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Please refer to our Truth in Savings disclosure for additional share account information.
Vehicle, Motorcycle and Boat Loans
| Annual Percentage Rates effective as of 7/1/08 |
|
Term |
APR |
Pmt. per $1,000 |
| 2005-2008 |
36 months |
4.24% |
$29.64 |
|
48 months |
4.74% |
$22.92 |
|
60 months |
5.24% |
$18.99 |
|
72 months* |
5.24% |
$16.11 |
| 2000-2004 |
36 months |
5.24% |
$30.09 |
|
48 months |
5.74% |
$23.37 |
|
60 months |
6.24% |
$19.45 |
| 1999 & older |
48 months |
7.24% |
$24.06 |
* For 72 mos. term, vehicle value must be at least $16,000. Annual percentage rates subject to change.
Personal Loans
| Annual Percentage Rate effective as of 7/1/08 |
|
Term |
APR |
Pmt. per $1,000 |
| Signature Loans |
60 months |
9.99% |
$21.25 |
| Kwik Cash Line of Credit |
|
9.99% |
|
Annual percentage rates subject to change. Annual percentage rate on Kwik Cash line of credit may change at any time. Kwik Cash line of credit has no annual fee.
Home Loans
| Annual Percentage Rate effective as of 7/1/08 |
| |
Term |
Rates* as low as |
Annual
Percentage Rates |
Loan to
Value Ratio |
Monthly Payment
per $1,000 |
| 1-Year Adjustable Rate Mortgage - Indexed3 |
30 years |
4.99% |
4.838% |
90% |
$5.37 |
| 3-Year Adjustable Rate Mortgage - Indexed3 |
30 years |
4.99% |
4.860% |
90% |
$5.37 |
| 5-Year Adjustable Rate Mortgage - Indexed3 |
30 years |
5.50% |
5.019% |
90% |
$5.68 |
| 2-Year Adjustable Rate Mortgage3 |
30 years |
6.25% |
6.25% |
90% |
$6.17 |
| Fixed Rate Mortgage |
15 years |
6.25% |
6.25% |
90% |
$8.58 |
| Home Equity |
60 months |
6.49% |
6.49% |
90% |
$19.57 |
| Second Mortgage - 2 year balloon4
| 15 years |
6.49% |
6.49% |
90% |
$8.55 |
| Home Equity Line of Credit5 |
N/A |
5.00% |
5.00% |
90% |
|
| Visa Gold Home Equity Line of Credit |
N/A |
5.00% |
5.00% |
90% |
|
3Rates may increase after consummation. The APR, interest rate, principal, and interest payment are subject to increase and can change after the loan is closed due to market-driven changes to the index. Please refer to the following examples of a 30 year ARM loan with a $100,000 loan amount assuming a 10% down payment.
1 year ARM at a 5.75% start rate, the APR is 7.648%, subject to increase. Your payment schedule would be 12 payments of $583.57; 348 payments of $710.76.
3 year ARM at a 5.99% start rate, the APR is 7.484%, subject to increase. Your payment schedule would be 36 payments of $598.91; 324 payments of $705.93.
5 year ARM at a 6.25% start rate, the APR is 7.116%, subject to increase. Your payment schedule would be 60 payments of $615.72; 300 payments of $702.55.
415 year amortization, 23 monthly payments of $8.55 per $1,000 followed by a balloon payment.5THE LINE OF CREDIT LOAN-TO-VALUEratio is 90%. Minimum line amount is $5,000. Closing costs range from $94 - $116. Rate may increase after consummation. Maximum rate is 18%. Property insurance is required. Minimum payment is 1% of the outstanding balance or $50.00, whichever is greater. Tax deductibility is subject to IRS guidelines.
* Rates subject to change at any time. Subject to credit approval. Membership required. APR will vary based on your final loan amount and finance charges. |
Term Share Certificates
| Rates and annual percentage yields effective as of 7/1/08 |
Minimum
Deposit |
Term |
Dividend
Rate |
APY |
| $ 500 |
90 days |
2.13% |
2.15% |
| $ 500 |
6 months |
2.57% |
2.60% |
| $ 500 |
12 months |
3.02% |
3.05% |
| $ 500 |
18 months |
3.02% |
3.05% |
| $ 500 |
24 months |
3.16% |
3.20% |
| $ 500 |
30 months |
3.16% |
3.20% |
| $ 500 |
36 months |
3.21% |
3.25% |
| $ 500 |
48 months |
3.41% |
3.45% |
| $ 500 |
60 months |
3.455% |
3.50% |
Annual percentage yields subject to change. A penalty may be imposed for early withdrawal.
Individual Retirement Accounts (IRAs)
| Rates and annual percentage yields effective as of 7/1/08 |
| Minimum Deposit |
Term |
Dividend
Rate |
APY |
| $ 0 |
Variable |
1.39% |
1.40% |
| $ 500 |
90 days |
2.13% |
2.15% |
| $ 500 |
6 months |
2.57% |
2.60% |
| $ 500 |
12 months |
3.02% |
3.05% |
| $ 500 |
18 months |
3.02% |
3.05% |
| $ 500 |
24 months |
3.16% |
3.20% |
| $ 500 |
36 months |
3.21% |
3.25% |
| $ 500 |
48 months |
3.41% |
3.45% |
| $ 500 |
60 months |
3.455% |
3.50% |
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Dividend rates and annual percentage yields are subject to change. Dividend rates and annual percentage yields on the Variable IRA share account may change at any time. A penalty may be imposed for early withdrawal of the 6-, 12-, 18-, 24-, 36-, 48- and 60-month and 90-day IRA term share certificates.
Money Market Accounts
| Rates and annual percentage yields effective as of 7/1/08 |
Minimum
Deposit |
Dividend
Rate |
APY |
| $ 2,500 |
1.19% |
1.20% |
| $10,000 |
1.49% |
1.50% |
Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings.
Money Market Max Accounts
Rates and annual percentage yields effective as of 7/1/08
Minimum
Deposit |
Dividend Rate
without Checking |
APY
without Checking |
Dividend Rate
with Checking |
APY
with Checking |
| $15,000 |
1.98% |
2.00% |
2.07% |
2.10% |
| $25,000 |
2.22% |
2.25% |
2.32% |
2.35% |
| $75,000 |
2.71% |
2.75% |
2.81% |
2.85% |
Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings.
Savings & Checking
| Rates and Annual Percentage Yields effective as of 7/1/08 |
| Account Type |
Dividend
Rate |
APY |
| Regular Savings |
.70% |
.70% |
| Christmas Club |
.70% |
.70% |
| Property Tax Account |
.70% |
.70% |
| Vacation Club |
.70% |
.70% |
| Moola Moola Kids' Club |
.70% |
.70% |
| Checking Plus |
0.55% |
0.55% |
Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. The minimum balance required to open a Regular Savings or Moola Moola Kids' Club account is $5 (one share).
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