| Shares |
| Share Types |
Effective APY |
Dividend Rate |
| Shares and Club Accounts |
0.10% |
0.10% |
| Christmas Clubs* |
0.10% |
0.10% |
| *Early withdrawal penalty: $20. |
|
| Vacation Clubs** |
0.10% |
0.10% |
| **one withdrawal per quarter, $20 fee if more than one per quarter. |
| IRA Shares |
0.25% |
0.25% |
| Balance required to earn a dividend: $250.00 *Fees may reduce the earnings. |
| Money Market* |
| Term |
Effective APY |
Dividend Rate |
| $0 to $2,499 |
0.00% |
|
| $2,500 to $49,999 |
1.25% |
1.25% |
| $50,000 and over |
1.75% |
1.75% |
| * Refer to "Important Account Information for Our Member" for transaction limitations. Click here |
| Share Certificate |
| Term |
Effective APY |
Dividend Rate |
| 3 months |
2.25% |
2.22% |
| 6 months |
2.50% |
2.47% |
| 12 months |
2.50% |
2.47% |
| 18 months |
3.05% |
3.01% |
| 24 months |
2.75% |
2.72% |
| 30 months |
2.65% |
2.62% |
| 36 months |
3.00% |
2.96% |
| 48 months |
3.25% |
3.20% |
| 60 months |
3.25% |
3.20% |
| Mimum Deposit for Certificates is $500.00,Minimum Deposit for IRA Certificates is $1,000.00, |
| Minimum Term for IRA Certificates is 12 months |
|
| Early withdrawal penalties will be imposed, based on maturity of certificate. For certificates 90 days in maturity or less, a penalty will equal 90 days dividends on the amount withdrawn, maturities of six months and greater will have a penalty of six months dividends. All penalties will be incurred whether the dividends have been earned or not. |
| Automobile Loans** |
| Term |
New Cars |
Used Cars |
| Up to 60 months |
as low as 4.99% APR |
as low as 4.99% APR |
| Terms of repayment: |
60 monthly payments of |
60 monthly payments of |
| |
$18.87 per $1,000 borrowed |
$18.87 per $1,000 borrowed |
| ** The rate you pay will be determined by the term of the loan and your credit history available on approved credit |
| Personal Loans** |
| Term |
Annual Percentage Rate |
Terms of Repayment |
| Up to 24 Months |
as low as 8.75% |
24 monthly payments of |
| |
|
$45.59 per $1,000 borrowed. |
| Up to 48 Months |
as low as 10.75% |
48 monthly payments of |
| |
|
$25.74 per $1,000 borrowed. |
| ** The rate you pay will be determined by the term of the loan and your credit history available on approved credit |
| Home Equity Loans |
| Term |
Annual Percentage Rate |
Terms of Repayment |
| 5 Years |
5.50% |
60 monthly payments of |
| |
|
$19.12 per $1,000 borrowed. |
| 10 Years |
6.00% |
120 monthly payments of |
| |
|
$11.12 per $1,000 borrowed. |
| 15 Years |
6.75% |
180 monthly payments of |
|
|
|
$8.86 per $1,000 borrowed. |
| Share Secured Loans Example of repayment |
| 3% over current share/certificate rate. |
A $1,000 share secured loan, for a 12 month term based on a loan rate of 3.30% APR would have a repayment of $84.96. Maximum term is 36 months. |
