Rates Effective:
| Current Loan Specials as of May 2, 2012 | |
| APR | Info and/or Terms |
| As low as 2.74% * |
Personal Loan Term: 18 Months Maximum Loan Amount up to $3500.00 *This rate includes the .75% discount |
| As Low As 2.99% * |
Home Equity Special Term 58 Months Minimum Loan Amount $5,800.00 Maximum Loan Amount $75,000.00 Full Appraisal is required * This rate includes the .75% discount. |
| Mortgage Rates - Effective May 2, 2012 | |
| The rates and fees for Investment Properties and loan amounts of under $40,000 and more than $417,000 are different* | |
| Conventional Rates | |
| APR | Info and/or Terms |
| 2.875% |
10 Year 0 Points * |
| 2.500% |
10 Year 3 Points * |
| 3.125% |
15 Year 0 Points * |
| 2.625% |
15 Year 3 Points * |
| 3.750% |
20 Year 0 Points * |
| 3.375% |
20 Year 3 Points * |
| 3.875% |
30 Years 0 Points * |
| 3.500% |
30 Years 3 Points * |
| JUMBO LOANS: AMOUNTS ABOVE $417,000 | |
| 30,25,20 Year Fixed | Call for rates |
| 15,10 Year Fixed | Call for rates |
| Adjustable Rate Mortgages | |
| APR | Info and/or Terms |
| 2.375% |
ARM - Adjustable Rate Mortgage One/Year ARM 0 points |
| 3.000% |
ARM - Adjustable Rate Mortgage Three/One ARM 0 Points |
| 3.375% |
ARM - Adjustable Rate Mortgage Five/One ARM 0 Points |
| 3.750% |
ARM - Adjustable Rate Mortgage Seven/One ARM 0 Points |
| 4.125% |
ARM - Adjustable Rate Mortgage Ten/One ARM 0 Points |
| FHA | |
| APR | Info and/or Terms |
| 3.625% |
15 Years FHA / VA 0 Points |
| 3.250% |
15 Years FHA / VA 3 Points |
| 3.875% |
30 Years FHA / VA 0 Points |
| 3.625% |
30 Years FHA / VA 3 Points |
| * Mortgages on investment properties are higher! Please contact a Mortgage Representative for the interest rates and fees for investment properties and for loans less than $40,000 or more than $417,000. Toll Free 800-808-2662 | |
| Used Vehicle, Motorcycles, Boats & ATV's Rates | |
| APR | Info and/or Terms |
| Rates as low as 2.69%* |
With terms up to 72 months *This rate includes the .75% discount. |
| Rate as low as 5.49%* |
Older Vehicles / Recreational Vehicles 2001 OR OLDER Term: 36 Months *This rate includes the .75% discount. |
| New Vehicle, Motorcycles, Boats & ATV's Rates | |
| APR | Info and/or Terms |
| Rates as low as 2.09%* |
With terms up to 84 Months 105% Financing on Vehicles & Motorcycles 80% Financings on Boats & ATV's *This rate includes the .75% discount. |
| MAPS â"¢ Leasing - New | |
| APR | Info and/or Terms |
| As low as 2.09%.* |
Term: Up to 72 months *This rate includes the .75% discount. |
| MAPS â"¢ Leasing - Used | |
| APR | Info and/or Terms |
| As low as 2.69%* |
Titled 3 year old Term: Up to 36 months *This rate includes the .75% discount. |
| As low as 2.69%* |
Titled 2 year old Term: Up to 48 months *This rate includes the .75% discount. |
| As low as 2.69%* |
Titled 1 year old Term: Up to 60 months *This rate includes the .75% discount. |
| Personal | |
| APR | Info and/or Terms |
| As low as 7.24%* |
Term: 72 Months Limit 20% of Gross Income not to exceed $10,000.00 *This rate includes the .75% discount. |
| Personal Line of Credit | |
| APR | Info and/or Terms |
| As low as 7.24% |
Term: Up to 72 Months Maximum loan amount up to $10,000.00 |
| Share Secured | |
| APR | Info and/or Terms |
| As low as 5.25%* |
Term: 6 Years *This rate includes the .75% discount. |
| Balloon Loan | |
| APR | Info and/or Terms |
| 10.40% | Term: 90 Days |
| Better Choice Loans | |
| APR | Info and/or Terms |
| 13.50% |
$500.00 Maximum Term: 90 Days $20.00 non-refundable application fee |
