Rate Information

Share and Savings Products effective 09/14/12
RATE APY MINIMUM DIVIDENDS PAID
REGULAR SHARES   .25%   .25% $25.00 Quarterly
IRA SHARES 1.00% 1.00% —– Quarterly
SPECIAL SHARES   .25%   .25% —– Quarterly
CLUB ACCOUNTS   .25%   .25% —– Annually
CHECKING ACCOUNT   .05%  .05% —– Monthly
MONEY MARKETS 0.30% 0.30% $2,500-$9,999 Monthly
0.35% 0.35% $10,000-$49,999 Monthly
0.40% 0.40% $50,000-$74,999 Monthly
0.45% 0.45% $75,000-$99,999 Monthly
0.50% 0.50% $100,000 and above Monthly
CERTIFICATES
  6 month 0.50% 0.50% $2,000 and above Monthly
12 month 0.50% 0.50% $500-$1,999 Monthly
12 month 0.60% 0.60% $2,000 and above Monthly
24 month 0.90% 0.90% $500-$1,999 Monthly
24 month 1.00% 1.00% $2,000 and above Monthly
36 month 1.19% 1.20% $2,000 and above Monthly
IRA TRADITIONAL & ROTH
  6 month 0.50% 0.50% $2,000 and above Monthly
12 month 0.50% 0.50% $500-$1,999 Monthly
12 month 0.60% 0.60% $2,000 and above Monthly
24 month 0.90% 0.90% $500-$1,999 Monthly
24 month 1.00% 1.00% $2,000 and above Monthly
36 month 1.19% 1.20% $2,000 and above Monthly
ESA EDUCATIONAL
CLOVERDELL (ESA)
SAME TERM AND RATE AS IRA CERTIFICATES

APY = Annual Percentage Yield

 

LOANS PRODUCTS
PERSONAL/SIGNATURE †
effective 08/08/13
APR
24 MONTHS to 48 MONTHS As low as 9.00%

 

SHARE/CERTIFICATE
SECURED †
Interest Rate subject to change based on rate paid on pledge account (see loan liner Addendum)
APR
Term matches that of the pledged share or certificate Dividend or Interest Rate on pledged account + 2.00%

 

VEHICLE LOANS † New and Used Automobiles and motorcycles
NEW-APR USED-APR USED 4+ YRS OLD-APR
24 MONTHS As low as 2.50% As low as 4.00% As low as 4.50%
36 MONTHS As low as 2.50% As low as 4.00% As low as 4.50%
48 MONTHS As low as 2.75% As low as 4.00% As low as 4.50%
60 MONTHS As low as 3.00% As low as 4.00% As low as 4.50%
72 MONTHS As low as 3.50% As low as 4.50% —–
84 MONTHS As low as 4.00% —– —–

 

OTHER TITLED VEHICLES † RVs, ATVs, Campers, Snow Machines, Boats
NEW-APR USED-APR USED 4+ YRS OLD-APR
24 MONTHS As low as 5.00% As low as 5.00% As low as 5.50%
36 MONTHS As low as 5.00% As low as 5.00% As low as 5.50%
48 MONTHS As low as 5.00% As low as 5.00% As low as 5.50%
60 MONTHS As low as 5.00% As low as 5.00% As low as 5.50%
72 MONTHS As low as 5.50% As low as 5.50% As low as 6.00%
84 MONTHS As low as 6.00% As low as 6.00% As low as 6.50%

 

OTHER SECURED † Stocks, Bonds, Negotiable Certificates of Deposit, and Other
APR
24 MONTHS As low as 6.80%
36 MONTHS As low as 6.80%
48 MONTHS As low as 6.80%

† Loan rates are listed “as low as” and are determined by the term of the loan and an evaluation of your creditworthiness. All rates quoted are subject to change. Your rate may vary from the rate shown above. APR=Annual Percantage Rate. Member’s agreeing to pay their loans via electronic funds transfer may qualify for a 1/4 of 1% reduction in APR.