annual % Rate as low as |
Minimum Payment Per $100 |
| CD Secured |
Loan is 100% secured with cd |
NA |
1% over cd rate 3% minimum |
$2.91 |
| Share Secure |
100% share secured |
36 |
3.0% |
$2.91 |
| Personal |
NA |
36 |
9.50% |
$3.20 |
| Special Purpose |
NA |
24 |
11.00% |
$4.66 |
| Emergency |
NA |
36 |
18.00% |
$3.62 |
| Home Loan Rates |
| Type of Loan |
Term (mos.) |
Annual % Rate as low as |
Minimum Payment Per $1000 |
| Mortgages (No Points) |
up to 20 years |
1.00% below Prime Rate Minimum 4.00% |
$6.60 |
| Home Equity (No Points) |
up to 10 years |
Prime Rate Minimum 7.00% |
$12.95 |
| New Mobile Homes |
up to 15 years |
2.00% above Prime Rate Minimum 8.00% |
$10.73 |
| Used Mobile Homes |
5 years |
3.00% above Prime Rate Minimum 8.00% |
$11.03 |
| Used Mobile Homes |
10 years |
4.00% above Prime Rate Minimum 8.00% |
$11.03 |
100% Financing includes sticker price plus taxes, title, license plus the cost of gap insurance & extended warranties.
Longer terms on boats are available with CEO approval.
Longer terms and rates can be considered on an individual basis.
Rates and terms subject to change. Pre-approval rate is guaranteed for 60 days.
* These rates are the lowest rates available. Your actual rate will reflect your individual circumstances and may be higher than the above rates. To find out your loan rate, please contact our Loan Department.
