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Loan Rates

Last updated Sept 29, 2014

All Rates Listed are Annual Percentage Rates
and are Subject to Change Without Notice

Mortgage Loans
We now offer 15, 20 and 30 year Mortgage Loans. Please call for details and current rates.
Consumer Loans
Loan Type
Annual Percentage Rate*
Maximum Loan Amount
Maximum Term
New or Used Autos and Motorcycles

As low as 2.95%
As high as
11.00 %

New - 100% of MSRP + TT&L
Used - 90% of NADA

Value $1,000 to $9,999 - 36 months
Value $10,000 to $14,999 - 48 months
Value $15,000 to $24,999 - 60 months
Value $25,000 to $49,999 - 72 months
Value $50,000 or more - 84 months
New or Used RV's
Conversion Vans, Boats and
Mobile Homes
As low as 6.00%
As high as 14.00%
New - 90% of MSRP
Used - 90% of NADA
Value $1,000 to $9,999 - 36 months
Value $10,000 to $14,999 - 48 months
Value $15,000 to $24,999 - 60 months
Value $25,000 to $49,999 - 72 months
Value $50,000 or more - 84 months
Signature

As low as 7.50%
As high as 16.00
%

See loan officer
36 months
Share Secured

2.00% above Highest Divided Rate for Regular Shares
Rate is variable.

 

100% of Pledged Amount
120 months


Share Certificate
Secured

2.00% above Share Certificate Rate
100% of Pledged Amount
Remaining Term of Certificate


Visa

As low as
8.9%
As high as
11.9%

$5,000

Revolving
*Your annual percentage rate may vary depending upon credit worthiness. Please ask a loan officer for details about how your rate is determined.

Share Rates
Last update Sept 29, 2014

All Rates Listed are Annual Percentage Yields
and are Subject to Change Without Notice

Description
Minimum
Initial
Deposit
Minimum
to
Earn
Compound-
ing and
Crediting
Dividend
Rate

Annual
Percentage
Yield

Regular Shares*
From $25.00 to $1999.99
From $2000 and more

$25.00
$25.00
Quarterly

.10%
.15%

.10%
.15
%
Share Draft (Checking)
$25.00
$2,500.00
Monthly
.10%
.10%

6 Mo. Share Certificate
Regular
Jumbo


$1,000.00

$100,000.00


$1,000.00
$100,000.00
Monthly

.45%
.50
%

.45%
.50%
12 Mo. Share Certificate
Regular
Jumbo

$1,000.00
$100,000.00

$1,000.00
$100,000.00
Monthly

.55%
.60%

.55%
.60%
IRA Accounts
From $.01 to $99,999.99

From $100,000 and more 
$25.00
$25.00
Monthly

.55%

.60%


.55%
.60%

Christmas Club Account
$25.00
$0.00
Monthly
.45%
.50%

Certificate yields disclosed assume dividends are not withdrawn prior to maturity. Withdrawal of dividends will reduce yield.
*Secondary and Business Shares same as Regular shares except there is no minimum initial deposit and no minimum to earn. Rates are last declared rates by the board of directors.

The Daily Balance Method is used to compute dividends on all deposit accounts.

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