|
| Rates |
* Annual Percentage Rate
**Annual Percentage Yield |
Share Rates
(Effective November 1, 2011) |
| Shares |
APR* |
APY** |
Requirements |
Dividends
Paid |
| Master Shares |
0.15% |
0.15% |
If over $50.00 balance |
monthly |
| Other Shares |
0.15% |
0.15% |
If over $50.00 balance |
monthly |
| Pee Wee Penguin |
0.15% |
0.15% |
$5.00 minimum balance |
monthly |
| Holiday Spending |
0.25% |
0.25% |
If over $50.00 balance |
monthly |
| Health Savings |
0.15% |
0.15% |
$5.00-$499.99 |
monthly |
| 0.20% |
0.20% |
$500.00-$2,499.99 |
monthly |
| 0.25% |
0.25% |
$2,500.00-$4,99.99 |
monthly |
| 0.30% |
0.30% |
$5,000.00-$14,999.99 |
monthly |
| 0.40% |
0.40% |
$15,000.00 and above |
monthly |
| Share Draft |
0.00% |
0.00% |
n/a |
n/a |
| Snowbird |
0.15% |
0.15% |
$500.00 minimum balance |
monthly |
| Non-Stop |
0.20% |
0.20% |
$2,500.00 - $9,999.99 |
monthly |
| 0.25% |
0.25% |
$10,000.00- 24,999.99 |
monthly |
| 0.35% |
0.35% |
$25,000 - $49,999.99 |
monthly |
| 0.45% |
0.45% |
$50,000.00 - 99,999.99 |
monthly |
| 0.55% |
0.55% |
$100,000.00 and over |
monthly |
| IRA Shares |
0.30% |
0.30% |
$5.00-$2,499.99 |
monthly |
| 0.40% |
0.40% |
$2,500.00 - $9,999.99 |
monthly |
| 0.60% |
0.60% |
$10,000.00 - 24,999.99 |
monthly |
| 0.75% |
0.76% |
$25,000.00-$49,000.99 |
monthly |
| 1.00% |
1.01% |
$50,000.00-$99,999.99 |
monthly |
| 1.10% |
1.11% |
$100,000.00 and above |
monthly |
| Certificates |
Certificates |
APR* |
APY** |
Requirements |
Dividends
Paid |
| 6-Month Certificate |
0.50% |
0.50% |
$500 Minimum Balance |
Maturity |
| 12-Month Certificate |
0.70% |
0.70% |
$500 Minimum Balance |
Quarterly |
| 24-Month Certificate |
1.00% |
1.01% |
$500 Minimum Balance |
Quarterly |
| 36-Month Certificate |
1.15% |
1.16% |
$500 Minimum Balance |
Quarterly |
Pick a term
48-60 month Certificate |
1.75% |
1.76% |
$500 Minimum Balance |
Quarterly |
| 6-Month IRA Certificates |
0.50% |
0.50% |
$500 Minimum Balance |
Maturity |
| 12-Month IRA Certificate |
0.70% |
0.70% |
$500 Minimum Balance |
Quarterly |
| 24-Month IRA Certificate |
1.00% |
1.01% |
$500 Minimum Balance |
Quarterly |
| 36-Month IRA Certificate |
1.15% |
1.16% |
$500 Minimum Balance |
Quarterly |
Pee Wee Penguin
12 Month Certificate |
0.70% |
0.70% |
$100 minimum balance |
Quarterly |
Consumer Loans
(Effective April 11, 2011) |
| Credit Rating |
750+ |
749-700 |
699-650 |
649-600 |
599-550 |
<550 |
| Auto Loans |
| |
APR* |
APR* |
APR* |
APR* |
APR* |
APR* |
| 24 Month |
3.89% |
4.49% |
5.49% |
7.29% |
9.79% |
13.79% |
| 36 Month |
3.89% |
4.49% |
5.79% |
7.59% |
9.99% |
