Rates










 

Loans | Savings | Certificates

RATES EFFECTIVE 12/15/2008

Loans Rate APR* Term  
NEW  VEHICLE (2009, 2008, 2007, 2006)  6.000 6.000 60 Calculator
NEW VEHICLE (2009, 2008, 2007,2006,)**  6.000 6.000 72 Calculator
USED VEHICLE -  2005***  7.000 7.000 60 Calculator
USED VEHICLE - 2004, 2003***  7.000 7.000 48 Calculator
EDUCATION - CREDIT UNION 9.000 9.000 120 Calculator
EDUCATION - PHEAA APPROVED**** 6.800 6.800 48 Calculator
REAL ESTATE - MORTGAGE-ADJ RATE 5.500 5.500 240 Calculator
REAL ESTATE-MORTGAGE-FIXED RATE 5.750 5.750 180 Calculator
HOME EQUITY - ADJ RATE - 1st QTR 2009 4.490 4.490 n/a  
MOBILE HOMES - NEW 6.000 6.000 180 Calculator
MOBILE HOMES - USED 7.000 7.000 n/a  
PERSONAL/FULLY SECURED/SHARES 3.996 3.996 60 Calculator
PERSONAL/FULLY SECURED/CERTIFICATE***** 6.357 6.357 60 Calculator
PERSONAL/UNSECURED 9.500 9.500 60 Calculator

 

*APR equals annual percentage rate
**72 mos available for "new" vehicles valued over $18,000.
***Up to 48 mos available for 2003 & 2004.  Up to 60 mos available for 2005.
****Loans first disbursed on or after July 1, 2008. Call for more information.
*****Highest certificate rate used for calculation purposes.
ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE.
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Rates effective 12/15/2008

 

Savings Rate APY* Term
Regular Shares - $50 or more** 0.996 1.000 n/a
Special Shares(Vacation, taxes, etc.) 0.996 1.000 n/a
Christmas   3.941

4.000

n/a
Share Drafts - $500 or more*** 0.499 0.500 n/a
IRA Shares 2.231 2.250 n/a

 

*APY equals annual percentage yield
**Dividends earned on daily balances of $50 or more
***Dividends earned on daily balances of $500 or more
The dividend rate and annual percentage yield may change every dividend period. 
We may change the dividend rate for your account as determined by the credit union board of directors.
If a share account is closed for any reason other than death, dividends earned by not yet credited, will not be paid.
ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE.

We are now offering a 3 Month Certificate of Deposit
Minimum balance $500 - Automatic Renewal
1.90%APY
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Rates effective 12/15/2008
 IRA  36 MOS
CERTIFICATE OF DEPOSIT
4.40% APY including
TRADITIONAL, ROTH AND COVERDELL ESA

 

Certificates Rate APY* Term
3 Month Certificate***

1.884

1.900 3
6 Month Certificate***

2.031

2.050 6
9 Month Certificate*** 2.129 2.150 9
12 Month Certificate 2.231 2.250 12

18 Month Certificate

2.330 2.350

18

24 Month Certificate 2.428 2.450 24
30 Month Certificate 2.526  2.550 30
36 Month Certificate 2.869 2.900 36
36 Month Certificate-$1000 minimum  3.016 3.050 36
36 Month Certificate-$5000 minimum  3.357 3.400 36
IRA /12 Month Certificate 3.844 3.900 12
IRA/24 Month Certificate

4.087

4.150 24
IRA/36 Month Certificate 4.329 4.400 36

 

*APY equals annual percentage yield
**$500 minimum balance for all terms
***3, 6 and 9 month certificates renew automatically unless CU is advised otherwise
****All other terms will be deposited to shares at maturity unless CU is advised otherwise
Penalty for early withdrawal of 3, 6 or 9 month certificate of deposit  will be the value of one month's dividend, if earned.
Penalty for early withdrawal of 12 to 36 month certificates of deposit will be the value of one quarter's (three months) dividend,
if earned.
ALL RATES SUBJECT TO  CHANGE WITHOUT NOTICE.

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