|
| LOAN RATES |
| Vehicle Loans |
Annual Percentage Rate |
| New Vehicle |
2.35% -13.75% |
| Used Vehicle |
2.35%-13.75% |
| Older Vehicle (2010 and older) |
4.35%-15.75% |
| New RV |
6%-18% |
| Used RV |
7%- 18% |
| New Motorcycle |
5.50%- 13.50% |
| Used Motorcycle |
6.50%- 14.50% |
| Personal Loans |
Annual Percentage Rate |
| Unsecured Loans |
9.50- 16.50% |
| Share Secured |
3% over share rate |
| Certificate Secured |
3% over certificate rate |
| Mobile Home Loans |
Annual Percentage Rate |
| New Mobile Homes |
Suspended |
| Used Mobile Homes |
Suspended |
| Real Estate Loans |
Annual Percentage Rate |
| First Trust Deed |
Suspended |
| Second Trust Deed |
Suspended |
| Home Equity Lines |
Suspended |
|
Rates effective July 1, 2016. Rates are subject to change without notice. Rates and terms are based on approved credit and may vary depending on credit worthiness. Longer terms may be available for qualified borrowers at an increased rate. Credit worthiness is determined by a variety of factors including but not limited to credit score, debt ratio, and length of employment.
Rates posted do not include discounts. Discounts do not apply during special pricing or on unsecured loans.
We offer .25% discount to the earned rate for payroll deduction and .25% for an active checking account.
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| IRA and TRADITIONAL CERTIFICATE RATES |
| Term |
Minimum Deposit |
Interest Rate |
Annual Percentage Yield |
|
6 Month
|
$1,000 |
.10% |
.10% |
|
|
$10,000 |
.10% |
.10% |
| |
$50,000 |
.15% |
.15% |
| |
$100,000 |
.20% |
.20% |
|
12 Month
|
$1,000 |
.15% |
.15% |
| |
$10,000 |
.20% |
.20% |
| |
$50,000 |
.25% |
.25% |
| |
$100,000 |
.30% |
.30% |
|
24 Month
|
$1,000 |
0.30% |
0.30% |
| |
$10,000 |
0.35% |
0.35% |
| |
$50,000 |
0.40% |
0.40% |
| |
$100,000 |
0.45% |
0.45% |
| Annual Percentage Yield is based on the assumption that the interest will remain on deposit until maturity. A penalty is imposed on withdraws of the principal before the maturity date. Certificate Rates effective July 1, 2016. |
| SAVINGS RATES |
| Type |
Minimum Balance |
Interest Rate |
Annual Percentage Yield |
|
Regular Savings
|
$0.00 to $99.99 |
0.00% |
0.00% |
| |
$100 to $4,999.99 |
0.05% |
0.05%
|
| |
$5,000 to $19,999.99 |
0.05% |
0.05% |
| |
$20,000 to $99,999.99 |
0.10% |
0.10% |
| |
$100,0000 and up |
0.10% |
0.10% |
|
Checking
|
$50 |
0.00% |
0.00% |
| Savings rates effective July 1, 2016. Rates subject to change without notice. Savings and Traditional Certificate Deposits insured to $250,000.00 through NCUA, a U.S. Government Agency. IRA deposits insured to $250,000.00 through NCUA, a U.S. Government Agency. |
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