|
Deposit
Product Rates
Consumer Loan
Rates
|
Effective Date: May 2, 2008
|
| Account Type |
Rate |
Annual Percentage Yield* |
Minimum Balance ($) |
| Passbook and Statement Savings |
0.499% |
0.500% |
200 |
| Super Passbook & Platinum Savings Tier 1 |
1.243% |
1.250% |
1,000 |
| Super Passbook & Platinum Savings Tier 2 |
1.490% |
1.500% |
10,000 |
| Super Passbook & Platinum Savings Tier 3 |
1.736% |
1.750% |
25,000 |
| Super Passbook & Platinum Savings Tier 4 |
1.982% |
2.000% |
75,000 |
| Regular Checking |
No Interest |
No Interest |
300 |
| Interest Tiered Checking Tier 1 |
0.100% |
0.100% |
1,000 |
| Interest Tiered Checking Tier 2 |
0.249% |
0.250% |
5,000 |
| Interest Tiered Checking Tier 3 |
0.374% |
0.375% |
10,000 |
| Interest Tiered Checking Tier 4 |
0.499% |
0.500% |
25,000 |
| Money Market Plus Checking Tier 1 |
1.243% |
1.250% |
2,500 |
| Money Market Plus Checking Tier 2 |
1.736% |
1.750% |
10,000 |
| Money Market Plus Checking Tier 3 |
1.982% |
2.000% |
50,000 |
| Money Market Plus Checking Tier 4 |
2.227% |
2.250% |
100,000 |
| Money Market Plus Checking Tier 5 |
2.472% |
2.500% |
500,000 |
| 91-day Certificate |
1.985% |
2.000% |
1,000 |
| 182-day Certificate |
2.232% |
2.250% |
1,000 |
| 1-year Certificate |
2.477% |
2.500% |
1,000 |
| 18-month Certificate |
2.600% |
2.625% |
1,000 |
| 24-month Certificate |
2.722% |
2.750% |
1,000 |
| 30-month Certificate |
2.845% |
2.875% |
1,000 |
| 3-year Certificate |
2.967% |
3.000% |
1,000 |
| 3 1/2-year Certificate |
3.211% |
3.250% |
1,000 |
| 5-year Certificate |
3.455% |
3.500% |
1,000 |
| 7-year Certificate |
3.698% |
3.750% |
1,000 |
| 10-year Certificate |
3.941% |
4.000% |
1,000 |
|
|
*Annual Percentage Yield computed using monthly
compounding.
On Certificates, and on regular Passbook and
Statement Savings accounts, interest compounds quarterly (unless
otherwise noted).
On Interest Checking, Money
Market Plus Checking, Platinum Savings and Super Passbook accounts, interest compounds
monthly (unless
otherwise noted).
The rates for Passbook, Statement Savings, Interest
Checking, and Money Market
accounts are variable and may change after your account is opened.
The annual percentage yields quoted are accurate as
of the effective date listed above.
Fees may reduce your earnings on your account.
Substantial penalty for early withdrawal on
Certificates of Deposit.
Member FDIC.
|
|
Consumer Loan
Rates are effective April 21, 2008
Rates are subject to change without notice.
Prime currently
5.25
%
Rate example: If you
borrowed with no down payment, at
7.21
% APR* for 72 months, the monthly payment will be $
168.05
per $10,000.00 borrowed.
CARS AND TRUCKS ONE TON AND UNDER
|
Year
|
Maximum
term in months
|
APR*
Based on $10,000 loan amount
|
|
2008-2007-2006
New or Used
|
72
|
7.21
%
|
|
2005-2004-2003
Used
|
66
|
7.77
%
|
|
2002-2001
Used
|
60
|
8.85
%
|
|
2000 and
Older
Used
|
36
|
11.38
%
|
Not everyone will
qualify for these rates. Your rate
may be higher.
HOME EQUITY – CLOSED END
|
Type
|
Minimum
Loan Amount
|
Loan to
Value
|
APR*
Based on Minimum Loan Amount
|
|
180 Months
|
$10,000
|
85% MAX.
|
7.07
%
|
|
120 Months
|
$10,000
|
85% MAX.
|
6.70
%
|
|
60 Months
|
$5,000
|
85% MAX.
|
7.46
%
|
Not everyone will
qualify for these rates. Your rate
may be higher.
HOME EQUITY LINES OF CREDIT –
VARIABLE RATE**
|
Loan to
Value
|
Loan
Amounts
|
APR*
|
|
85%
|
$5,000 or
greater
|
5.00
%
|
**There is a PRE-PAYMENT
PENALTY of $300.00 if the line is closed within
the first 36 months. Rates are
based on qualifying credit and your rate may be higher.
The Annual Percentage
Rate will not go below 5.0% or exceed 18.50% depending on your qualifying rate.
Rates are subject to change
without notice throughout the life of the loan.
*APR = Annual Percentage Rate
|
|
