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offers the following
competitive rates to its members. Below is a
listing of our most popular loans. If you don't
see a particular loan listed, just contact
us.
Keep in
mind that with excellent credit, you may qualify for our
lowest rate! If you like our rates, you might want
to calculate an approximate payment, or apply for the
loan now.
Share
Rates
| Account
Type |
Annual
Percentage
Rate (APR) |
Annual
Percentage
Yield (APY) |
Minimum
Balance To
Earn Dividend |
| Capital Share (Money Market) |
| $500 - $2,500 |
1.25% |
1.26% |
$500 |
| $2,500 - $5,000 |
1.25% |
1.26% |
$500 |
| $5,001 - $10,000 |
1.25% |
1.26% |
$500 |
| $10,000 - Up |
1.25% |
1.26% |
$500 |
| Advantage
Capital Share |
| $5,000 + |
1.50% |
1.51% |
$5,000 |
| Plus
Share Draft (Checking with Interest) |
| $1,500 - $5,000 |
0.50% |
0.50% |
$1,500 |
| $5,001 - $10,000 |
0.50% |
0.50% |
$1,500 |
| $10,001 - Up |
0.50% |
0.50% |
$1,500 |
| Plus
Time Share Draft (Checking for 50+) |
| $1,500 - $5,000 |
0.50% |
0.50% |
$100 |
| $5,001 - $10,000 |
0.50% |
0.50% |
$100 |
| $10,001 - Up |
0.50% |
0.50% |
$100 |
| Individual
Retirement Account |
| |
2.00% |
2.02% |
$100 |
| Regular
Shares |
| $100 - $2,500 |
1.00% |
1.01% |
$100 |
| $2,501 - $5,000 |
1.00% |
1.01% |
$100 |
| $5,001 - $10,000 |
1.00% |
1.01% |
$100 |
| $10,000 - Up |
1.00% |
1.01% |
$100 |
| Christmas
Club |
| |
1.00% |
1.01% |
$100 |
| Vacation
Club |
| |
1.00% |
1.01% |
$100 |
|
*Rates and Terms are subject to change without
notice. Rates shown are effective 06/30/2003 |
Share
Certificate Rates
| Account
Type |
Annual
Percentage
Rate (APR) |
Annual
Percentage
Yield (APY) |
Minimum
Deposit |
| Certificates
of Deposit |
| 3 Month |
1.50% |
1.51% |
$500 |
| 6 Month |
1.65% |
1.66% |
$500 |
| 12 Month |
1.70% |
1.71% |
$500 |
| 18 Month |
1.80% |
1.81% |
$500 |
| 24 Month |
1.90% |
1.92% |
$500 |
| 36 Month |
2.10% |
2.12% |
$500 |
| 48 Month |
2.40% |
2.43% |
$500 |
| 60 Month |
2.65% |
2.68% |
$500 |
| Jumbo
Certificates |
| $25,000 |
rate
above + .20% |
$25,000 |
| $50,000 |
rate
above + .30% |
$50,000 |
| $75,000 |
rate
above + .40% |
$75,000 |
|
*Rates and Terms are subject to change without
notice. Rates shown are effective as of 06/30/2003 |
Loan
Rates
|
Subaccount
Description
|
Approximate
Term |
Daily
Periodic
Rate |
Annual
Percentage
Rate |
| New
Vehicles |
Current
year &
< 10,000 miles |
60 Mos. |
0.0130136% -
0.0383565% |
4.75% - 14.0% |
| > $15,000 |
72 Mos. |
0.0157534% -
0.041096% |
5.75% - 15.0% |
| Used
Vehicles |
| < 5 years old |
60 Mos. |
0.0130136% -
0.041096% |
4.75% - 15.0% |
| < 10 years old |
24 to 36 Mos. |
0.0184931% -
0.043836% |
6.75% - 16.00% |
| Boats & Motor Homes |
| Current Model |
60 Mos. |
0.019863% -
0.043151% |
7.25% - 15.75% |
| |
up to 84 Mos. |
0.0226027% -
0.044521% |
8.25% - 16.25% |
| <
5 years old |
60 Mos. |
0.0212328% -
0.044521% |
7.75% - 16.25% |
| Share
& Certificate Secured |
| |
60 Mos. |
Share
Certificate Rate + 3.00% |
| Signature
Loans |
| |
0 to 36 Mos. |
0.0219178% -
0.049315% |
8.00% - 18.00% |
| |
36 to 60 Mos. |
0.0246575% -
0.049315% |
9.00% - 18.00% |
| Home
Equity Loans |
| |
4.00% -
6.00% |
| Mortgage Loans |
| 10 Year
Mortgage Loan |
5.5% |
|
*Rates and Terms are subject to change without
notice. Rates shown are effective as of 06/30/2003 |
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