Rates



Rates Last Updated November 22, 2011                  Loan Applicaton

Type of Interest Rates

APR (Annual Percentage Rate)
New Auto (36-48 Mos.) 2.99 - 9.74%
New Auto (49-60 Mos.) 3.24 - 9.99%
New Auto (61-72 Mos.) 3.49 - 10.24%
New Auto (73-84 Mos.) 3.74 - 10.49%
Used Auto (Up to 84 months*) 2.99 - 12.49%
*Used car term based on make, model, and amount financed.
Recreational Vehicles 4.99 - 12.49%
Boats, Motors & Trailers 4.99 - 12.49%
Tractors 4.99 - 12.49%
*New boats/motorcycles/tractors/all recreational vehicles/utility trailers: Add 2% to stated automobile rate; used add 4%.
Stock 8.00%
Real Estate (15-Year) 3.99 - 10.00%
Real Estate (20-Year) 4.25 - 10.25%
Real Estate (5-Year Balloon) 3.50 - 9.50%
Construction 7.49 - 13.74%
Land (5-Year) 7.49 - 11.99%
Home Equity Line-of-Credit
Index - WSJ Prime Rate**		 See Promotional Rate
2nd Mortgage Line-of-Credit
Index - WSJ Prime Rate**		 See Promotional Rate
Share Secured
Rate earned on deposit + 2.0		 +2.00%
Line of Credit (Signature)
Index - WSJ Prime Rate**		 7.75 - 15.25%
Signature 9.99 - 17.99%
Credit Card
 - Introductory Rate
 - After 1 year
3.99 - 9.99%
10.99 - 17.99%
30 Year Mortgage Call for Rates
**The index is the prime rate published in the Wall Street Journal.

Money Market - Type 06

2,500 - 9,999 .40%
10,000 - 24,999 .45%
25,000 & up .50%

Rates of Return

APR

APY
Share Savings 0.35% 0.35%
Christmas Savings 0.35% 0.35%
IRA Savings 0.50% 0.50%
Share Draft (checking)
(With average daily balance of $300)		 0.15% 0.15%

Plateau I ($1,000 - $49,999.99)

Time Share Certificates

APR

APY
    3 Months .49% .49%
    6 Months .49% .49%
    1 Year .69% .69%
    2 Year 1.19% 1.20%
    3 Year 1.39% 1.40%
    4 Year 1.64% 1.65%
    5 Year 2.08% 2.10%

Plateau 2 ($50,000 - $99,999.99)

Time Share Certificates

APR

APY
    3 Months .59% .59%
    6 Months .59% .59%
    1 Year .79% .79%
    2 Year 1.29% 1.30%
    3 Year 1.49% 1.50%
    4 Year 1.74% 1.75%
    5 Year 2.18% 2.20%

Plateau 3 ($100,000 - Up)

Time Share Certificates

APR

APY
    3 Months .69% .69%
    6 Months .69% .69%
    1 Year .89% .89%
    2 Year 1.39% 1.40%
    3 Year 1.59% 1.60%
    4 Year 1.83% 1.85%
    5 Year 2.28% 2.30%
RATES ARE SUBJECT TO CHANGE. RATES SUBJECT TO CREDIT RATING. LOANS SUBJECT TO APPROVAL. APR = ANNUAL PERCENTAGE RATE. APY = ANNUAL PERCENTAGE YIELD.
 
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