Savings  
The rate for share accounts is .05% Dividend Rate, and .050% APY*. The minimum balance to earn interest in the primary savings account is $100.00.

*APY - Annual Percentage Yield (APY is accurate as of December 2011)

Auto, Trucks, Vans, Motorcycles

*Minimum $20,000 Loan

Example:
Financing a $20,000 car at an interest rate of 5.75% for 60 months, with 12 payments per year would have a monthly payment of $384.34.   

Boats, Motor Homes and Travel Trailers

Loan Type/Term	36 Months	48 Months	60 Months	72* Months	84**Months
New	5.25%	5.50%	5.75%	6.00%	6.50%
Used  (2009 or newer)	5.75%	6.00%	6.25%	6.50%	NA
Used  (2008-2006)	6.00%	6.25%	6.50%	NA	NA
Used  (2005-2004)	6.75%	6.75%	NA	NA	NA
Used  (2003-2002)	7.50%	NA	NA	NA	NA

  *Minimum $20,000 Loan 

**Minimum $25,000 Loan

Off Road RV's, Snowmobiles and Jet Skis

Loan Type/Term	36 Months	48 Months	60 Months
New	6.50%	6.75%	7.00%
Used  (2002 or newer)	7.25%	7.50%	NA

 

Secured and Unsecured Loans

Loan Type/Term	Rate
Share Secured - Primary Share Account	3.00%
Unsecured - Signature Loan	9.90%

  
     

Home Equity Loans  (not available at this time)

Loan Type/Term	24-36 Months	48-60 Months	72-84 Months	96-108 Months	120-180 Months
Closed End/Fixed	6.00%	6.25%	6.50%	6.75%	7.00%

     

Open Line of Credit/Variable Rate

5.00%*

*Adjusts to Wall Street Journal Prime Rate monthly.
  

VISA Platinum  

Rate    9.90%

• No Annual Fee
• No Balance Transfer Fee
• 25 Day Grace period
• Cash advances are at the same low interest rate

Late Fee	$20.00
Over Limit Fee	$20.00
NSF Check Fee	$20.00
Replacement Card	$10.00
Loan/VISA Application Fee	$10.00