SHARE RATES
Rates effective as of 1/01/12
Regular Share Account (Savings)
Account Balance |
APY* |
$500.00 to $2499.99 |
0.25% |
$2500.00 to $24,999.99 |
0.25% |
$25,000.00 to $49,999.99 |
0.25% |
$50,000.00 and Up |
0.25% |
* APY=Annual Percentage Yield
Rates may change after account is opened. A minimum balance of $500.00
must be maintained to earn the annual percentage yield. Fees and other
conditions could reduce the earnings.
Share Certificates
$500.00 and Up in Even $100.00s
Term of Certificate |
APY* |
6 Months |
0.75% |
12 Months |
1.00% |
18 Months |
1.00% |
* APY=Annual Percentage Yield
A penalty equal to the accrued interest on the amount withdrawn will be
imposed if any funds are withdrawn before the maturity date.
Individual Retirement Account (IRA)
Account Balance |
APY* |
$25.00 and Up |
1.00% |
Christmas and Vacation Clubs
Account Balance |
APY* |
$25.00 and Up |
0.25% |
Share Draft (Checking)
Account Balance |
APY* |
$25.00 and Up |
0.25% |
* APY=Annual Percentage Yield
Rates may change after account is opened. A minimum balance of $25.00
must be maintained to earn the annual percentage yield. Fees and other
conditions could reduce the earnings.
LOAN RATES
Rates effective as of 1/01/12
Collateral Loans
| Loan Term |
A |
B |
C |
D |
E |
| Up to
24 Months |
4.75% |
6.75% |
9.75% |
12.75% |
18.00% |
| Up to
36 Months |
5.00% |
7.00% |
10.00% |
13.00% |
18.00% |
| Up to
48 Months |
5.25% |
7.25% |
10.25% |
13.25% |
18.00% |
| Up to
60 Months |
5.75% |
7.75% |
11.25% |
14.25% |
18.00% |
| Up to
72 Months* |
6.25% |
8.25% |
- |
- |
- |
| DEBT RATIO |
50% |
45% |
45% |
45% |
45% |
| UNSECURED
DEBT RATIO |
35% |
35% |
30% |
30% |
30% |
Chapter 7 bankruptcy discharged for 1 year.
Chapter 13 bankruptcy discharged for 1 year.
*at least $25,000.00 financed and new vehicles only.
MAX 100% FINANCING ON ALL COLLATERAL.
COLLATERAL DECREASES 1.0% FOR 80% OF MSO.
COLLATERAL DECREASES .50% FOR 90% OF MSO.
Savings Secured
Two Points above the rate of Savings. Or the lowest collateral loan
rate - whichever is best for member.
For example certificate pays 2%,
then loan rate would be 4%.
Signature Loans
A |
B |
C |
D |
E |
9.99% |
11.99% |
18.00% |
18.00% |
18.00% |
max = ½ monthly income
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