Rates are as of July 20, 2010 and are subject to change.

TYPE OF ACCOUNT

CURRENT RATE-APY

MINIMUM BALANCE

     
Passbook (Savings) 0.75 - 0.75% $ 25.00
N.O.W. (Checking) 0.25 - 0.25% 0.00
Money Market 0.25 - 0.25% 2,000.00
Money Market 0.25 -  0.25% 10,000.00
HSA 2.00 - 2.02% 50.00
IRA 2.00 - 2.02% 50.00
Certificate of Deposit  
3 Month 0.75 - 0.75% 500.00
6 Month 1.05 - 1.05% 2,500.00
1 Year 1.39 - 1.40%      5,000.00
1 Year  1.64 - 1.65%* 50,000.00
18 Month 1.49 - 1.50% 10,000.00
18 Month  1.74 - 1.75%* 50,000.00
2 Year 1.50 - 1.51% 10,000.00
2 Year   1.75 - 1.76%* 50,000.00
30 Month 2.31 - 2.33% 10,000.00
30 Month   2.55 - 2.58%* 50,000.00
3 Year 2.31 - 2.33% 10,000.00
3 Year   2.55 - 2.58%* 50,000.00
Kids' 1 Year CD
(0-18 Yrs. old)
1.39 - 1.40% $200.00 min. deposit

*CD's with a min. bal. of $500 will be 0.25% lower than current rate*
**CD's over $50,000.00 can have interest paid monthly**

 

30 Yr. Mortgage  
Real Estate (1st-90%) 5.25% (Prime Rate + 2.50%)
Real Estate (1st - 80%) 5.25% (Prime Rate + 2.50%)
Real Estate (Fixed) 9.00%  
20 Yr. Mortgage  
Real Estate (1st-90%) 5.25% (Prime Rate + 2.50%)
Real Estate (1st - 80%) 5.25% (Prime Rate + 2.50%)
     
Other Loans  
Mobile Home 11.00%  
Agriculture 12.50%  
Signature 12.00%  
Line of Credit 14.50%  
Share Loan (2 Yr. Loan)   2.00% (over passbook rate)
Share Loan (Over 2 Yrs.)   3.00% (over passbook rate)
Certificate Loans   2.00% (over C.D. rate)
Other 12.00%  
     
Vehicles and Motorcycles  
New Vehicles 72 months  
2006-2009 60 months  
2003-2005 48 months  
2000-2002 36 months  
1999-0lder 24 months  
 
Beacon Score Rate Loan %
730 + 5 Yr + Debt Ratio 5.4% 100%
700+ 6.4% 100%
650-699 8.4% 90%
600-649 11.4% 80%
550-599 12.4% 70%
549- 13.4% 70%
*Vehicle rate will vary depending on the applicant's Beacon score*
**599-550 must have a co-signor that has a beacon score above 650 & below 550 must have a co-signor that has a Beacon score over 700.  Members with no beacon score will be in the 600-649 category**


The Economic Stabilization Act of 2008 increased the 
insurance coverage on all accounts up to $250,000 until December 2009.

We do business in accordance

with the Federal Fair Housing Law and

The Equal Credit Opportunity Act.