Rates
| IRA Share Account | ||
| Effective Date: Monday, November 19th, 2018 | ||
| Amount | APR | APY |
| $250 - $9,999 | 0.15% | 0.15% |
| $10,000 - $24,999 | 0.20% | 0.20% |
| $25,000 & up | 0.25% | 0.25% |
| Certificates of Deposit | ||
| Effective Date: Monday, November 19th, 2018 | ||
| Term | APR | APY |
| 3 months | 0.15% | 0.15% |
| 6 months | 0.25% | 0.25% |
| 12 months | 0.45% | 0.45% |
| 24 months | 0.75% | 0.75% |
| 36 months | 0.95% | 0.95% |
| 48 months | 1.10% | 1.11% |
| 60 months Special | 2.50% | 2.53% |
| 25 months Special | 2.00% | 2.02% |
| Automobile and Motorcycles | |||
| Effective Date: Monday, November 19th, 2018 | |||
| Category | Year(s) | Term | APR* Rates as low as |
Automobile |
2015- 2019 | Up to 61 Months | 2.75% |
Automobile |
2015 - 2019 | 62 to 73 Months | 3.25% |
Automobile |
2017 - 2019 | 74 to 84 Months | 3.75% |
Automobile |
2009 - 2014 | Up to 61 Months Months | 3.75% |
Automobile |
2009 - 2014 | 62 to 73 Months Months | 4.25% |
Automobile |
2008 & Older | Up to 37 Months | 4.25% |
Automobile |
2008 & Older | Up to 61 Months | 4.75% |
| *Annual Percentage Rate. **Apply to purchases only. | |||
| Motorcycles** | Titled | Up to 61 Months | 3.75% |
| Motorcycles** | Titled | 73 Months | 4.25% |
| Signature Loans | |||
| Effective Date: Monday, November 19th, 2018 | |||
| Signature Loan | Term | APR* Rates as low as | Example Payment (on $1,000) |
| Holiday Signature Loan | up 13 Months | 5.99% | |
| Signature Loan | 14-25 Months | 7.75% | |
| Signature Loan | 26-43 Months | 8.75% | |
| Signature Loan | 44-60 Months | 9.75% | |
| *Annual Percentage Rate | |||
| Home Equity Loan Rates | |||
| Effective Date: Monday, November 19th, 2018 | |||
| Category | Term | APR* Rates as low as | APR |
| Home Equity (Fixed) Up to 90% LTV | 60 Months | 4.50% | |
| Home Equity (Fixed) Up to 90% LTV | 120 Months | 5.75% | |
| *Annual Percentage Rate APR based on $100,000 loan amount. credit score of 730, and estimated cost of $900 in closing fees | |||
| Home Equity (LOC) 6.00% Floor | 180 Months | 6.00% | |
15 Year Fixed 80.01-95.00% LTV is for purchases and no cash out references. 30 Year Fixed requires 20%down payment and is for purchase only. | |||
| Credit Cards | ||
| MasterCard Classic | MasterCard Gold | |
| Annual Percentage Rate (APR) for Purchases | 8.99% | 8.99% |
| Other APRs | ||
| - Balance Transfer APR | 8.99% | 8.99% |
| - Cash Advance APR | 8.99% | 8.99% |
| - Penalty APR | 8.99% | 8.99% |
| Variable Rate Information | Your APR will not vary | Your APR will not vary |
| Grace Period for repayment of balances for purchases | 25 days on average | 25 days on average |
| Method of computing the balance for purchases | Average daily balance (excluding new purchases) | Average daily balance (excluding new purchases) |
| Annual Fee | None | None |
| Minimum finance charge | None | None |
| Transaction fee for cash advances | 0 | 0 |
| Balance transfer fee | 0 | 0 |
| Late payment fee | $25.00 | $25.00 |
| Featured Rates | ||
| Effective Date: Monday, November 19th, 2018 | ||
| Rate as low as | Term | |
| Home Equity Loan | 4.50% | 60 months |
| First Mortgage | 4.00% | 10 year fixed |
| Certificate of Deposit | 0.45% | 12 months |
| Money Market | ||
| Effective Date: 03/01/2011 | ||
| Amount | APR* | APY** |
| $2000 -$9,999 | 0.15% | 0.15% |
| $10,000 - $24,999 | .20% | .20% |
| $25,000 -and up | .25% | .25% |
| *Annual Percentage Rate **Annual Percentage Yield | ||
| Young Savers (Thru age 21) | ||
| Effective Date: 03/01/2011 | ||
| Term | APR* | APY** |
| 6 months | 0.75% | 0.76% |
| (Minimum deposit of $100. Maximum deposit of $2,500) New Money only | ||
| *Annual Percentage Rate **Annual Percentage Yield | ||
| SAVE TO WIN | ||
| Effective Date: 03/01/2011 | ||
| Term | APR* | APY* |
| 12 months | 0.40% | 0.40% |
| *Annual Percentage Rate **Annual Percentage Yield | ||