|Regular Share (Savings)||$25.00 For Membership |
$100 To Earn Dividend
|Club & Escrow Accounts||$5.00||0.05||0.05||10/01/2017|
|Regular Checking Account||None||0.00||0.00||07/01/2013|
|REWARDS +Plus+ CHECKING|
|Range - $0.01 to 25,000-Achieve Goals||None||0.75||0.75||10/01/2017|
|Range - $25,001 & Up-Achieve Goals||None||0.10||0.10||10/01/2017|
|Any Balance - Unachieved Goals||None||0.10||0.10||07/01/2013|
(CIA) - Cash Investment Account
(CCIA) -Corporate Cash Investment
(Checking For Businesses)
|$1,000 - $2,499||0.15||0.15||04/01/2019|
|CIA and CCIA||$2,500 - $9,999||0.35||0.35||04/01/2019|
|CIA and CCIA||$10,000 - $24,999||0.45||0.45||04/01/2019|
|CIA and CCIA||$25,000 - $49,999||0.70||0.70||04/01/2019|
|CIA and CCIA||$50,000 - $99,999||0.75||0.75||04/01/2019|
|CIA and CCIA||$100,000 and Greater||0.80||0.80||04/01/2019|
|(IRA) - Individual Retirement Account||$7.50||0.30||0.30||10/01/2018|
|Share Certificate Account Builder||$5.00||0.07||0.07||07/01/2013|
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.
You must maintain a minimum balance of $100.00 in your Regular Share Account (Share 1) to earn dividend. A $25.00 minimum balance continues to be a membership requirement.
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. Your address and telephone number can be changed by logging into Home Branch.
|12 Month||$500.00||1.99||2.00||See Below|
SHARE CERTIFICATE RATES ARE EFFECTIVE ** 08-13-2018 **
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
IRA’s can be purchased as a Share Certificate of Deposit. The Rates would be the same as the Certificates of Deposit quoted above. IRA’s are for a minimum of a 12 month term.
NOTE: Fees could reduce the earnings paid on an account.
Consumer Secured Loans - (Car or Truck Rates)
|Fixed||100% of retail||3.49%||3.74%||3.99%||4.99%||6.24%||12/01/2018|
* APR - Annual Percentage Rate. These are the best possible rates. Actual rates and terms are based on credit score and amount financed.
Real Estate Loans
|Home Equity Line of Credit||Variable||5 Year Draw & |
15 Year Payback
|* Prime |
|Mortgage 7 years||Fixed||7 Years||** 3.750%||06/01/2019|
|Mortgage 10 years||Fixed||10 Years||** 3.875%||06/01/2019|
|Mortgage 12 years||Fixed||12 Years||** 3.900%||06/01/2019|
|Mortgage - 15 Year||Fixed||15 Year||** 4.000%||06/01/2019|
|Mortgage - 20 years||Fixed||20 Year||** 4.125%||06/01/2019|
|Mortgage - 30 years||Fixed||30 Year||** 4.250%||06/01/2019|
|Second Mortgage 5 year||Fixed||5 Year||** 5.250%||06/01/2019|
|Second Mortgage 10 year||Fixed||10 Year||** 5.375%||06/01/2019|
|Second Mortgage - 15 Year||Fixed||15 Year||** 5.500%||06/01/2019|
***Call the Main Office (502) 429-4955 or (800) 288-5228 for current rates.
All real estate rates based on 80% Loan to Value (LTV) unless otherwise stated and must be a 1st or 2nd Mortgage.
*(Prime is currently 5.50%) 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.
|Description||Rate||Max. Term/Amount||Effective Date|
|Signature Loan||* 9.99%||Up to $10,000||12/01/2018|
|Share Secured||** Share rate plus 3.00%||15 Years||07/21/2010|
|Certificate Secured||Certificate rate plus 3.50%||15 Years||02/01/2010|
* All loan rates are calculated as annual percentage rates. Actual rates and maximum credit limit may vary and are based on a credit score and repayment term.
**If the Share Rate is tiered the Highest Rate Determines the Loan Rate.
All Loan Rates are quoted as Annual Percentage Rates.