13.99% |
| 48 Month |
3.89% |
4.49% |
5.99% |
7.79% |
10.29% |
14.29% |
| 60 Month |
3.89% |
4.49% |
6.25% |
7.99% |
10.49% |
14.49% |
| 72 Month |
5.49% |
5.99% |
6.99% |
8.79% |
11.29% |
15.29% |
| Unsecured Signature |
| |
APR* |
APR* |
APR* |
APR* |
APR* |
APR* |
| 12 Month |
8.00% |
9.00% |
10.00% |
13.50% |
18.00% |
18.00% |
| 24 Month |
8.50% |
9.50% |
10.50% |
14.00% |
18.00% |
18.00% |
| 36 Month |
9.50% |
10.50% |
11.50% |
15.00% |
18.00% |
18.00% |
| Personal Line of Credit (Variable Rate Feature) |
| |
APR* |
APR* |
APR* |
APR* |
APR* |
APR* |
| |
7.75% |
8.25% |
9.25% |
12.25% |
17.50% |
17.50% |
| Recreational Vehicles and Equipment |
| New |
APR* |
APR* |
APR* |
APR* |
APR* |
APR* |
| 12 Month |
5.25% |
5.40% |
6.00% |
7.50% |
9.50% |
13.50% |
| 24 Month |
5.25% |
5.40% |
6.25% |
7.75% |
9.75% |
13.75% |
| 36 Month |
5.25% |
5.40% |
6.50% |
8.00% |
10.00% |
14.00% |
| 48 Month |
5.25% |
5.40% |
6.75% |
8.25% |
10.25% |
14.25% |
| 60 Month |
5.25% |
5.40% |
7.00% |
8.50% |
10.50% |
14.50% |
| 84 Month |
6.75% |
6.90% |
7.50% |
9.00% |
11.00% |
15.00% |
| Used |
APR* |
APR* |
APR* |
APR* |
APR* |
APR* |
| 12 Month |
5.50% |
5.65% |
6.25% |
7.75% |
9.75% |
13.75% |
| 24 Month |
5.75% |
5.90% |
6.50% |
8.00% |
10.00% |
14.00% |
| 36 Month |
5.75% |
5.90% |
6.75% |
8.25% |
10.25% |
14.25% |
| 48 Month |
5.75% |
5.90% |
7.00% |
8.50% |
10.50% |
14.50% |
| 60 Month |
5.75% |
5.90% |
7.50% |
9.00% |
11.00% |
15.00% |
| 84 Month |
7.25% |
7.40% |
8.00% |
9.50% |
11.50% |
15.50% |
| Home Equity Loans |
| Member Credit Score |
| |
750+ |
749-700 |
699-650 |
649-600 |
550-599 |
<500 |
| 2nd Mortgage |
APR* |
APR* |
APR* |
APR* |
APR* |
APR* |
| 5 yr |
80% LTV* |
5.95% |
6.20% |
6.75% |
7.75% |
9.25% |
10.75% |
| |
100% LTV* |
6.45% |
6.70% |
7.25% |
8.25% |
10.25% |
11.75% |
| 10 yr |
80% LTV* |
6.25% |
6.75% |
7.25% |
8.75% |
9.75% |
11.50% |
| |
100% LTV* |
7.00% |
8.25% |
8.75% |
9.75% |
10.75% |
12.50% |
| Home Equity LOC** |
7/1/11
PRIME 3.25% |
|
|
|
|
| |
80% LTV* |
4.00% |
4.75% |
5.75% |
7.75% |
N/A |
N/A |
| |
100% LTV* |
4.75% |
5.75% |
6.75% |
8.75% |
N/A |
N/A |
| *Loan-to-Value |
| **Prime determined Jan. 1 & July 1 each year |
| Rates are variable and may change semiannually on 2/15 and 8/15 |
| Other Loans |
| Type |
Term |
APR* |
| Airplane |
60 months |
6.99% |
| 120 months |
8.49% |
| Line-of-Credit/Overdraft Protection |
N/A |
18.00% |
| Visa Credit Card |
N/A |
14.40% |
| Share/CD Secured |
2% over rate of security |
|
| • To apply for a loan click here |
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