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Share Account Rates
| Share Accounts |
| Description |
Minimum |
Rate |
APY |
Effective Date |
| Regular Share (Savings) |
$25.00 |
1.49 |
1.50 |
01/01/2008 |
| Club & Escrow Accounts |
$5.00 |
1.24 |
1.25 |
01/01/2008 |
| Regular Checking Account |
None |
0.00 |
0.00 |
|
REWARDS
+Plus+
CHECKING |
None |
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| $0.01 to 50,000-Achieve Goals |
|
4.17 |
4.25 |
12/01/2007 |
| $50,001 & Up-Achieve Goals |
|
0.50 |
0.50 |
12/01/2007 |
| Any Balance - Unachieved Goals |
|
0.50 |
0.50 |
12/01/2007 |
MONEY MARKET ACCOUNTS
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(CIA) - Cash Investment Account
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(CCIA) -Corporate Cash Investment
(Checking For Businesses) |
$1,000 - $2,499 |
1.34 |
1.35 |
04/01/2008 |
| CIA and CCIA |
$2,500 - $9,999 |
1.73 |
1.75 |
04/01/2008 |
| CIA and CCIA |
$10,000 - $24,999 |
1.98 |
2.00 |
04/01/2008 |
| CIA and CCIA |
$25,000 - $49,999 |
2.23 |
2.25 |
04/01/2008 |
| CIA and CCIA |
$50,000 - $99,999 |
2.96 |
3.00 |
04/01/2008 |
| CIA and CCIA |
$100,000 and Greater |
3.20 |
3.25 |
04/01/2008 |
| (IRA) - Individual Retirement Account |
$5.00 |
2.24 |
2.26 |
01/01/2008 |
| Share Certificate Account Builder |
$5.00 |
1.74 |
1.75 |
01/01/2008 |
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Share Accounts (Regular, Escrow, Club, IRA & SCAB) will be calculated on the average daily balance and posted quarterly on the last day of the current quarter. Dividends will be calculated using the Average Daily Balance.
REWARDS +Plus+ CHECKING accounts will be calculated on the average daily balance and posted monthly on the last day of the current month. Dividends will be calculated using the Average Daily Balance.
CIA & CCIA accounts will be calculated on the average daily balance and posted monthly on the last day of the current month. Dividends will be calculated using the Average Daily Balance. These accounts require a $1,000 minimum balance to earn dividend as detailed above.
If you close one of the accounts listed above before the accrued dividends are credited, the dividend will not be paid. If you do not maintain the required minimum balance in your Regular Share account you are not a member in good standing and expose your account to fees as enumerated in the Schedule of Fees. If you do not maintain the required minimum balance in all other accounts you expose your account to fees as enumerated in the Schedule of Fees. Please promptly report any status change(s) to your account in writing signed by you and mail them to our main office. This stipulation may seem inconvenient to you but is necessary to protect your account, assets and identity. |
Share Certificate Rates
| Share Certificate Accounts |
| Term |
Minimum |
Rate |
APY |
Effective Date |
| 6 Month |
$500.00 |
2.78 |
2.80 |
04/30/2008 |
| 12 Month |
$500.00 |
3.02 |
3.05 |
04/30/2008 |
| 24 Month |
$500.00 |
3.21 |
3.25 |
04/30/2008 |
| 36 Month |
$500.00 |
3.41 |
3.45 |
04/30/2008 |
| 48 Month |
$500.00 |
3.75 |
3.80 |
04/30/2008 |
| 60 Month |
$500.00 |
3.84 |
3.90 |
04/30/2008 |
Share Certificate rates are subject to change weekly, normally on Wednesday, following the Monday treasury bill auction.
Contact our Main Office for information regarding special rates or investment terms for single investments of $100,000 and greater. These opportunities are driven by market conditions and are not always available. For any single (or recent aggregate) deposit of $100,000 or more Management approval is required. If it is for a share certificate account our normal stated rates may not be applicable.
All Share Certificates will be paid dividends calculated at the rate and method of compound stated on the Share Certificate. A penalty will be imposed if you withdraw any funds other than dividends before the maturity date stated on the Share Certificate. If the withdrawal lowers the balance of the Share Certificate lower than the minimum stated for the certificate, then the certificate will be cancelled and dividend will be forfeited.
APY = Annual Percentage Yield |
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IRA's can be purchased as a Share Certificate of Deposit.
