Rates
GROW YOUR MONEY WITH OUR GREAT RATES
All Rates Are Effective July 11, 2008
| Account |
Dividend Rate |
APY |
Minimum Opening Balance |
Minimum Balance to earn APY |
|
|
|
|
|
| Regular Share Accounts |
|
|
$5.00 |
$0.01 |
| $0.01-$499.99 |
0.250% |
0.25% |
|
|
| $500.00-$1,999.99 |
0.250% |
0.25% |
|
|
| $2,000.00-$9,999.99 |
0.350% |
0.35% |
|
|
| $10,000.00-$49,999.99 |
0.600% |
0.60% |
|
|
| $50,000.00 & up |
0.700% |
0.70% |
|
|
|
|
|
|
|
| Holiday Club |
0.750% |
0.75% |
$5.00 |
$0.01 |
|
|
|
|
|
| Vacation Club |
0.750% |
0.75% |
$5.00 |
$0.01 |
|
|
|
|
|
| Summer Savings Club |
0.750% |
0.75% |
$5.00 |
$0.01 |
|
|
|
|
|
| Young Savers Club |
0.750% |
0.75% |
$5.00 |
$0.01 |
|
| IRA Share |
1.240% |
1.25% |
$200 |
$200 |
|
Tiered Money Market |
|
|
|
|
| $1,000.00-$9,999.99 |
1.00% |
1.00% |
$1000.00 |
$1000.00 |
| $10,000.00 and over |
1.240% |
1.25% |
$1000.00 |
$1000.00 |
| Premier Money Market |
|
|
|
|
$25,000.00 and over |
1.980% |
2.00% |
$25,000.00 |
$25,000.00 |
Elite Money Market |
|
|
|
|
$50,000.00 - $249,999.99 |
2.720% |
2.75% |
$50,000.00 |
$50,000.00 |
| $250,000 and over |
3.445% |
3.50% |
$50,000.00 |
$50,000.00 |
| Interest Checking Accounts |
0.350% |
0.35% |
$200.00 |
$0.01 |
Senior Checking Accounts |
0.350% |
0.35% |
|
$0.01 |
Rates subject to change without notice. Rate may change after account opening. Fees may reduce earnings on the account.
SHARE CERTIFICATES
|
| Balance Requirements |
Term |
Dividend Rate |
Annual Percentage Yield-Basic |
Annual Percentage Yield-Gold+ |
Annual Percentage Yield-Platinum++ |
| $500-$99,999.99 |
|
3 Months |
2.470% |
2.50% |
2.60% |
2.75% |
|
6 Months |
2.720% |
2.75% |
2.85% |
3.00% |
|
1 Year |
3.690% |
3.75% |
3.85% |
4.00% |
|
18 Months |
3.930% |
4.00% |
4.10% |
4.25% |
|
2 Years |
3.930% |
4.00% |
4.10% |
4.25% |
|
3 Years |
4.170% |
4.25% |
4.35% |
4.50% |
|
4 Years |
4.410% |
4.50% |
4.60% |
4.75% |
|
5 Years |
4.650% |
4.75% |
4.85% |
5.00% |
| $100,000 and above |
|
3 Months |
2.570% |
2.60% |
2.70% |
2.85% |
|
6 Months |
2.810% |
2.85% |
2.95% |
3.10% |
|
1 Year |
3.780% |
3.85% |
3.95% |
4.10% |
|
18 Months |
4.025% |
4.10% |
4.20% |
4.35% |
|
2 Years |
4.025% |
4.10% |
4.20% |
4.35% |
|
3 Years |
4.270% |
4.35% |
4.45% |
4.60% |
|
4 Years |
4.510% |
4.60% |
4.70% |
4.85% |
|
5 Years |
4.750% |
4.85% |
4.95% |
5.10% |
| Rates subject to change without notice. Penalty for early withdrawal. |
+ Gold Relationship status is achieved with a $20,000 total household deposit and loan balance (excluding first mortgages).
++ Platinum Relationship status is achieved with a $50,000+ total household deposit and loan balance (excluding first mortgages).
