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Savings Rates | Mortgage Rates | Loan Rates | Auto Loan Rates | Fee Schedule
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Rates Effective as of 11/21/2008
Rates are subject to change without prior notice.
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Savings Rates
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Account
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Minimum Opening Balance
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Dividend
Rate
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Annual
Percentage
Yield
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Minimum Balance Required To Earn Annual Percentage Yield
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Penalty Imposed For Early Withdrawal
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Regular Shares
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$50
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1.250
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1.260
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$50
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-
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Share Drafts (Checking)
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$250
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0.250
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0.250
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$200
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-
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3-Month Share Certificate *
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$1,000
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3.000
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3.050
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$1,000
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Yes
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6-Month Share Certificate *
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$1,000
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4.000
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4.080
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$1,000
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Yes
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1-Year Share Certificate *
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$1,000
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4.100
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4.180
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$1,000
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Yes
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2-Year Share Certificate *
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$1,000
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4.250
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4.340
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$1,000
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Yes
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3-Year Share Certificate *
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$1,000
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4.300
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4.390
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$1,000
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Yes
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4-Year Share Certificate *
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$1,000
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4.350
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4.440
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$1,000
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Yes
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5-Year Share Certificate *
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$1,000
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4.500
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4.600
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$1,000
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Yes
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Money Market Up to $49,999
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$2,500
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2.250
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2.280
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$2,500
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-
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Money Market - $50,000 & Up
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$2,500
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2.500
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2.530
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$2,500
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-
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IRA shares *
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None
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3.000
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3.050
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$50
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Yes
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Escrow share
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-
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0.250
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0.250
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-
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-
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* Share and IRA Certificates, which have a balance of $50,000.00 or more, and are placed or rolled over
for a term over two (2) years will receive a 0.15 % BONUS over the stated rate. In addition,
if a share certificate has over $100,000.00, the member will receive a 0.15 % BONUS over the stated rate.
*** A share certificate can only have ONE bonus. ***
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Mortgage Rates
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1-4 Family Owner OCCUPIED
Mortgages over the jumbo limit will be .125% higher
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RATE
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Annual Percentage Rate (APR)
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10 Year Fixed Mortgage
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Zero Points
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5.625%
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15 Year Fixed Mortgage
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Zero Points
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5.875%
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15 Year Fixed Mortgage
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One Point
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5.750%
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15 Year Fixed Mortgage
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Two Points
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5.625%
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20 Year Fixed Mortgage
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Zero Points
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6.250%
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25 Year Fixed Mortgage
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Zero Points
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6.375%
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30 Year Fixed Mortgage
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Zero Points
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6.375%
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1 Year Adjustable
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Zero Points
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5.000%
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3 Year Adjustable
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Zero Points
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5.250%
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5 Year Adjustable
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Zero Points
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5.375%
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7 Year Adjustable
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Zero Points
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5.625%
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10 Year Balloon
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30 Year Payout
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6.375%
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Primary Use Vacant Land
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RATE
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APR
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3 Year Balloon / 25 Year Payout
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6.625%
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5 Year Balloon / 25 Year Payout
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6.875%
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Land for Investment Property
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Add .50 Basis Points
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Condominiums
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15 Years
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Same as 1st Mortgage Rates
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30 Year ARM
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Same as 1st Mortgage Rates
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Member Business Loans
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1-4 Family (Non Owner Occupied)
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RATE
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APR
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12 Year Fixed
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Zero Points
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7.125%
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15 Year Fixed
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Zero Points
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7.250%
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3 Year ARM
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Zero Points
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6.500%
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10 Year Balloon / 30 Year Payout
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Fixed Mortgage
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7.250%
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Over 4 Family
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RATE
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APR
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12 Year Fixed
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Zero Points
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7.125%
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15 Year Fixed
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Zero Points
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7.250%
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3 Year ARM
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Zero Points
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6.500%
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10 Year Balloon/30 Year Payout
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Fixed Mortgage
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7.375%
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Four to Six Family Owner Occupied
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RATE
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APR
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12 Year Fixed
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Zero Points
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7.250%
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15 Year Fixed
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Zero Points
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7.375%
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10 Year Balloon/30 Year Payout
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Fixed Mortgage
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7.250%
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Commercial Real Estate
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RATE
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APR
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10 Year Balloon/30 Year Payout
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Half Point
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7.625%
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Construction Loan
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RATE
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APR
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Owner Occupied Residence
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7.750%
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Non-Owner Occupied Residence
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8.000%
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Commercial
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8.250%
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Home Equity Line of Credit
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5 Year Draw
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15 Year (Max) Payback Period
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Prime for Life of Loan
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Back to Top
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Loan Rates
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Pledge of Shares
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Up to 12 Months
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3.500% APR
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13 to 24 Months
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3.750% APR
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