Savings & Loan Calculators
Rates
Savings Rates
| Share Accounts |
| Effective Date: Sunday, February 5th, 2012 |
| Share Account | APR* | APY** |
| S1- Share Primary |
0.15% |
0.15% |
| S2 - Regular |
0.15% |
0.15% |
| S3 - Vacation Club |
0.15% |
0.15% |
| S4 - Escrow |
0.15% |
0.15% |
| S9 - Christmas Club |
0.15% |
0.15% |
- SHARE PRIMARY AND REGULAR SHARE ACCOUNT *** - The Regular Share Account is a variable rate account. The rates listed are the last dividend declaration date. The dividend rate and annual percentage yield (APY)** on this account may change every quarter as determined by our board of directors.
- CHRISTMAS CLUB *** - The Christmas Club is a variable rate account. The interest rate & annual percentage yield (APY)** may change annually.
- VACATION CLUB *** - The Vacation Club is a variable rate account. The interest rate & annual percentage yield (APY)** may change annually.
| Money Market Account |
| Effective Date: Sunday, February 5th, 2012 |
| Average Daily Balance | APR* | Variable APY* |
| $0.00 - $9,999.99 |
0.25% |
0.25% |
| $10,000.00 - $25,000.00 |
0.35% |
0.25% - 0.31% |
| $25,000.01 and above |
0.40% |
0.31% - 0.40% |
- MONEY MARKET ACCOUNT *** - The Money Market account is a variable rate account. The rates listed are as of the last dividend declaration date. The dividend rate and annual percentage yield (APY)** on this account may change every month as determined by our board of directors. The minimum average daily balance in your account to earn a dividend is $1000. A maximum of six (6) withdrawals per month: including checks, ATM/Debit transactions, home banking transfers, ACH and audio response. No limits on in person transactions. Transactions exceeding the limit are subject to nonpayment.
| Schedule of IRA Share |
| Effective Date: Sunday, February 5th, 2012 |
| IRA Share Account | APR* | APY** |
| S90 - IRA Share Deposit |
0.15% |
0.15% |
| S91 - IRA Share Over $1000 |
0.75% |
0.75% |
| S92 - Roth IRA Share Deposit |
0.75% |
0.75% |
| S93 - Coverdell IRA Share Deposit |
0.75% |
0.75% |
| S94 - Roth IRA Conversion |
0.75% |
0.75% |
| S95 SEP IRA |
0.75% |
0.75% |
| Schedule of CD and CD/IRA Rates |
| Effective Date: Sunday, February 5th, 2012 |
| Certificates | APR* | APY** |
| 6 Month Certificate |
0.40% |
0.40% |
| 12 Month Certificate |
0.50% |
0.50% |
| 24 Month Certificate |
0.90% |
0.90% |
| 36 Month Certificate |
1.20% |
1.21% |
| 48 Month Certificate |
1.30% |
1.31% |
- Penalty for early withdrawal. Minimum investment of $500 for all terms. The above listed CD rates may change daily. *Annual Percentage Rate ** Annual Percentage Yield
***Fees may reduce earnings.
Loan Rates
| Consumer Loans |
| Effective Date: Sunday, February 5th, 2012 |
| Products | Rate |
| New Vehicles |
from 5.25%* |
| Used Vehicles |
from 6.25%* |
| RV(Motorhome, Boat, Motorcyle, etc.) |
from 7.25%* |
| Share Secured/CD Secured |
from 3.00%* |
| Unsecured (signature loan) |
from 8.25%* |
| Checking Account Line of Credit |
from 18.00%* |
| Real Estate Loans |
| Effective Date: Sunday, February 5th, 2012 |
| First Mortgage | Rate |
| 15 year amortization |
Contact a representative for your best rate |
| Home Equity (variable rate/adjusts quarterly) |
4.25% APR* |
| Home Equity (fixed rate/10 year term) |
6.25%APR* |
| Line of Credit Loans |
| Effective Date: Sunday, February 5th, 2012 |
| Products | APR* |
| MasterCard |
8.90% |
-
Rates listed represent our best rates and are subject to credit approval. Not all members qualify for our best rate. To determine your rate, please contact the credit union.
-
Rates and terms subject to change.
*All loan rates quoted as APR (Annual Percentage Rate)
All rates are updated quarterly as determined by the Board of Directors.