IRA CERTIFICATES
|
| Balance Requirements |
Term |
Dividend Rate |
Annual Percentage Yield - Basic |
Annual Percentage Yield - Gold+ |
Annual Percentage Yield - Platinum++ |
| $500-$99,999.99 |
|
1 Year |
3.690% |
3.75% |
3.85% |
4.00% |
|
18 Months |
3.930% |
4.00% |
4.10% |
4.25% |
|
2 Years |
3.930% |
4.00% |
4.10% |
4.25% |
|
3 Years |
4.170% |
4.25% |
4.35% |
4.50% |
|
4 Years |
4.410% |
4.50% |
4.60% |
4.75% |
|
5 Years |
4.650% |
4.75% |
4.85% |
5.00% |
| $100,000 and above |
|
1 Year |
3.780% |
3.85% |
3.95% |
4.10% |
|
18 Months |
4.025% |
4.10% |
4.20% |
4.35% |
|
2 Years |
4.025% |
4.10% |
4.20% |
4.35% |
|
3 Years |
4.270% |
4.35% |
4.45% |
4.60% |
|
4 Years |
4.510% |
4.60% |
4.70% |
4.85% |
|
5 Years |
4.750% |
4.85% |
4.95% |
5.10% |
| Rates subject to change without notice. Penalty for early withdrawal. * |
+ Gold Relationship status is achieved with a $20,000 total household deposit and loan balance (excluding first mortgages).
++ Platinum Relationship status is achieved with a $50,000+ total household deposit and loan balance (excluding first mortgages).
FIXED HOME EQUITY LOANS*
Loan to Value |
80% |
90% |
100% |
| |
| |
Annual Percentage Rate as low as: |
| |
| 5 Years |
5.49% |
6.49% |
7.49% |
| |
Maximum Loan Amount |
$500,000 |
$100,000 |
$50,000 |
| |
| 7 Years and 10 Years |
5.99% |
6.99% |
7.99% |
| |
Maximum Loan Amount |
$500,000 |
$100,000 |
$50,000 |
| |
| 15 Years |
6.49% |
7.49% |
8.49% |
| |
Maximum Loan Amount |
$500,000 |
$100,000 |
$50,000 |
Fixed, variable and balloon rates available. Rates subject to change without notice.
For a loan amount of $10,000 at 5.49% APR, you would make 60 monthly payments of $19.19 per $1,000 borrowed. APR may vary depending on individual credit history.
HOME EQUITY LINE OF CREDIT
| % of Home Value |
|
|
| |
| 80% |
As low as |
4.49% APR |
| |
| 90% |
As low as |
5.49% APR |
| |
| 100% |
As low as |
6.49% APR |
Annual Percentage Rate subject to change without notice. The maximum Annual Percentage Rate that can apply is 18% or the maximum permitted by law, whichever is less. APR may vary depending on individual credit history.
NEW VEHICLES*
20% Down
Term |
Annual Percentage Rate*(APR) - Basic |
Annual Percentage Rate*(APR) - Gold+ |
Annual Percentage Rate*(APR) - Platinum++ |
| |
| |
Rates as low as |
Rates as low as |
Rates as low as |
| |
| 24 Months |
3.74% |
3.64% |
3.49% |
| |
| 36 Months |
3.99% |
3.89% |
3.74% |
| |
| 48 Months |
4.24% |
4.14% |
3.99% |
| |
| 60 Months |
4.49% |
4.39% |
4.24% |
| |
| 72 Months |
4.74% |
4.64% |
4.49% |
| |
| 84 Months |
4.99% |
4.89% |
4.74% |
| * Loans can be borrowed for up to 125% of retail value. |
NEW VEHICLES*
10% Down
Term |
Annual Percentage Rate*(APR) - Basic |
Annual Percentage Rate*(APR) - Gold+ |
Annual Percentage Rate*(APR) - Platinum++ |
| |
| |
Rates as low as |
Rates as low as |
Rates as low as |
| |
| 24 Months |
4.24% |
4.14% |
3.99% |
| |
| 36 Months |
4.49% |
4.39% |
4.24% |
| |
| 48 Months |
4.74% |
4.64% |
4.49% |
| |
| 60 Months |
4.99% |
4.89% |
4.74% |
| |
