Share Accounts
For the quarter ending September 30th, 2008
APR APY
$0.01 -     $9,999.99   1.75% 1.77%
$10,000.00 -   $49,999.99   2.00% 2.02%
$50,000.01 - $999,999.99 2.25% 2.27%
Calculation is based upon the member's average quarterly balance. Dividends are disbursed and compounded on the last day of the quarter.

Share Certificates

For the quarter ending December 30th, 2008
Term Minimum balance APR APY
1 Year $500.00 > 3.25% * 3.30% *
2 Year $500.00 > 3.50% * 3.56% *
Calculation is based upon the member's average quarterly balance. Dividends are disbursed and compounded on the last day of the quarter.
*Penalty for early withdrawal will be the last 30 days of accrued interest at the date of closing, for 1 year certificates, and 90 days of accrued interest for 2 year certificates.
Fees may reduce earnings.

Rate Information:
The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Share accounts, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union’s Board of Directors. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.


Current Mortgage Rates
Loan Calculator

APR Term
Share Secured Loan 4.50% 120 months
Home Equity Loan Line of Credit
   ·Variable rate based on Prime + 0%, adjusted
    semiannually
   ·No Closing Costs
   ·May be tax deductible
3% - Prime for life. 180 months
Home Improvement Loan 7.50% 180 months
New Automobile 5.50% 72 months

Used Automobile 2003 – 2007

6.50% 60 months
New Recreational Vehicle Loan 7.00% 60 months
7.25% 180 months
Used Recreational Vehicle Loan 7.50% 60 months
7.75% 120 months
Unsecured Loan 10.9% 12 months
11.9% 36 months
12.9% 60 months
Visa Platinum Credit Card 9.99%



 


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