Rates 









Share and Certificate Rates

Account Type Rate APY* Min. Bal.
Shares 0.80% 0.81%

$100.00

Share IRA 3.50% 3.57% $100.00
Above rates subject to change monthly after Board meeting
Christmas Club 3.50% 3.50% $25.00
Last declared dividends as of October 31, 2007, early withdrawal loss of dividend accrued.
Share Certificates for May 2008
3 months 1.54% 1.55% $500.00
6 months 1.64% 1.66% $500.00
1 year 1.74% 1.76% $500.00
2 year

1.84%

1.86% $500.00
3 year 1.94% 1.97% $500.00
3 months 1.64% 1.66% $10000.00
6 months 1.74% 1.76% $10000.00
1 year 1.84% 1.86% $10000.00
2 year 1.94% 1.97% $10000.00
3 year 2.04%

2.07%

$10000.00

*APY=Annual Percentage Yield

 

Loan Rates
 

Loan Type APR* Term  
Signature Loans 11.00% 1-18 months 10% shares pledge on amount borrowed
13.75% 19-36 months
Term Notes: 14.00% 5x rewrite 3-6-12 month term No account relationship discount
$5000.00 cap
New Automobile 7.00% 1-72 months 100% of purchase price
7.50% 1-72 months 110% of purchase price
Used Automobile 8.00%   Retail value 5yrs old or newer NADA Midwest
Trade vaule over 5yrs old NADA Midwest
New Recreational Vehicles 8.00% 1-60 months 100% of purchase price
9.00% 61-84 months 100% of purchase price
Used Recreational Vehicles 9.25% up to 60 months Trade value NADA Midwest edition
New Boats 7.50%   100% of purchase price
Used Boats 8.00%   Trade value NADA Midwest edition
New Motorcycle 7.50%   100% of purchase price
Used Motorcycle 8.00%   Trade value NADA Midwest edition
2nd Mortgage Loans 7.00% 5 years 85% loan to value
No account relationship discounts
7.75% 10 years
8.50% 15 years
Share Pledge Loans 4.50%   No account relationship discount
CD Pledge Loans 2.00% above what you are earning on Money   No account relationship discounts
Mastercard 14.00%   No account relaionship discounts
Other Secured Loans 10.00%    
*APR=Annual Percentage Rate

.25% off loan interest rate if member has good share draft acount with 3 months of history
.50% off loan interest rate for repayment by direct deposit/allotment.
Maximum account relationship discount .75% off loan interest rate.

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