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Loan Rates| Share Savings Rates
Loan Rates
Effective May 1, 2013
| Description |
Fixed |
Variable |
Normal Maximums |
| New Vehicle |
As Low As |
|
|
| Up to 36 months |
2.40% |
N/A |
100% of purchase price |
| 37 - 48 months |
2.65% |
N/A |
100% of purchase price |
| 49 - 60 months |
2.90% |
N/A |
100% of purchase price |
| 61 - 72 months |
3.40% |
N/A |
100% of suggested list price, $17,500 minimum |
| Used Vehicle |
As Low As |
|
|
| Current - 2 year old |
2.90% |
N/A |
60 months, 100% of purchase price |
| 3 year old |
2.90%
|
N/A |
60 months, 100% of purchase price |
| 4 year old |
2.90% |
N/A |
60 months, 100% of purchase price |
| 5 - 8 year old |
3.40% |
N/A |
48 months, 100% of purchase price |
| 9 years and older |
4.40% |
N/A |
48 months, 100% of purchase price |
| Used Auto - variable |
N/A |
5.25% |
$10,000 minimum, 100% of NADA loan value |
| Motorcycles |
As Low As |
|
|
| New |
3.40% |
N/A |
60 months, 100% of purchase price |
| Used |
3.90% |
N/A |
60 months, 100% of NADA retail value |
| Boats |
As Low As |
|
|
| New |
3.40% |
N/A |
60 months, 85% of purchase price |
| Used |
3.90%
|
N/A |
60 months, 85% of purchase price |
| Recreational Vehicles As Low As |
|
|
| New |
3.40% |
N/A |
60 months (over $6,000), 85% of purchase price |
| Used |
3.90% |
N/A |
60 months (over $6,000), 85% of purchase price |
| Mobile Homes |
As Low As |
|
|
| New (fixed) |
N/A |
N/A |
12 months/$1,000 up to 60 months; 90% of invoice |
| New (variable) |
N/A |
N/A |
12 months/$1,000 up to 84 months; 90% of invoice |
| Used |
N/A |
N/A |
12 months/$1,000 up to 60 months; 90% of purchase price or appraised value, whichever is less |
| Classic/Antique Auto |
5.40% |
N/A |
12 months/$1,000 up to 60 months, 85% of appraised value not to exceed $9,000 |
| Closed End Unsecured |
7.90% |
N/A |
12 months/$1,000 up to 48 months, $300 minimum |
| Second Mortgage |
As Low As |
|
|
| Fixed |
3.90% |
N/A |
Up to 60 months, 100% of appraised value (includes all mortgages) |
| |
4.40% |
N/A |
61-120 months, 100% of appraised value (includes all mortgages) |
| Variable |
N/A |
6.00% |
180 months maximum, 100% of appraised value (includes all mortgages) |
| Home Equity Credit Line |
As Low As |
3.25% |
80% of appraised value (includes all mortgages), payment of 1.25% of balance ($75 minimum) |
| Share Secured |
Rate + 3.00% |
N/A |
60 months, $500 minimum |
| Household Furnishings & Appliances |
10.75% |
N/A |
12 months/$1,000 up to 36 months, 75% of purchase price to a maximum of $2,500 |
| Overdraft Protection |
13.90% |
N/A |
$100 minimum, $1,000 maximum |
| Revolving Credit |
13.90% |
N/A |
30 months, $300 minimum, $100 minimum advance |
| Student Loans |
|
|
Rate established by Federal Government |
| Life Insurance |
13.75% |
N/A |
12 months/$1,000 up to 60 months, 100% of cash value |
| VISA |
N/A |
8.63% |
$300 minimum up to $5,000 maximum; payment of 2% of balance ($20 minimum) |
All loans for less than $500 are at a 17.00% fixed rate, except for line of credit loans.
All rates are Annual Percentage Rate (APR). Rates are subject to change without notice. Your rate is based on your credit history and may differ from the listed APR. Contact the Loan Department for details.
Share Savings Dividend RatesBack to Top
Effective May 1, 2013
| Description |
|
Dividend Rate |
Annual Percentage Yield |
| Share Certificates* |
|
|
|
| 3 Month Certificate |
($500 minimum to open) |
0.10%
|
0.10% |
| 6 Month Certificate |
($500 minimum to open) |
0.15% |
0.15% |
| 9 Month Certificate |
($500 minimum to open) |
0.15% |
0.15% |
| 12 Month Certificate |
($500 minimum to open) |
0.30%
|
0.30% |
| 15 Month Certificate |
($500 minimum to open) |
0.30% |
0.30% |
| 18 Month Certificate |
($500 minimum to open) |
0.40%
|
0.40% |
| 24 Month Certificate |
($500 minimum to open) |
0.60%
|
0.60% |
| 36 Month Certificate |
($500 minimum to open) |
0.75% |
0.75% |
| 48 Month Certificate |
($500 minimum to open) |
0.85% |
0.85% |
| 60 Month Certificate |
($500 minimum to open) |
1.00% |
1.01% |
| IRA Share Certificates* (Traditional or Roth) |
| 6 Month Certificate |
($500 minimum to open) |
0.15% |
0.15% |
| 12 Month Certificate |
($500 minimum to open) |
0.30%
|
0.30% |
| 18 Month Certificate |
($500 minimum to open) |
0.40% |
0.40% |
| 24 Month Certificate |
($500 minimum to open) |
0.60% |
0.60% |
| 36 Month Certificate |
($500 minimum to open) |
0.75% |
0.75% |
| 48 Month Certificate |
($500 minimum to open) |
0.85% |
0.85% |
| 60 Month Certificate |
($500 minimum to open) |
1.00% |
1.01% |
| IRA Variable Rate Share Certificate* (Traditional or Roth) |
| 18 Month Certificate |
($100 minimum to open) |
0.15% |
0.15% |
| * Penalty may be imposed for early withdrawal. The Annual Percentage Yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. |
Regular Share Savings
Christmas/Vacation Club Savings
Education Share Savings |
| $25 - $499.99 (daily balance)** |
|
0.05% |
0.05% |
| $500 - $2,499.99 (daily balance)** |
|
0.05% |
0.05% |
| $2,500 - $9,999.99 (daily balance)** |
|
0.05% |
0.05% |
| $10,000 and above (daily balance)** |
|
0.05% |
0.05% |
| Club 66 Share Savings |
| $25 and up (daily balance)** |
|
0.05% |
0.05% |
| 500+ Checking |
| $500 and up (daily balance)** |
|
0.05% |
0.05% |
| High Investment Access Account |
| $2,500 - $24,999.99 (daily balance)** |
(daily balance)** |
0.10% |
0.10% |
| $25,000 - $49,999.99 (daily balance)** |
(daily balance)** |
0.10% |
0.10% |
| $50,000 - $99,999.99 |
(daily balance)** |
0.15% |
0.15% |
| $100,000 and above |
(daily balance)** |
0.15% |
0.15% |
** Minimum balance to earn Annual Percentage Yield (APY).
These rates are accurate and effective for accounts as of the effective date indicated. The Dividend Rate may change as determined by the Board of Directors. Fees on interest bearing accounts could reduce earnings. If you have any questions or require current rate information on your accounts, please call (402)471-2561.
Your savings are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.
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