THE RATES ARE LISTED ABOVE & ARE THE SAME AS REGULAR CERTIFICATES
(12 Month Minimum Term) |
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| NOTE: Fees could reduce the earnings paid on an account. |
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Loan Rates
| Automobile Loans - (Car or Truck) |
| Model | Type | Amt Financed | *24
Mth | *36
Mth | *48
Mth | *60
Mth | *66
Mth | **72
Mth | ***84
Mth | Effective Date |
| New 2008 or 2007 |
Fixed |
MSRP |
4.99 |
4.99 |
4.99 |
4.99 |
5.49 |
5.74 |
6.49 |
04/01/2008 |
| Used 2007 or 2006 |
Fixed |
NADA Loan Value |
5.49 |
5.49 |
5.49 |
5.49 |
5.99 |
6.24 |
6.74 |
04/01/2008 |
| 2005 |
Fixed |
NADA Loan Value |
5.74 |
5.74 |
5.74 |
5.74 |
6.24 |
N/A |
N/A |
04/01/2008 |
| 2004 |
Fixed |
NADA Loan Value |
5.99 |
5.99 |
5.99 |
5.99 |
N/A |
N/A |
N/A |
04/01/2008 |
| 2003 |
Fixed |
NADA Loan Value |
6.99 |
6.99 |
6.99 |
6.99 |
N/A |
N/A |
N/A |
04/01/2008 |
| 2002 |
Fixed |
NADA Loan Value |
7.24 |
7.24 |
7.24 |
7.24 |
N/A |
N/A |
N/A |
04/01/2008 |
| 2001 |
Fixed |
NADA Loan Value |
7.24 |
7.24 |
7.24 |
7.24 |
N/A |
N/A |
N/A |
04/01/2008 |
| Prior Year Models |
Fixed |
NADA Loan Value |
9.75 |
9.75 |
N/A |
N/A |
N/A |
N/A |
N/A |
04/01/2008 |
| New 2008 |
Prime Rate |
MSRP |
+1.00% |
+1.00% |
+1.00% |
+1.00% |
+1.50% |
+2.00% |
+3.00% |
05/01/2008 |
* Actual rates may vary and are based on a credit score and repayment term.
** Only available for amounts (lending value or purchase price, whichever less) of greater than $20,000.00. Mileage must be less than 20,000 miles on used vehicles. Actual rates may vary and are based on a credit score and repayment term.
*** Only available for amounts (lending value or purchase price, whichever less) of greater than $30,000.00. Mileage must be less than 20,000 miles on used vehicles. Actual rates may vary and are based on a credit score and repayment term.
84 Month Term not available on used vehicles for 'D' and 'E' credit scores or 2006 models
BOAT LOANS available at .50% above the appropriate auto rate
RV LOANS available at .50% above the appropriate auto rate
MOTORCYCLE LOANS available at .75% above the appropriate auto rate
NEW IMPLEMENT LOANS available at .75% above the appropriate auto rate. |
| Real Estate Loans |
| Description |
Type |
Term |
Rate |
Effective Date |
| Home Equity |
Variable Rate |
7 Year Draw &
8 Year Payback |
* Prime |
05/01/2008 |
| Real Estate $5,000 and Greater |
Fixed Rate |
36-95 Months |
** 6.35% |
01/28/2008 |
| Real Estate $45,000 and Less |
Fixed Rate |
96-180 Months |
** 5.60% |
01/28/2008 |
| Real Estate $45,000 and Greater Up To 25 Year Amortizations on 7 year fixed rates - CALL FOR DETAILS! |
Fixed Rate |
96-180 Months |
** 5.10% |
01/28/2008 |
| Mini Mortgage |
Fixed Rate |
36 Months |
** 9.25% |
04/01/2008 |
Real Estate
Non Owner Occupied
100% Equity |
Fixed Rate
Fixed Rate |
Add
Add |
0.50%
2.50% |
|
| First Mortgage |
Fixed Rate |
30 Years |
***Market |
04/01/2008 |
***Call the Main Office (502) 429-4955 or (800) 288-5228 for current rates.
All real estate rates based on 80% Loan to Value and must be a 1st or 2nd Mortgage.
*(Prime is Currently 5.00% and was last changed 05-01-08). Prime is defined as the "US Prime Rate - Latest" published under "Interest Rates" in the Wall Street Journal or 4.25% whichever is greater and existing loans are subject to rate change quarterly. Actual rates may vary and are based on a credit score and repayment term.
** Actual rates may vary and are based on a credit score and repayment term. |
| Other Loans |
| Description |
Rate |
Max. Term/Amount |
Effective Date |
| Signature Loan |
* 9.75% |
$5,000 |
04/01/2008 |
| Share Secured |
4.75% |
15 Years |
04/01/2008 |
| Certificate Secured |
Certificate rate plus 3.50% |
15 Years |
04/01/2008 |
Visa®
(Variable Rate) |
Prime + 5.49% |
|
05/01/2008 |
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* Actual rates may vary and are based on a credit score and repayment term.
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| All Loan Rates are quoted as Annual Percentage Rates. |
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Your savings federally insured to at least
$100,000 and backed by the full faith and credit
of the United States Government
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We do business in accordance with the Federal Fair Housing Law & the Equal Credit Opportunity Act.
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