| 72 Months |
5.24% |
5.14% |
4.99% |
| |
| 84 Months |
5.49% |
5.39% |
5.24% |
| * Loans can be borrowed for up to 125% of retail value. |
NEW VEHICLES*
0% Down
Term |
Annual Percentage Rate*(APR) - Basic |
Annual Percentage Rate*(APR) - Gold+ |
Annual Percentage Rate*(APR) - Platinum++ |
| |
| |
Rates as low as |
Rates as low as |
Rates as low as |
| |
| 24 Months |
4.74% |
4.64% |
4.49% |
| |
| 36 Months |
4.99% |
4.89% |
4.74% |
| |
| 48 Months |
5.24% |
5.14% |
4.99% |
| |
| 60 Months |
5.49% |
5.39% |
5.24% |
| |
| 72 Months |
5.74% |
5.64% |
5.49% |
| |
| 84 Months |
5.99% |
5.89% |
5.74% |
| * Loans can be borrowed for up to 125% of retail value. |
USED VEHICLES*
20% Down
Term |
Annual Percentage Rate*(APR) - Basic |
Annual Percentage Rate*(APR) - Gold+ |
Annual Percentage Rate*(APR) - Platinum++ |
| |
| |
Rates as low as |
Rates as low as |
Rates as low as |
| |
| 24 Months |
4.74% |
4.64% |
4.49% |
| |
| 36 Months |
4.99% |
4.89% |
4.74% |
| |
| 48 Months |
5.24% |
5.14% |
4.99% |
| |
| 60 Months |
5.49% |
5.39% |
5.24% |
| |
| 72 Months |
5.74% |
5.64% |
5.49% |
| |
| 84 Months |
5.99% |
5.89% |
5.74% |
| * Loans can be borrowed for up to 125% of retail value. |
USED VEHICLES*
10% Down
Term |
Annual Percentage Rate*(APR) - Basic |
Annual Percentage Rate*(APR) - Gold+ |
Annual Percentage Rate*(APR) - Platinum++ |
| |
| |
Rates as low as |
Rates as low as |
Rates as low as |
| |
| 24 Months |
5.24% |
5.14% |
4.99% |
| |
| 36 Months |
5.49% |
5.39% |
5.24% |
| |
| 48 Months |
5.74% |
5.64% |
5.49% |
| |
| 60 Months |
5.99% |
5.89% |
5.74% |
| |
| 72 Months |
6.24% |
6.14% |
5.99% |
| |
| 84 Months |
6.49% |
6.39% |
6.24% |
| * Loans can be borrowed for up to 125% of retail value. |
USED VEHICLES*
0% Down
Term |
Annual Percentage Rate*(APR) - Basic |
Annual Percentage Rate*(APR) - Gold+ |
Annual Percentage Rate*(APR) - Platinum++ |
| |
| |
Rates as low as |
Rates as low as |
Rates as low as |
| |
| 24 Months |
5.74% |
5.64% |
5.49% |
| |
| 36 Months |
5.99% |
5.89% |
5.74% |
| |
| 48 Months |
6.24% |
6.14% |
5.99% |
| |
| 60 Months |
6.49% |
6.39% |
6.24% |
| |
| 72 Months |
6.74% |
6.64% |
6.49% |
| |
| 84 Months |
6.99% |
6.89% |
6.74% |
| * Loans can be borrowed for up to 125% of retail value. |
All Annual Percentage Rates (APR) subject to change without notice. Certain restrictions may apply. APR may vary depending on individual credit history and age of vehicle.
+ Gold Relationship status is achieved with a $20,000 total household deposit and loan balance (excluding first mortgages).
++ Platinum Relationship status is achieved with a $50,000+ total household deposit and loan balance (excluding first mortgages).
PERSONAL/UNSECURED
| Up to $50,000 maximum |
| |
Up to 60 Months |
As low as |
9.75% APR |
OTHER LOANS
|
| STUDENT LOANS-SUBSIDIZED (Undergrad) |
6.00%APR |
|
| STUDENT LOANS-SUBSIDIZED (Graduate) |
6.80%APR |
|
| STUDENT LOANS-UNSUBSIDIZED |
6.80%APR |
|
| FEDERAL PLUS LOAN |
8.50%APR |
*Minimum finance charge of $0.50 applies. 1% Foreign Transaction Fee applies.
|
