Rates










LoansCertificates

Rates effective February 1, 2012.  Rates subject to change without notice.

 

Actual rates will vary according to the applicant's credit worthiness, loan term, and security. Actual rate wll be determined after loan application is submitted and processed. 

Loan type

Rates as low as

APR*

Maximum term

 

Personal 

     

 

  1-18 months

7.25%

7.25%

18 months

Calculator

  19-26 months

7.75%

7.75%

36 months

Calculator

         

New Motor Vehicle  90% financing       

 

 

 

 

  1-24 months

3.25%

 3.25%

24 months

Calculator

  25-48 months

3.50%

3.50%

48 months

Calculator

  49-72 months

4.00%

4.00%

72 months

Calculator

         
New Motor Vehicle 100% financing        
  1-24 months

3.75%

3.75%

24 months

Calculator

  25-48 months

4.00%

4.00%

48 months

Calculator

  49-72 months

4.50%

4.50%

72 months

Calculator

         

Used Motor Vehicle-NADA trade in

     

 

  1-24 months

4.00%

 4.00%

24 months

Calculator
  25-48 months

4.25%

4.25%

48 months

Calculator
  49-60 months

4.75%

4.75%

60 months

Calculator

  • The above rates may be discounted by .25% for payroll deduction or Direct Deposit payments.  (Does not include payments made by internal transfer, unless member has Direct Deposit.)
  • The above rates may be discounted by .25% for members with an active checking account. (Account open at least three months, with no history of overdrafts in last three months.)
  • Minimum rate:  3.00%

Rates subject to change without notice.

 

APR = Annual Percentage Rate


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Share Certificate rates effective for the month of February, 2012.

Rates subject to change without notice.

Certificates Dividend Rate APY*
Share certificates    
$500 minimum balance    
     6 month term

0.47%

0.471%
    12 month term 0.67% 0.672%
    24 month term 0.87% 0.873%
    36 month term 1.07% 1.074%
$10,000 minimum balance    
     6 month term 0.57% 0.571%
    12 month term 0.77% 0.772%
    24 month term 0.97% 0.974%
    36 month term 1.17% 1.1795%
     
IRA Certificates    
$2,000 minimum balance    
    12 month term 0.82% 0.823%
    24 month term 1.02% 1.024%
    36 month term 1.22% 1.226%
$10,000 mimimum balance    
     12 month term 1.02%

1.024%

     24 month term 1.22% 1.226%
     36 month term 1.42% 1.428%

 

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