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LOAN RATES
| New Auto Rates | ||
| Model Year | APR* | Maximum Term |
New 2011-2012 |
5.00% | 72 Months* |
New 2011-2012 |
4.75% | 60 Months |
New 2011-2012 |
4.25% | 48 Months |
New 2011-2012 |
3.75% | 36 Months |
*Rate/Term for loans greater than $15,000, less than 15,000 miles | ||
| Used Auto Rates | ||
| Model Year | APR* | Maximum Term |
Used 2010-2011 |
5.25% | 72 Months* |
Used 2011 |
5.00% | 60 Months |
Used 2010 |
5.00% | 54 Months |
Used 2008-2009 |
5.00% | 48 Months |
Used 2006-2007 |
5.00% | 42 months |
2005 & Older |
5.00% | Negotiable |
* Rate/Term for loans greater than $15,000, Less than 30,000 miles | ||
| New Recreational Vehicle Rates | ||
| Type | APR* | Term |
New RV Loan Rates 2011-2012 |
4.00% | 36 months |
| 4.50% | 48 months | |
| 5.00% | 60 months | |
| 5.25% | 72 months |
|
| 6.00% | 73-119 Months |
|
| 6.50% | 120-143 Months |
|
| 7.00% | 144-179 Months |
|
| 7.50% | 180 Months |
|
| Used Recreational Vehicle Rates | ||
| Type | APR* | Term |
| Used RV Loan Rates | 5.25% | 36 months |
| 5.25% | 48 months | |
| 5.25% | 60 months | |
| 5.50% | 72 months | |
| 6.25% | 73-119 Months | |
| 6.75% | 120-143 Months | |
| 7.25% | 144-179 Months | |
| 7.75% | 180 Months | |
| New Boat Rates | ||
| Type | APR* | Term |
New Boat Loan Rates 2011-2012 |
4.00% | 36 Months |
| 4.50% | 48 Months | |
| 5.00% | 60 Months | |
| 5.25% | 72 Months | |
| 6.00% | 73 to 119 Months | |
| 6.50% | 120 to 143 Months | |
| 7.00% | 144 to 179 Months | |
| 7.50% | 180 Months | |
| Used Boat Rates | ||
| Type | APR* | Term |
Used Boat Loan Rates |
5.25% | 36 Months |
| 5.25% | 48 Months | |
| 5.25% | 60 Months | |
| 5.50% | 72 Months | |
| 6.25% | 73 to 119 Months | |
| 6.75% | 120 to 143 Months | |
| 7.25% | 144 to 179 Months | |
| 7.75% | 180 Months | |
| New Motorcycle Rates | ||
| Type | APR* | Term |
New Motorcycle Loan Rates 2011-2012 |
4.00% | 36 Months |
| 4.50% | 48 Months | |
| 5.00% | 60 Months | |
| Used Motorcycle Rates | ||
| Type | APR* | Term |
Used Motorcycle Loan Rates |
5.50% | 36 Months |
| 5.50% | 48 Months | |
| 5.50% | 60 Months | |
| New ATV Rates | ||
| Type | APR* | Term |
New ATV Rates |
4.00% | 36 Months |
| 4.50% | 48 Months | |
| 5.00% | 60 Months | |
| Used ATV Rates | ||
| Type | APR* | Term |
Used ATV Rates |
5.25% | 36 Months |
| 5.25% | 48 Months | |
| 5.25% | 60 Months | |
SIGNATURE LOAN RATES
| Revolving Line of Credit | |||
| Name | Type | APR* | Maximum Rate (Variable) |
Revolving Line of Credit |
Variable | 6.25% | 14.00% |
| Signature Loan Rate | ||
| Name | APR* | Type |
Signature Loan |
15.00% | Fixed |
| Overdraft Protection Line of Credit | ||
| Name | APR* | Type |
Overdraft Protection Line of Credit |
15.00% | Fixed |
| Save Green Signature Loan Rates | |||
| Name | APR* | Type | Term |
$500 - $2,500 |
6.00% | Fixed |
24 month |
$2,501 - $5,000 |
6.50% | Fixed |
36 month |
$5,001 - $10,000 |
7.00% | Fixed |
48 month |
$10,001 - $15,000 |
7.50% | Fixed |
60 month |
$10,001 - $15,000 |
8.00% | Fixed |
72 month |
* Annual Percentage Rate | |||
SECURED LOAN RATES
| Secured Loan | ||
| Name | APR* | Type |
Snowmobile |
7.75% | Fixed |
| Tractor | 7.75% | Fixed |
| Personal Computer | 7.75% | Fixed |
| Fully Secured Collateral | 7.75% | Fixed |
| Share Secured Loan | ||
| Name | APR* | Type |
Share Secured Loan |
4.50% | Fixed |
| CD Secured Loan | ||
| Name | APR* | Type |
CD Secured Loan |
CD rate + 2% | Fixed |
| Credit Card Rates | |||||||||
| Type | Purchase APR+ | Balance Tfr. APR+ | Cash Adv. APR+ | Min. Fin. Charge | Annual Fee | Grace Period Purchases | Late Pmt. Fee | Over Limit Fee | Computation Method** |
