Deposit Rates in effect May 1, 2013
|
Deposit Type/Term
|
Minimum
|
APY
|
| Regular Share
|
$10
|
0.05%
|
| Club Accounts
|
$10
|
0.05%
|
| Share Draft (Checking)
|
$0
|
0%
|
| Cha-Ching “Certificate Builder” Account
|
$10
|
0.05%
|
| Money Fund – Tier 1
|
$500 to $2,499.99
|
0.05%
|
| Money Fund – Tier 2
|
$2500 to $24,999.99
|
0.05%
|
| Money Fund – Tier 3
|
$25,000 to $49,999.99
|
0.15%
|
| Money Fund – Tier 4
|
$50,000 to $74,999.99
|
0.15%
|
| Money Fund – Tier 5
|
$75,000 to $99,999.99
|
0.15%
|
| Money Fund – Tier 6
|
$100,000 & UP
|
0.2%
|
Deposit Rates in effect May 1, 2013
Share Certificates
|
Deposit Type/Term
|
Minimum
|
APY
|
|
6 Month Share Certificate
|
$500
|
0.20%
|
|
12 Month Share Certificate
|
$500
|
0.25%
|
|
18 Month Share Certificate
|
$500
|
0.30%
|
|
36 Month Share Certificate
|
|
0.65%
|
|
60 Month Share Certificate
|
$500
|
0.90%
|
|
SHARE CERTIFICATE SPECIAL! (15 MONTH)
|
$10,000
|
0.25%
|
Jumbo Share Certificates
|
Deposit Type/Term
|
Minimum
|
APY
|
| 18 Month Jumbo Share Certificate
|
$50,000
|
0.3%
|
| 36 Month Jumbo Share Certificate
|
$50,000
|
0.65%
|
| 60 Month Jumbo Share Certificate
|
$50,000
|
0.90%
|
Individual Retirement Accounts (IRAs)
|
Deposit Type/Term
|
Minimum
|
APY
|
| IRA Accumulation Account ( Effective 9-1-12)
|
$25
|
0.10%
|
| Money Market IRA (Effective 9-1-12)
|
$4,000
|
0.15%
|
| 6 Month IRA Certificate
|
$500
|
0.20%
|
| 12 Month IRA Certificate
|
$500
|
0.25%
|
| 18 Month IRA Certificate
|
$500
|
0.30%
|
| 36 Month IRA Certificate
|
$500
|
0.65%
|
| 60 Month IRA Certificate
|
$500
|
0.90%
|
| IRA CERTIFICATE SPECIAL! (15 MONTH)
|
$10,000
|
0.25%
|
Jumbo IRA Certificates
|
Deposit Type/Term
|
Minimum
|
APY
|
| 12 Month Jumbo IRA Certificate
|
$50,000
|
0.25%
|
| 18 Month Jumbo IRA Certificate
|
$50,000
|
0.30%
|
| 36 Month Jumbo IRA Certificate
|
$50,000
|
0.65%
|
| 60 Month Jumbo IRA Certificate
|
$50,000
|
0.90%
|
Mortgage Loans
For mortgage information please see one of our loan officers
CHequity (Home Equity Line of Credit)
Variable rate adjusted quarterly based on Wall Street Journal prime rate.
APR As Low As 3.00%
Home Equity Loans (1st & 2nd Lien Positions)
| LOAN TYPE / TERM
|
APR AS LOW AS:
|
| 3 Years
|
See a loan officer for home equity rates
|
| 5 Years
|
See a loan officer for home equity rates
|
| 7 Years
|
See a loan officer for home equity rates
|
| 10 Years
|
See a loan officer for home equity rates
|
| 12 Years
|
See a loan officer for home equity rates
|
| 15 Years
|
See a loan officer for home equity rates
|
| 20 Years
|
See a loan officer for home equity rates
|
90% LTV loans available for a 1% rate increase
New Vehicle Loans
| LOAN TYPE / TERM
|
APR AS LOW AS:
|
| 2 Years
|
2.24%
|
| 3 Years
|
2.24%
|
| 4 Years
|
2.34%
|
| 5 Years
|
2.44%
|
| 6 Years
|
3.14%
|
Used Vehicle Loans
| LOAN TYPE / TERM
|
APR AS LOW AS:
|
| Up to 5 Years (2010 & 2011)
|
2.54%
|
| Up to 4 Years (2008 & 2009)
|
4.14%
|
| Older Vehicles (2007 & older)
|
4.44%
|
New & Used Recreational Vehicle Loans
| LOAN TYPE / TERM
|
APR AS LOW AS:
|
| 6 Years
|
5.99%
|
| 10 Years
|
6.29%
|
| 12 Years
|
6.69%
|
Motorcycle Loans
| LOAN TYPE / TERM
|
APR AS LOW AS:
|
| Up to 6 Years (2012 & 2013)
|
6.49%
|
| Up to 5 Years (2011 & older)
|
7.49%
|
Unsecured Loans
| LOAN TYPE / TERM
|
APR AS LOW AS:
|
| 2 Years
|
8.5%
|
| 3 Years
|
8.75%
|
| 4 Years
|
9.25%
|
| 5 Years
|
9.75%
|
Loan rates listed above will be discounted 0.25% for checking account holders with direct deposit.
Individual applicant’s rates will be adjusted based on loan term, collateral value and credit history. See a loan officer for details.
Note: Rates listed below are not impacted by checking account or direct pay
VISA Credit Card
Rate as low as 8.50%
Share Secured Loans ( Effective 05-01-13)
| LOAN TYPE / TERM
|
APR AS LOW AS:
|
| 1 Years
|
2.55%
|
| 2 Years
|
2.55%
|
| 3 Years
|
3.05%
|
| 4 Years
|
3.05%
|
| 5 Years
|
3.55%
|
| 6 Years
|
3.55%
|
Money Fund Secured (Eff. 05-01-13)
|
Term
|
Tier I
|
Tier 2
|
Tier 3
|
| 1 & 2 Years
|
2.55%
|
2.60%
|
2.65%
|
| 3 & 4 Years
|
3.05%
|
3.10%
|
3.15%
|
| 5 & 6 Years
|
3.55%
|
3.60%
|
3.65%
|
|
Term
|
Tier 4
|
Tier 5
|
Tier 6
|
| 1 & 2 Years
|
2.65%
|
2.65%
|
2.70%
|
| 3 & 4 Years
|
3.15%
|
3.15%
|
3.20%
|
| 5 & 6 Years
|
3.65%
|
3.65%
|
3.70%
|
Certificate Secured Loans
Up to 5 Years: Certificate APY plus 2.50%
Stock Secured Loans
Up to 5 Years: Up to 50% of Value: Prime plus 3.00%
(Refer to Credit Manager for details)
