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Account Rates 
Consumer Loans
Secured Loans
2nd Mortgage Loans
Home Equity Line of Credit
Loan Calculator Loan Application
Account Rates
Rates effective October 31, 2011
Type of Account |
Current Rate |
Regular Share (Savings) |
0.10% |
Share Draft (Checking) |
0.10% |
Christmas Club |
0.10% |
Money Market |
0.20% |
|
Share Certificates:
Less than $25,000
$25,000 to $50,000
Over $50,000
|
0.25%
0.35%
0.50%
|
|
IRA Certificates:
Less than $25,000
$25,000 to $50,000
Over $50,000
|
0.25%
0.35%
0.50%
|
Consumer Loan Rates
Rates effective February 1, 2012
|
Premium
|
Level 1
|
Level 2
|
Level 3
|
Level 4
|
|
Loan Type
|
730+
|
680-729
|
630-679
|
600-629
|
599&below
|
|
Unsecured
|
9.99%
|
11.99%
|
13.99%
|
15.99%
|
18.00%
|
|
Credit Card
|
9.75%
|
9.75%
|
11.75%
|
15.75%
|
n/a
|
|
Credit Rebuilder
|
|
|
|
|
18.00%
|
New and Used Auto & Other Secured Loan Rates
Rates effective February 1, 2012
|
Premium
|
Level 1
|
Level 2
|
Level 3
|
Level 4
|
|
Loan Type
|
730+
|
680-729
|
630-679
|
600-629
|
599&below
|
|
Up to 24 Months
25 to 36 Months
37 to 48 Months
49 to 60 Months
72 months
|
1.99%
1.99%
2.99%
3.49%
4.29%
|
2.99%
3.25%
3.75%
3.75%
4.49%
|
5.99%
5.99%
6.64%
6.99% 7.49%
|
7.99%
8.25%
8.75%
9.49%
9.99% |
18.00%
18.00%
18.00%
18.00%
18.00%
|
Second Mortgage Rates
Rates effective February 1, 2012
|
Premium
|
Level 1
|
Level 2
|
Level 3
|
Level 4
|
|
Loan Type
|
730+
|
680-729
|
630-679
|
600-629
|
599&below
|
|
2 to 4 Years
5 Years
6 to 7 Years
8 to 10 Years
|
3.99%
4.99%
5.99%
6.99%
|
3.99%
4.99%
5.99%
6.99%
|
7.00%
8.00%
9.00%
10.00%
|
9.00%
10.00%
11.00%
12.00%
|
18.00%
18.00%
18.00%
18.00%
|
Home Equity Line of Credit (HELOC) Rates
Rates effective February 1, 2012
|
Premium
|
Level 1
|
Level 2
|
Level 3
|
Level 4
|
|
Loan Type
|
730+
|
680-729
|
630-679
|
600-629
|
599&below
|
|
HELOC:
80% Loan to Value
|
Variable rate loan @ Prime w/ floor 6% &
ceiling 13% |
|
6.00%
|
6.00%
|
6.00%
|
n/a
|
n/a
|
Loan rates are based on credit worthiness as determined by applicant's
credit bureau Beacon score.
APR is Annual Percentage Rate.
Rates subject to change at any time.
All Loans subject to approval.
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