| Classic | 13.96* | 13.96* | 13.96* | None | None | 25 Days | $10.00 | None | Average Daily Balance |
| Gold ++ | 9.96* | 9.96* | 9.96* | None | None | 25 Days | $10.00 | None | Average Daily Balance |
| Platinum +++ | 8.96* | 8.96* | 8.96* | None | None | 25 Days | $10.00 | None | Average Daily Balance |
| + Interest Rate Based On Approval | |||||||||
| ++ Variable Rate Information - Your APR for purchase transactions may vary. The rate for a MasterCard Gold or Visa Gold is determined monthly by adding 7% to the 3 Month Treasury Bill (Yearly Adjustable Rate) | |||||||||
| +++ Variable Rate Information - Your APR for purchase transactions may vary. The rate for a MasterCard Platinum or Visa Platinum is determined monthly by adding 4.5% to the 3 Month Treasury Bill. (Yearly Adjustable Rate) | |||||||||
| * Annual Percentage Rate | |||||||||
| ** Average Daily Balance Including New Purchases | |||||||||
| International Transaction Fee - Up to 1% of Foreign Transactions | |||||||||
| Share Secured Credit Card Rates | |||||||||
| Type | Purchase APR+ | Balance Tfr. APR+ | Cash Adv. APR+ | Min. Fin. Charge | Annual Fee | Grace Period Purchases | Late Pmt. Fee | Over Limit Fee | Computation Method** |
| Classic | 13.96* | 13.96* | 13.96* | None | None | 25 Days | $10.00 | None | Average Daily Balance |
| Platinum | 8.99* | 8.99* | 8.99* | None | None | 25 Days | $10.00 | None | Average Daily Balance |
+ Interest Rate Based On Approval | |||||||||
* Annual Percentage Rate | |||||||||
** Average Daily Balance Including New Purchases | |||||||||
International Transaction Fee - Up to 1% of Foreign Transactions | |||||||||
SAVINGS & INVESTMENTS
| Savings Accounts | |||
| Account | Minimum Balance for Yield | Rate | Dividend & Interest |
| Member Junior Share | $5.00 |
0.10% | Dividend calculated daily, compounded and credited every quarter |
Member Share |
$100 - $2,499 |
0.10% | Dividend calculated daily, compounded and credited every quarter |
Member Share |
$2,500 - 4,999 |
0.15% | Dividend calculated daily, compounded and credited every quarter |
Member Share |
$5,000 - 9,999 |
0.20% | Dividend calculated daily, compounded and credited every quarter |
Member Share |
$10,000 + |
0.25% | Dividend calculated daily, compounded and credited every quarter |
| Savings Rates | |||
| Account | Rate | APY* | Daily Minimum Balance |
Member Junior Share |
0.10% | 0.10% | $5.00 |
| Member Share | 0.10% | 0.10% | $100 - 2,499 |
| 0.15% | 0.15% | $2,500 - 4,999 | |
| 0.20% | 0.20% | $5,000 - 9,999 | |
| 0.25% | 0.25% | $10,000 + | |
Direct Share |
0.10% | 0.10% | $100 - 2,499 |
| 0.15% | 0.15% | $2,500 - 4,999 |
|
| 0.20% | 0.20% | $5,000 - 9,999 |
|
| 0.25% | 0.25% | $10,000 + |
|
| Interest Share | 0.10% | 0.10% | $100 - 2,499 |
| 0.15% | 0.15% | $2,500 - 4,999 | |
| 0.20% | 0.20% | $5,000 - $9,999 | |
| 0.25% | 0.25% | $10,000 + | |
| Mature Share | 0.10% | 0.10% | $100 - 2,499 |
| 0.15% | 0.15% | $2,500 - 4,999 | |
| 0.20% | 0.20% | $5,000 - $9,999 | |
| 0.25% | 0.25% | $10,000 + | |
| Daily Dividend | 0.10% | 0.10% | $0.00 |
| Vacation Fund | 0.10% | 0.10% | $0.00 |
| Christmas Club | 0.10% | 0.10% | $0.00 |
* Annual Percentage Yield | |||
| Individual Retirement Account Rates | |||
| Account | Minimum Deposit to Open | Rate | APY* |
| IRA - Traditional | $0 | 0.35% | 0.35% |
| IRA - Roth | $0 | 0.35% | 0.35% |
| IRA - Roth Conversion | $0 | 0.35% | 0.35% |
| IRA - Education | $0 | 0.35% | 0.35% |
| * Annual Percentage Yield | |||
| Money Market Share Rates | ||||
| Account | Minimum Balance for Yield | Rate | APY* | Dividend & Interest |
| Money Market Shares | $1,000 - 4,999 | 0.15% | 0.15% | Dividend calculated daily, compounded and credited every month |
