Rates
GROW YOUR MONEY WITH OUR GREAT RATES
All Rates Are Effective April 1, 2010
| Account |
Dividend Rate |
APY |
Minimum Opening Balance |
Minimum Balance to earn APY |
| Regular Share Accounts |
|
|
$5.00 |
$0.01 |
| $0.01-$499.99 |
0.150% |
0.15% |
|
|
| $500.00-$1,999.99 |
0.150% |
0.15% |
|
|
| $2,000.00-$9,999.99 |
0.250% |
0.25% |
|
|
| $10,000.00 & up |
0.400% |
0.40% |
|
|
|
|
|
|
|
| Holiday Club |
0.150% |
0.15% |
$5.00 |
$0.01 |
|
|
|
|
|
| Vacation Club |
0.150% |
0.15% |
$5.00 |
$0.01 |
|
|
|
|
|
| Summer Savings Club |
0.150% |
0.15% |
$5.00 |
$0.01 |
|
|
|
|
|
| Young Savers Club |
0.150% |
0.15% |
$5.00 |
$0.01 |
| | IRA Share |
.750% |
.750% |
$200 |
$200 |
| | Tiered Money Market |
|
|
|
|
| $1,000.00-$9,999.99 |
.250% |
.25% |
$1000.00 |
$1000.00 |
| $10,000.00 and over |
.500% |
.50% |
$1000.00 |
$1000.00 |
| Premier Money Market |
|
|
|
|
| $25,000.00 and over |
.750% |
.75% |
$25,000.00 |
$25,000.00 |
| Elite Money Market |
|
|
|
|
| $50,000.00 - $249,999.99 |
1.000% |
1.00% |
$50,000.00 |
$50,000.00 |
| $250,000 and over |
1.240% |
1.25% |
$50,000.00 |
$50,000.00 |
| Interest Checking Accounts |
0.250% |
0.25% |
$200.00 |
$0.01 |
| Senior Checking Accounts |
0.250% |
0.25% |
$0.01 |
$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 |
.750% |
.75% |
.85% |
1.00% |
|
6 Months |
1.000% |
1.00% |
1.10% |
1.25% |
|
1 Year |
1.490% |
1.50% |
1.60% |
1.75% |
|
18 Months |
1.490% |
1.50% |
1.60% |
1.75% |
|
2 Years |
2.230% |
2.25% |
2.35% |
2.50% |
|
3 Years |
2.470% |
2.50% |
2.60% |
2.75% |
|
4 Years |
2.570% |
2.60% |
2.70% |
2.85% |
|
5 Years |
2.960% |
3.00% |
3.10% |
3.25% |
| $100,000 and above |
|
3 Months |
.850% |
.85% |
.95% |
1.10% |
|
6 Months |
1.090% |
1.10% |
1.20% |
1.35% |
|
1 Year |
1.590% |
1.60% |
1.70% |
1.85% |
|
18 Months |
1.590% |
1.60% |
1.70% |
1.85% |
|
2 Years |
2.325% |
2.35% |
2.45% |
2.60% |
|
3 Years |
2.570% |
2.60% |
2.70% |
2.85% |
|
4 Years |
2.670% |
2.70% |
2.80% |
2.95% |
|
5 Years |
3.060% |
3.10% |
3.20% |
3.35% |
| 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).
BUSINESS SHARE ACCOUNTS
| Account |
Dividend Rate |
APY |
Minimum Opening Balance |
Minimum Balance to earn APY |
|
|
|
|
|
| Business Share Accounts |
|
|
$100.00 |
$0.01 |
| $0.01-$499.99 |
0.150% |
0.15% |
|
|
| $500.00-$1,999.99 |
0.150% |
0.15% |
|
|
| $2,000.00-$9,999.99 |
0.250% |
0.25% |
|
|
| $10,000.00 & up |
0.400% |
0.40% |
|
|
|
|
|
|
|
| Business Checking |
|
|
$200.00 |
|
|
|
|
|
|
| Better Business Checking |
0.250% |
0.25% |
$1,000 |
$1,000 |
|
|
|
|
|
| Premier Business Money Market |
1.000% |
1.00% |
$25,000.00 |
$25,000.00 |
|
|
|
|
|
| Elite Money Market |
|
|
$50,000.00 |
$50,000.00 |
| $50,000.00-$249,999.00 |
1.000% |
1.00% |
|
|
| $250.000.00-$499,999.00 |
1.240% |
1.25% |
|
|
| $500,000.00 & up |
1.490% |
1.50% |
|
|
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 |
1.490% |
1.50% |
1.60% |
1.75% |
|
18 Months |
1.490% |
1.50% |
1.60% |
1.75% |
|
2 Years |
2.230% |
2.25% |
2.35% |
2.50% |
|
3 Years |
2.470% |
2.50% |
2.60% |
2.75% |
|
4 Years |
2.570% |
2.60% |
2.70% |
2.85% |
|
5 Years |
2.960% |
3.00% |
3.10% |
3.25% |
| $100,000 and above |
|
1 Year |
1.590% |
1.60% |
1.70% |
1.85% |
|
18 Months |
1.590% |
1.60% |
1.70% |
1.85% |
|
2 Years |
2.325% |
2.35% |
2.45% |
2.60% |
|
3 Years |
2.570% |
2.60% |
2.70% |
2.85% |
|
4 Years |
2.670% |
2.70% |
2.80% |
2.95% |
|
5 Years |
3.060% |
3.10% |
3.20% |
3.35% |
| 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% |
| |
| |
Annual Percentage Rate as low as: |
| |
| 5 Years |
5.24% |
6.24% |
| |
Maximum Loan Amount |
$500,000 |
$100,000 |
| |
| 7 Years and 10 Years |
5.49% |
6.49% |
| |
Maximum Loan Amount |
$500,000 |
$100,000 |
| |
| 15 Years |
5.74% |
6.74% |
| |
Maximum Loan Amount |
$500,000 |
$100,000 |
Fixed, variable and balloon rates available. Rates subject to change without notice.
For a loan amount of $10,000 at 5.24% APR, you would make 60 monthly payments of $18.98 per $1,000 borrowed. APR may vary depending on individual credit history.
HOME EQUITY LINE OF CREDIT
| % of Home Value |
|
|
| |
| 80% |
As low as |
2.74% APR |
| |
| 90% |
As low as |
3.74% 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 |
3.24% |
3.14% |
2.99% |
| |
| 36 Months |
3.49% |
3.39% |
3.24% |
| |
| 48 Months |
3.74% |
3.64% |
3.49% |
| |
| 60 Months |
3.99% |
3.89% |
3.74% |
| |
| 72 Months |
4.24% |
4.14% |
3.99% |
| |
| 84 Months |
4.49% |
4.39% |
4.24% |
| * Loans can be borrowed for up to 115% 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 |
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 115% 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 |
4.24% |
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 115% 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 |
4.24% |
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 115% 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 |
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 115% 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 |
5.24% |
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 115% 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 |
|
