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Rates
Consumer Loans
| Signature or Personal |
| Effective Date: November 15, 2008 |
| Credit limit varies according to each member's credit history. |
| Term | Base Rate (APR) |
| 0-12 month |
9.99% |
| 13-24 month |
9.99% |
| 25-48 month |
9.99% |
| 49-60 month |
9.99% |
| Line of Credit |
| Effective Date: November 15, 2008 |
| Unsecured or Secured by auto |
| Base Rate (APR) | Limit | Payment | Notes |
| 9.25% |
Credit Limit varies according to each member's credit history, |
Payment varies according to balance. |
Variable Rate |
| Overdraft Protection |
| Effective Date: November 15, 2008 |
| Base Rate (APR) | Limit | Payment | Notes |
| 18.00% |
Credit Limit varies according to each member's credit history, |
Payment varies according to balance. |
Variable Rate |
| Vehicle Loans |
| Effective Date: November 15, 2008 |
| Type | Base Rate (APR) | Rate | Term | LTV |
| Models 1999 and older |
(Adjusted by Credit Score) |
6.50% |
60 month |
110% of NADA value |
| Models 2000-2008 |
(Adjusted by Credit Score)
Add 0.50% for 72 months
Add 1.00% for 84 months |
6.50% |
up to 84 months |
110% of NADA value
>$25K - 84 months
>$18K - 72 months |
| Recreational Vehicles |
| Effective Date: September 1, 2008 |
| Includes: Motor Homes, Travel Trailers, Camping Trailers, ATVs and Boats. |
| Term | Base Rate (APR) | Collateral | LTV |
| up to 120 months |
7.75%* |
New |
110% of NADA value |
| up to 120 months |
8.95%* |
Used |
Boats and ATV up to 72 months |
| *Base Rate adjusted by credit score |
| Motorcycles |
| Effective Date: November 15, 20088 |
| New and Used |
| Rate (APR) | Term | LTV |
| 7.50% |
60 Months |
105% |
| Base Rate adjusted by credit score |
| Share Secured |
| Effective Date: September 1, 20088 |
| Term | Rate (APR) |
| 84 months |
Minimum Rate 3.95% - or 2.75% above CD rate |
Real Estate Loans
| Home Equity Loans |
| Effective Date: November 15, 20088 |
| Rates adjusted by credit score |
| Term | Base Rate (APR) |
| up to 60 months |
6.50% |
| up to 84 months |
6.50% |
| up to 120 months |
7.50% |
| up to 180 months |
7.50% |
| up to 240 months |
8.75% |
Investment Rates
| Shares (Regular) |
| Effective Date: November 1, 2008 |
| Balance | Period | Rate | APY* |
| $50.01-$750 |
Quarter |
0.25% |
0.25% |
| $750.01-$9,999 |
Quarter |
1.49% |
1.50% |
| over $10,000 |
Quarter |
1.98% |
2.00% |
| Share Drafts |
| Effective Date: November 15, 2008 |
| Balance | Period | Rate | APY* |
| $0-$500 |
Monthly |
0.00% |
0.00% |
| $500.01-$2,499 |
Monthly |
0.10% |
0.10% |
| $2,500-$4,999 |
Monthly |
0.25% |
0.25% |
| over $5,000 |
Monthly |
0.50% |
0.50% |
| Money Market |
| Effective Date: November 1, 2008 |
| Regular and IRA |
| Balance | Period | Rate | APY* |
| $0-$2,500 |
Monthly |
|
0.25% |
| $2,500.01-$9,999 |
Monthly |
|
1.50% |
| $10,000-$24,999 |
Monthly |
|
1.75% |
| $25,000-$49,999 |
Monthly |
|
2.25% |
| $50,000-$100,000 |
Monthly |
|
2.50% |
| over $100,000 |
Monthly |
|
2.50% |
| Certificates |
| Effective Date: November 15, 2008 |
| Regular and IRA |
| Balance | Period | Rate | APY* |
| $500.00 |
6 months |
|
2.90% |
| $500.00 |
12 months |
|
3.05% |
| $500.00 |
18 months |
|
3.25% |
| $500.00 |
24 months |
|
3.35% |
| $500.00 |
36 months |
|
3.50% |
| $500.00 |
48-60 months |
|
4.15% |
| Special CDs |
| Effective Date: November 15, 2008 |
| Regular and IRA |
| Balance | Period | Rate | APY* |
| $50,000.00 |
12 months |
|
3.25% |
| $50,000.00 |
24 months |
|
3.75% |
| $50,000.00 |
60 months |
|
4.65% |
| New Money Only |
APR = Annual Percentage Rate
APY = Annual Percentage Yield
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