| $5,000 - 9,999 | 0.20% | 0.20% | Dividend calculated daily, compounded and credited every monthly |
|
| $10,000 + | 0.30% | 0.30% | Dividend calculated daily, compounded and credited every monthly |
|
| * Annual Percentage Yield | ||||
| Individual Retirement Account CD Rates | ||||
| Name | Term | Minimum Deposit to Open | Rate | APY* |
| Traditional | 12 month |
$500 |
0.25% | 0.25% |
24 month |
$500 |
0.50% | 0.50% | |
60 month |
$500 | 0.75% | 0.75% | |
12 month jumbo |
$25,000 | 0.50% | 0.50% | |
36 month jumbo |
$25,000 | 0.75% | 0.75% | |
48 month jumbo |
$25,000 | 1.00% | 1.00% | |
60 month jumbo |
$25,000 | 1.25% | 1.26% | |
| Roth | 12 month | $500 | 0.25% | 0.25% |
| 24 month | $500 | 0.50% | 0.50% | |
| 60 month | $500 | 0.75% | 0.75% | |
| 12 month jumbo | $25,000 | 0.50% | 0.50% | |
| 36 month jumbo | $25,000 | 0.75% | 0.75% | |
| 48 month jumbo | $25,000 | 1.00% | 1.00% | |
| 60 month jumbo | $25,000 | 1.25% | 1.26% | |
| Roth Conversion | 12 month | $500 | 0.25% | 0.25% |
| 24 month | $500 | 0.50% | 0.50% | |
| 60 month | $500 | 0.75% | 0.75% | |
| 12 month jumbo | $25,000 | 0.50% | 0.50% | |
| 36 month jumbo | $25,000 | 0.75% | 0.75% | |
| 48 month jumbo | $25,000 | 1.00% | 1.00% | |
| 60 month jumbo | $25,000 | 1.25% | 1.26% | |
| Educational | 24 month | $500 | 0.50% | 0.50% |
| * Annual Percentage Yield | ||||
| Certificate of Deposit | |||
| Term | Minimum Deposit to Open | Rate | APY* |
| 3 month | $500 | 0.25% | 0.25% |
| 6 month | $500 | 0.25% | 0.25% |
| 12 month | $500 | 0.25% | 0.25% |
| 18 month | $1,000 | 0.50% | 0.50% |
| 24 month | $1,000 | 0.50% | 0.50% |
| 60 month | $1,000 | 0.75% | 0.75% |
| 12 month jumbo | $25,000 | 0.50% | 0.50% |
| 24 month jumbo | $25,000 | 0.50% | 0.50% |
| 36 month jumbo | $25,000 | 0.75% | 0.75% |
| 48 month jumbo | $25,000 | 1.00% | 1.00% |
| 60 month jumbo | $25,000 | 1.25% | 1.26% |
| * Annual Percentage Yield | |||
| Interest calculated daily, compounded and credited every month | |||
| BONUS CD RATE FOR DIRECT CHECKING & INTEREST CHECKING | |||
| Term | Minimum Deposit to Open | Rate | APY* |
| 3 month | $500 | 0.50% | 0.50% |
| 6 month | $500 | 0.50% | 0.50% |
| 12 month | $500 | 0.50% | 0.50% |
| * Annual Percentage Yield | |||
FEATURED RATES
| Featured Rates | ||
| Name | Rate | Term |
| 3.75* | 36 months |
|
| 5.00* | 60 months |
|
| 6.25* | Variable |
|
| 8.96%* | Variable |
|
MORTGAGE RATES
| Mortgage Rates | ||
| Name | Term | APR* |
First Mortgage Products |
10 Year Amortization | 4.50% |
| 15 Year Amortization | 4.65% | |
| 5 Yr Balloon/ 25 Yr Amortization | 5.00% | |
| 7 Yr Balloon/ 30 Yr Amortization | 5.25% | |
| 10 Yr Balloon/ 30 Yr Amortization | 5.35% | |
| Mobile Homes on Private Property | 5 Yr Balloon/ 20 Yr Amortization | 5.35% |
| Vacant Land | 5 Yr Balloon/ 15 Yr Amortization | 8.00% |
| Construction Loan | 9 months (Interest only) | 6.75% |
| Home Equity Loan Rates | ||
| Name | APR* | Maximum Rate (Variable) |
| Home Equity | 6.75% | N/A |
| Home Equity Line of Credit | 7.50% | 14.00% |
| Platinum Line of Credit | 4.50% | 14.00% |
| Members Choice Line of Credit | 5.50% | 14.00% |
| Save Green Home Equity Loan Rates | |||
| Name | APR* | Type | Term |
$5,000 - $10,000 |
7.00% | Fixed |
60 months |
$10,001 - $25,000 |
7.00% | Fixed |
90 months |
$25,001 + |
7.00% | Fixed |
120 months |
* Annual Percentage Rate | |||
INTEREST CHECKING
| Interest Checking Rates | |||
| Account | Rate | APY* | Daily Minimum Balance |
Interest Checking |
0.10% | 0.10% | $2,500 - 4,999 |
| 0.20% | 0.20% | $5,000 - 9,999 | |
| 0.30% | 0.30% | $10,000 + | |
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