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Rates

GROW YOUR MONEY WITH OUR GREAT RATES
All Rates Are Effective January 1, 2012
Account Dividend Rate APY Minimum Opening Balance Minimum Balance to earn APY
Regular Share Accounts     $5.00 $0.01
$0.01-$499.99 0.100% 0.10%    
$500.00-$1,999.99 0.100% 0.10%    
$2,000.00-$9,999.99 0.150% 0.15%    
$10,000.00 & up 0.300% 0.30%    

Holiday Club 0.100% 0.10% $5.00 $0.01
 
  
  
  
  
Vacation Club 0.100% 0.10% $5.00 $0.01
 
  
  
  
  
Summer Savings Club 0.100% 0.10% $5.00 $0.01
 
  
  
  
  
Young Savers Club 0.100% 0.10% $5.00 $0.01

IRA Share 0.35% 0.350% $200 $200

Tiered Money Market        
$1,000.00-$9,999.99 0.200% 0.20% $1000.00 $1000.00
$10,000.00 and over 0.350% 0.35% $1000.00 $1000.00
Premier Money Market        
$25,000.00 and over 0.450% 0.45% $25,000.00 $25,000.00
Elite Money Market        
$50,000.00 - $249,999.99 0.700% 0.70% $50,000.00 $50,000.00
$250,000 and over 0.800% 0.80% $50,000.00 $50,000.00

Interest Checking Accounts 0.150% 0.15% $200.00 $0.01
Senior Checking Accounts 0.150% 0.15% $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 0.150% 0.15% 0.20% 0.25%
6 Months 0.300% 0.30% 0.35% 0.40%
1 Year 0.750% 0.75% 0.80% 0.85%
18 Months 0.750% 0.75% 0.80% 0.85%
2 Years 1.000% 1.00% 1.05% 1.10%
3 Years 1.490% 1.50% 1.55% 1.60%
4 Years 1.740% 1.75% 1.80% 1.85%
5 Years 1.980% 2.00% 2.05% 2.10%
$100,000 and above
3 Months 0.250% 0.25% 0.30% 0.35%
6 Months 0.400% 0.40% 0.45% 0.50%
1 Year 0.850% 0.85% 0.90% 0.95%
18 Months 0.850% 0.85% 0.90% 0.95%
2 Years 1.090% 1.10% 1.15% 1.20%
3 Years 1.590% 1.60% 1.65% 1.70%
4 Years 1.830% 1.85% 1.90% 1.95%
5 Years 2.080% 2.10% 2.15% 2.20%
 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 0.750% 0.75% 0.80% 0.85%
18 Months 0.750% 0.75% 0.80% 0.85%
2 Years 1.000% 1.00% 1.05% 1.10%
3 Years 1.490% 1.50% 1.55% 1.60%
4 Years 1.740% 1.75% 1.80% 1.85%
5 Years 1.980% 2.00% 2.05% 2.10%
$100,000 and above
1 Year 0.850% 0.85% 0.90% 0.95%
18 Months 0.850% 0.85% 0.90% 0.95%
2 Years 1.090% 1.10% 1.15% 1.20%
3 Years 1.590% 1.60% 1.65% 1.70%
4 Years 1.830% 1.85% 1.90% 1.95%
5 Years 2.080% 2.10% 2.15% 2.20%
 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 0.650% 0.65% $25,000.00 $25,000.00
Elite Money Market     $50,000.00 $50,000.00
$50,000.00-$249,999.00 0.750% 0.75%    
$250.000.00-$499,999.00 1.090% 1.10%    
$500,000.00 & up 1.240% 1.25%    


BUSINESS SHARE CERTIFICATES
Balance Requirements Term Dividend Rate Annual Percentage Yield
$500-$99,999.99
3 Months 0.500% 0.50%
6 Months 0.750% 0.75%
1 Year 1.000% 1.00%
18 Months 1.000% 1.00%
2 Years 1.490% 1.50%
3 Years 1.740% 1.75%
4 Years 1.980% 2.00%
5 Years 2.230% 2.25%
$100,000 and above
3 Months 0.600% 0.60%
6 Months 0.850% 0.85%
1 Year 1.090% 1.10%
18 Months 1.090% 1.10%
2 Years 1.590% 1.60%
3 Years 1.830% 1.85%
4 Years 2.080% 2.10%
5 Years 2.325% 2.35%
 Rates subject to change without notice. Penalty for early withdrawal.


FIXED HOME EQUITY LOANS*
Loan to Value
80%
90%
 
 
Annual Percentage Rate as low as:
 
5 Years
3.99%
4.99%
 
Maximum Loan Amount
$500,000
$100,000
 
7 Years and 10 Years
4.24%
5.24%
 
Maximum Loan Amount
$500,000
$100,000
 
15 Years
4.49%
5.49%
 
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 4.99% APR, you would make 60 monthly payments of $18.87 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
1.49%
1.44%
1.39%
 
36 Months
1.74%
1.69%
1.64%
 
48 Months
1.99%
1.94%
1.89%
 
60 Months
2.24%
2.19%
2.14%
 
72 Months
2.49%
2.44%
2.39%
 
84 Months
2.74%
2.69%
2.64%
* 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
1.99%
1.94%
1.89%
 
36 Months
2.24%
2.19%
2.14%
 
48 Months
2.49%
2.44%
2.39%
 
60 Months
2.74%
2.69%
2.64%
 
72 Months
2.99%
2.94%
2.89%
 
84 Months
3.24%
3.19%
3.14%
* 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
2.49%
2.44%
2.39%
 
36 Months
2.74%
2.69%
2.64%
 
48 Months
2.99%
2.94%
2.89%
 
60 Months
3.24%
3.19%
3.14%
 
72 Months
3.49%
3.44%
3.39%
 
84 Months
3.74%
3.69%
3.64%
* 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
2.49%
2.44%
2.39%
 
36 Months
2.74%
2.69%
2.64%
 
48 Months
2.99%
2.94%
2.89%
 
60 Months
3.24%
3.19%
3.14%
 
72 Months
3.49%
3.44%
3.39%
 
84 Months
3.74%
3.69%
3.64%
* 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
2.99%
2.94%
2.89%
 
36 Months
3.24%
3.19%
3.14%
 
48 Months
3.49%
3.44%
3.39%
 
60 Months
3.74%
3.69%
4.64%
 
72 Months
3.99%
3.94%
3.89%
 
84 Months
4.24%
4.19%
4.14%
* 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
3.49%
3.44%
3.39%
 
36 Months
3.74%
3.69%
3.64%
 
48 Months
3.99%
3.94%
3.89%
 
60 Months
4.24%
4.19%
4.14%
 
72 Months
4.49%
4.44%
4.39%
 
84 Months
4.74%
4.69%
4.64%
* 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


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