Current Rates
Loan Rates
(Annual Percentage Rate is accurate as of 5/14/2008 11:59:02 AM)
| Loan Type |
APR1 |
| Cars/Trucks – Purchase or Refinanced (2007
or newer) |
6.00% – 15.99%2 |
| Cars/Trucks – Purchase or Refinanced (2007 or older) |
6.00% – 15.99%2 |
| Visa® Platinum Credit Card |
6.90% – 10.90%3 |
| Visa® Gold Credit Card |
10.90% – 12.90%3 |
| Visa® Classic Credit Card |
13.90% – 17.90%3 |
| Quickline Line of Credit |
18.00% |
| SelectLine Line of Credit |
10.25%4 |
| Signature Loans |
10.25%4 |
| Mortgage |
Check Rates |
| Home Equity Line of Credit |
5.25%6 |
| Second Trust Deed (Up to 180 months) |
6.50% – 7.75%5 |
| New Motorhomes, Boats & Trailers |
as low as 9.00% |
| Used Motorhomes, Boats & Trailers (Maximum Age: 8 years) |
as low as 10.00% |
| New Motorcycles (2008 to 2007) |
6.50% – 10.75%2 |
| Used Motorcycles (2007– 2005) |
6.50% – 12.00%2 |
| New Recreational Equipment (2008– 2007) |
7.00% – 15.50%2 |
| Used Recreational Equipment (2007– 2005) |
7.25% – 16.00%2 |
All rates are Annual Percentage Rates. Other terms and conditions may apply, ask for details. Rates are accurate at time of publication. All rates subject to change.
1 APR = Annual Percentage Rate
2 Auto Loan Rates are determined by individual credit standing, collateral age, collateral value, and loan term.
3 Visa® rates are determined by credit standing and Visa® card types.
4 10.25% rate is variable at 5% over Prime Rate, adjusted quarterly, not to exceed 18% Annual Percentage Rate.
5 Second Trust Deed rates are determined by individual credit standing and loan to value.
6 Rate is priced at Prime Rate, adjusted quarterly, not to exceed 18% Annual Percentage Rate.
Savings Rates
(Annual Percentage Yield is accurate as of
)
| Type |
Minimum Balance
To Earn Dividends |
Dividend Rate |
APY* |
| MoneyMaker ** |
$5,000 – $25,000 |
1.25% |
1.26% |
| MoneyMaker |
Over $25,000 |
1.75% |
1.76% |
| MoneyMaker IRA |
$0 – $25,000 |
1.25% |
1.26% |
| MoneyMaker IRA |
Over $25,000 |
1.75% |
1.76% |
| Preferred Money Market |
$0 – Up |
2.50% |
2.53% |
* APY = Annual Percentage Yield
** Minimum $5,000 to open account.
T-Flex CD
Minimum Balance $10,000
(Annual Percentage Yield is accurate as of
)
| Type |
Minimum Balance
To Earn Dividends |
Dividend Rate |
APY** |
| 1 year T-Flex CD |
$10,000 – $99,999 |
1.65% |
1.66% |
| 1 year T-Flex CD Plus |
$100,000 – Up |
1.90% |
1.92% |
* A T-Flex CD is a 12-month Regular Share Certificate.
** APY = Annual Percentage Yield
Yield is variable and subject to change. If a withdrawal brings your T-Flex CD balance below $10,000, the account will be subject to an early withdrawal penalty.
Regular and IRA Share Certificates
Regular and IRA Share Certificates Minimum Balance $1,000
(Annual Percentage Yield is accurate as of
)
| Term |
Dividend Rate |
APY* |
| 3 month |
2.50% |
2.53% |
| 6 month |
2.50% |
2.53% |
| 1 year |
2.50% |
2.53% |
| 2 year |
2.75% |
2.78% |
| 3 year |
3.00% |
3.04% |
| 4 year |
3.50% |
3.56% |
* APY = Annual Percentage Yield
Minimum balance to earn dividends on share certificates is $1,000. Ask for more information regarding fees and terms on savings, checking and certificate accounts. A substantial penalty is assessed on funds withdrawn prior to maturity on all certificate accounts. All savings, checking and certificate rates are variable, subject to change by the Board of Directors. Fees or other conditions could reduce the earnings on accounts.
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Certificate Rates