| Home Equity Adjustable Rate | |
| APR | Info and/or Terms |
|
2.99% Introductory Rate Regular Rate= Prime Rate |
Term: Up to 20 Years Up to 80% Financing Full Appraisal Required by the Credit Union The special introductory rate is in effect until June 30, 2011. At the end of the introductory rate term, the rate converts to the Prime Rate. Maximum rate is 18.00%. Minimum rate 5.00%, The annual percentage rate can change quarterly on the first day of January, April, July and October. There is no limit on the amount by which the annual percentage rate can change during any one year period. Rates shown are for qualified borrowers. Other rates and terms are available. Contact the credit union for the complete loan details. |
| Home Equity - Fixed Rate | |
| APR | Info and/or Terms |
| As low as 5.24%* |
Term: Up to 5 Years Full Appraisal Required By Credit Union *This rate includes the .75% discount. |
| As low as 5.24%* |
Term: Up to 10 Years Full Appraisal Required By Credit Union *This rate includes the .75% discount. |
| As low as 5.74%* |
Term: Up to 5 Years $24,000.00 Maximum Loan Amount Drive By Appraisal Required By Credit Union *This rate includes the .75% discount. |
| As low as 5.74%* |
Term: Up to 15 Years Full Appraisal Required by the Credit Union *This rate includes the .75% discount. |
Dividend RatesEffective
as of 9/29/2011 • Share/Savings Accounts |
| • Choice MMA Accts (Money Market Accts) |
| • Share Certificates |
| Share/Savings Accounts | ||
| APR | APY | Terms & Info |
| 0.10% | 0.10% | $100.00 - $5,000.99 |
| 0.10% | 0.10% | $5,001.00 - unlimited |
| 0.10% | 0.10% | Christmas Club Account |
| 0.10% | 0.10% | Vacation/All Purpose Accounts |
| 1.00% | 1.00% | IRAs |
| Choice MMA Accts (Money Market Accts) | ||
| APR | APY | Terms & Info |
| 0.30% | 0.30% | -Minimum Balance of $2,000.00 to $19,999.99 -Each Withdrawalmust be at least $500.00 -Maximum of 6 withdrawals per month -$100.00 required in primary savings account |
| 0.30% | 0.30% | -Minimum Balance of $20,000.00 to $49,999.99 -Each Withdrawalmust be at least $500.00 -Maximum of 6 withdrawals per month -$100.00 required in primary savings account |
| 0.40% | 0.40% | -Minimum Balance of $50,000.00 to $99,999.99 -Each Withdrawalmust be at least $500.00 -Maximum of 6 withdrawals per month -$100.00 required in primary savings account |
| 0.50% | 0.50% | -Minimum Balance of $100,000.00 up -Each Withdrawalmust be at least $500.00 -Maximum of 6 withdrawals per month -$100.00 required in primary savings account |
| Share Certificates | ||
| APR | APY | Terms & Info |
| 0.35% | 0.35% | Term: 6-Months Quoted Monthly Minimum Investment balance of $500.00 Early withdrawal penalty is 90 days of dividends earned or not. |
| 0.55% | 0.55% | Term: 12-Months Quoted Monthly Minimum Investment balance of $500.00 Early withdrawal penalty is 90 days of dividends earned or not |
| 0.70% | 0.70% | Term: 24-Months Quoted Monthly Minimum Investment balance of $500.00 Early withdrawal penalty is 180 days of dividends earned or not. |
| 1.10% | 1.11% | Term: 36-Months Quoted Monthly Minimum Investment balance of $500.00 Early withdrawal penalty is 180 days of dividends earned or not |
| 1.40% | 1.41% | Term: 48-Months Quoted Monthly Minimum Investment balance of $500.00 Early withdrawal penalty is 180 days of dividends earned or not |
| 1.50% | 1.51% | Term: 60-Months Quoted Monthly Minimum Investment balance of $500.00 Early withdrawal penalty is 180 days of dividends earned or not |
