Rates effective as of 01/01/12
| Loans |
Term
|
Rate
|
APR*
|
| New Autos model year 2009-2012 (100% NADA value) |
5 yrs |
5.95% - 7.95% |
5.95-7.95 APR |
| |
6 yrs |
6.50% - 8.50% |
6.50-8.50 APR |
| |
|
|
|
| Used Autos model year 2006-2008 (90% NADA value) |
5 yrs |
7.75% - 9.75% |
7.75-9.75 APR |
| Used Autos model year 2002-2005 (80% NADA value) |
3 yrs |
8.75 %-10.75% |
8.75-10.75 APR |
| Unsecured Signature Loans |
up to 4 years |
12-18% |
12-18% APR |
*APR = Annual Percentage Rate
| Savings |
Minimum Balance
|
Dividend/ Interest Rate
|
APY*
|
| Regular Share Account |
25.00 |
0.35% |
0.35% |
| Christmas Club Account |
None |
0.15% |
0.15% |
| Vacation Club Account |
None |
0.15% |
0.15% |
*APY = Annual Percentage Yield
| Certificates ** |
Minimum Deposit
|
Dividend/ Interest Rate
|
Term
|
APY*
|
| 6 months Certificate of Deposit |
$1,000 |
0.90% |
6 months |
0.90% |
| 1 year Certificate of Deposit |
$1,000 |
1.00% |
1 year |
1.00% |
| |
|
|
|
|
| Effective 10/20/11 |
|
|
|
|
*APY = Annual Percentage Yield
** A penalty will be imposed for early withdrawal
| Credit Cards |
Minimum |
Maximum |
Rates
|
|
Platinum VISA
|
$500 |
$5,000 |
9.9% - 15.9% APR |
|
