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 June 30, 2011. There may be a penalty for early withdrawal of share certificates.
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LOAN CALCULATOR |
LOAN RATES
Effective September 1, 2011
|
NEW AUTO |
| ACCOUNT TYPE |
Annual Percentage Rate (APR) |
| 24 to 36 Months |
3.50% APR |
| 48 Months |
4.00% APR |
| 60 Months |
5.25% APR |
| 72 Months |
6.50% APR |
| 84 Months |
8.50% APR (on new vehicles over $25,000) |
|
USED AUTO |
| ACCOUNT TYPE |
Annual Percentage Rate (APR) |
| 24 to 36 Months |
4.50% APR |
| 48 Months |
5.25% APR |
| 60 Months |
5.75% APR |
| 72 Months |
6.50% 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 |
4.15%APR |
|
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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"
