Share (Savings) Dividends | Loans Per Thousand Monthly
Dividends are declared & paid at the end of each quarter for all savings accounts. Dividends are calculated on an average daily balance. All dividends are accurate as of 12/31/07. There may be a penalty for early withdrawal of share certificates.
 |
LOAN CALCULATOR |
LOAN RATES
Effective March 1, 2008
| NEW AUTO
|
| ACCOUNT TYPE |
Annual Percentage Rate (APR) |
| 24 to 36 Months |
4.50% APR |
| 48 Months |
5.50% APR |
| 60 Months |
6.25% APR |
| 72 Months |
7.50% APR |
| 84 Months |
9.00% APR (on new vehicles over $25,000) |
| USED AUTO
|
| ACCOUNT TYPE |
Annual Percentage Rate (APR) |
| 24 to 36 Months |
5.25% APR |
| 48 Months |
5.75% APR |
| 60 Months |
7.25% APR |
| 72 Months |
8.50% APR (on vehicles over $25,000) |
| FIXED HOME EQUITY LOAN (Maximum Loan Amount $125,000)
|
| ACCOUNT TYPE |
Annual Percentage Rate (APR) |
| 0 to 60 Months |
5.50% APR |
| 61 to 120 Months |
6.75% APR |
| 121 to 180 Months |
7.50% APR |
| RISK-BASED LOAN RATES
|
| Fair Isaac Scores |
Rate |
Unsecured Loan Rates |
| 730+ |
A+ |
8.95% |
| 680-729 |
A |
9.95% |
| 640-679 |
B |
11.95% |
| 600-639 |
C |
13.95% |
| 550-599 |
D |
15.95% |
| Share Secured
|
| ACCOUNT TYPE |
Annual Percentage Rate (APR) |
| 12 to 60 Months |
4.75%APR |
You will receive a .25% discount on any loan rate if you meet the following Steps:
Apply for a service that you currently don't have and receive .25%off the current loan rate.
- Share Draft Account ( checking)
- Direct Deposit of your Net check
- Online Banking
- Holiday Club
- Share Draft Line of Credit
- Visa check Card
- Open an account for your child
APR = "Annual Percentage Rate"
APY = "Annual Percentage Yield"
