Savings Rates – effective April 18, 2000
Shares Certificates
| Terms | Dividends | APY* |
| 91 Day | 4.85% | 4.85% |
| 26 Weeks | 5.15% | 5.15% |
| 12 Months | 6.10% | 6.24% |
| 18 Months | 6.10% | 6.24% |
| 24 Months | 6.15% | 6.29% |
| 30 Months | 6.15% | 6.29% |
| 36 Months | 6.20% | 6.35% |
| 48 Months | 6.35% | 6.50% |
| 60 Months | 6.40% | 6.56% |
| Minimum balance of $500.00 on all shares certificates | ||
IRA Share Certificates
| Terms | Dividends | APY* |
| 12 Months | 6.10% | 6.24% |
| 24 Months | 6.15% | 6.29% |
| 36 Months | 6.20% | 6.35% |
| 48 Months | 6.35% | 6.50% |
| 60 Months | 6.40% | 6.56% |
| Minimum balance of $500.00 on all shares certificates | ||
Other Share/Savings Accounts
| Account Type | Dividends | APY* |
| Savings | 2.00% | 2.02% |
| Vacation Club | 2.00% | 2.02% |
| Christmas Club | 2.00% | 2.02% |
| IRA Club | 2.00% | 2.02% |
| Money Management Account | 3.15% (on $2,500.00 balance or more) | 3.19% |
Loan Rates – effective April 25, 2000
To determine the payment terms for the loan you’re requesting, please click on the calculator at the bottom of this page.
| Loan Type | Terms or conditions | APR |
| 2000,1999 | 36 Months | 7.25% |
| 48 Months | 7.50% | |
| 66 Months | 7.50% | |
| 84 Months | 8.75% (min. amt. $40,000) | |
| Payment Shaver 1% above loan rate, (new and used) | ||
| 2000,1999,1998 | 60 Months + Option + 6 = 66 Months | 7.50% |
| 1997,1996 | 54 Months + Option + 6 = 60 Months | 7.50% |
| 1995 | 48 Months + Option + 6 = 54 Months | 7.50% |
| 1994 | 48 Months | 8.25% |
| 1993 | 36 Months | 8.75% |
| Mobile Homes | 120 Months – 25% Down | 14.00% |
| Closed End Equity | 60 Months | 8.25% |
| Closed End Equity | 120 Months | 8.50% |
| Closed End Equity | 180 Months | 9.00% |
| Equity Line of Credit | Prime + 1% | 10.00%** |
| 60 Months – New | 8.75% | |
| 36 Months – Used | 9.00% | |
| 48 Months – $2,000 Minimum | 11.00% | |
| 60 Months | 8.50% | |
| 48 Months | 8.75% | |
| 60 Months | 8.25% | |
| 120 Months | 8.50% | |
| 60 Months | 8.50% | |
| 48 Months | 9.00% | |
| 60 Months | 8.50% | |
| 120 Months | 8.75% | |
| VISA Gold | No annual fees | 12.90% |
| VISA Classic | 13.90% | |
| Personal Loan | 12 Months | 9.90% |
| Personal Loan | 24 Months | 10.90% |
| Personal Loan | 36 Months | 11.90% |
| Personal Loan | 48 Months | 13.90% |
| Equal Pledge Against Shares | 6.00% | |
| Equal Pledge Against Certificates | 3% Above Certificate Rate | |
| Home Improvement | 36 Months | 9.50% |
| Home Improvement | 60 Months | 10.00% |
| Home Improvement | 120 Months | 10.90% |
| TWO-FOR-ONE Share Loan | 48 Months | 12.00% |
| Special Loans | ||
If the member currently has or opens one of the following services, they can get 1/4% off any fixed term loan except Share Secured, (1.) Checking, (2.) VISA, (3.) Payroll Deduction/Net Check with Automatic Payment Transfer.
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Your savings are federally |
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