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APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

Rates as of 1/7/2010.
Rate Description Term Payment Description APR APR Type
SHARE SECURED UP TO 48 MONTHS $22.72 PER $1000.00 BORROWED 4.32% Fixed
NEW AUTO 85% OF STICKER (UP TO FIVE YEARS) $18.34 PER $1000.00 BORROWED 3.82% Fixed
NEW AUTO 100% OF STICKER (UP TO FIVE YEARS) $18.56 PER $1000.00 BORROWED 4.32% Fixed
USED AUTO UP TO 48 MONTHS $22.72 PER $1000.00 BORROWED 4.32% Fixed
HOME EQUITY UP TO 60 MONTHS $18.56 PER $1000.00 BORROWED 4.32% Fixed
HOME EQUITY FROM 61 MONTHS TO 84 MONTHS $14.05 PER $1000.00 BORROWED 4.82% Fixed
HOME EQUITY FROM 85 MONTHS TO 120 MONTHS $10.76 PER $1000.00 BORROWED 5.32% Fixed
MOBILE HOME UP TO 60 MONTHS $19.95 PER $1000.00 BORROWED 7.32% Fixed
MOBILE HOME FROM 61 MONTHS TO 84 MONTHS $15.50 PER $1000.00 BORROWED 7.82% Fixed
MOBILE HOME FROM 85 MONTHS TO 120 MONTHS $12.30 PER $1000.00 BORROWED 8.32% Fixed
PERSONAL (SIGNATURE SECURED) UP TO 48 MONTHS $25.04 PER $1000.00 BORROWED 9.32% Fixed
PERSONAL (TITLE SECURED) UP TO 48 MONTHS $24.80 PER $1000.00 BORROWED 8.82% Fixed

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates
Rates as of 1/7/2010.
Rate Description Term Dividend Rates APY
MINIMUM BALANCE OF $2500.00 6 MONTHS 1.57% 1.57%
MINIMUM BALANCE OF $2500.00 12 MONTHS 1.82% 1.82%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates
Rates as of 1/7/2010.
Rate Description Term Dividend Rates APY
SHARE BALANCES OF $50.00 to $ 499.99 QUARTERLY ENDING 12-31-09 0.20% 0.20%
SHARE BALANCES OF $500.00 to $4,999.99 QUARTERLY ENDING 12-31-09 0.50% 0.50%
SHARE BALANCES OF $ 5000.00 to $24,999.99 QUARTERLY ENDING 12-31-09 0.75% 0.75%
SHARE BALANCES OF $25,000.00 and above QUARTERLY ENDING 12-31-09 1.25% 1.26%
CHRISTMAS AND VACATION CLUBS QUARTERLY ENDING 12-31-09 0.75% 0.75%
MISC. SAVINGS QUARTERLY ENDING 12-31-09 0.75% 0.75%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs

Rates as of 1/7/2010.
Rate Description Term Dividend Rates APY
ROTH OR TRADITIONAL (BALANCES UP TO $5000.00) QUARTERLY ENDING 12-31-09 1.45% 1.46%
ROTH OR TRADITIONAL (BALANCES OVER $5000.00) QUARTERLY ENDING 12-31-09 1.95% 1.97%
TERM CERTIFICATE 6 MONTHS 1.54% 1.54%
TERM CERTIFICATE 12 MONTHS 1.79% 1.79%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Share Draft

Rates as of 1/7/2010.
Rate Description Term Dividend Rates APY
BALANCES OVER $250.00 QUARTERLY ENDING 12-31-09 0.20% 0.20%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

 

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