The rates listed below are our best rates. Your actual interest rate may be different depending on
your credit history and other underwriting criteria.
| NEW CAR RATES - 2008 & 2007 Models With < 15,000 Miles ** |
|
As Low As |
| 36 MONTHS |
4.00% APR * |
| 48 MONTHS |
4.25% APR |
| 60 MONTHS |
4.50% APR |
| 72 MONTHS |
5.20% APR |
| USED CAR RATES 2005-2008 ** |
|
As Low As |
| 36 MONTHS |
4.45% APR |
| 48 MONTHS |
4.50% APR |
| 60 MONTHS |
4.70% APR |
| USED CAR RATES 2002-2004 ** |
|
As Low As |
| 36 MONTHS |
5.00% APR |
| 48 MONTHS |
5.15% APR |
| 60 MONTHS |
5.25% APR |
| USED CAR RATES 1998-2001 ** |
|
As Low As |
| 36 MONTHS |
5.00% APR |
| 48 MONTHS |
5.15% APR |
| USED CAR RATES 1992-1997 ** |
|
As Low As |
| 36 MONTHS |
6.50% APR |
 |
| ASK ABOUT OUR REFINANCE RATE |
|
Rates Are Effective May 7, 2008
APR*s on Recreational Vehicles including Boats, Motorcycles, and ATVs are 1% higher than the rates listed above.
*APR-Annual Percentage Rate
Restrictions Apply. This offer is subject to withdrawal without notice or rates may change without notice. Membership eligibility is required.
**These are open-end loans. The terms are listed for the purpose of assisting you in calculating payments.
| Six Month Share Certificate Rates
|
| Minimum Balance to Earn APY |
Dividend Rate |
APY * |
|
| $1,000.00 |
2.97% |
3.00% |
|
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| One Year Share Certificate Rates
|
| Minimum Balance to Earn APY |
Dividend Rate |
APY * |
|
| $1,000.00 |
3.02% |
3.05% |
|
| Two Year Share Certificate Rates
|
| Minimum Balance to Earn APY |
Dividend Rate |
APY * |
|
| $1,000.00 |
3.07% |
3.11% |
|
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|
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| Three Year Share Certificate Rates
|
| Minimum Balance to Earn APY |
Dividend Rate |
APY * |
|
| $1, 000.00 |
3.12% |
3.15% |
|
| Four Year Share Certificate Rates
|
| Minimum Balance to Earn APY |
Dividend Rate |
APY * |
|
| $1,000.00 |
3.16% |
3.20% |
|
| Five Year Share Certificate Rates
|
| Minimum Balance to Earn APY |
Dividend Rate |
APY * |
|
| $1, 000.00 |
3.50% |
3.55% |
|
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The annual percentage yields are accurate as of May 5, 2008
*APR-Annual Percentage Rate
Rates and terms may change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. The account is subject to a penalty for early withdrawal. Fees could reduce earnings on the account.
| SERVICE FEES |
Effective September 1, 2005
A $5.00 Monthly service charge will be applied to all share draft accounts with a daily balance BELOW $300.00 at any time during the month.
For Senior Citizens (55 and Over) - No Monthly Service Charge.
**Safety Paper Checks Only - $1.00 - Limit One Box At A Time. **
Stop Payments (Applies to Share Drafts and ACH's) - $25.00
**Charge Applied Whether Item Tries To Clear Or Not. **
|
| Interim Statement Copy (Printout) |
$ 2.00 |
| Check Copy Charge |
$ 3.00 |
| Returned/ Charge Back Check |
$ 5.00 |
| Insufficient Fund Check (NSF) |
$ 25.00 |
| Automatic Transfer (Overdraft Protection) |
$ 3.00 |
| Charge for Reconcilement of Statement |
First Time Free |
| Thereafter |
$ 10.00 |
| Certified/Prepaid Credit Union Check |
$ 2.00 each after 3
during month |
| Incoming Wire |
$ 5.00 |
| Facsimile Machine |
$ 1.00/page |
| Inactive Account |
$ 5.00/month up to 12 months after 2 years of inactivity. |
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