All Rates - Savings, Checking, Credit Card, Loans

Rates subject to change at any time without notice.

All savings rates are variable. This means that the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.

All rates indicated below are effective as of November 13, 2009.

Savings and Checking

Term Certificates Rates

Footnote Information »
TERM Min. Deposit Min. Balance APY* Dividend
3 Month $250 $250 1.11% 1.10%
6 Month $250 $250 1.31% 1.30%
1 Year $250 $250 1.81% 1.80%
18 Month Bump-Up $250 $250 1.81% 1.80%
2 Year $250 $250 2.43% 2.40%
3 Year $250 $250 2.78% 2.75%
5 Year $250 $250 3.04% 3.00%
JUMBO
3 Month $100,000 $100,000 1.16% 1.15%
6 Month $100,000 $100,000 1.36% 1.35%
1 Year $100,000 $100,000 1.87% 1.85%

Savings Rates

More Information »
Min. Amount Min.Balance APY* Dividend
Regular Savings $0 $0 0.25% 0.25%
Health Savings Account $0 $0 5.12% 5.00%
Holiday Savings $0 $0 0.50% 0.50%
Educational Savings $0 $0 0.25% 0.25%
IRA Savings $0 $0 0.25% 0.25%

Money Market Rates

More Information »
Min. Deposit: $0 Min. Balance APY* Dividend
$0 0.25% 0.25%
$2,500 0.50% 0.50%
$10,000 0.80% 0.80%
$25,000 0.90% 0.90%
$50,000 1.00% 1.00%
$100,000 1.06% 1.05%

IRA Certificates Rates


1 IRAs include: Traditional, Roth, Educational Savings, Simplified Employee Pension Plan. Minimum deposit of $100 required.

2 Variable IRAs include: Roth and Educational. More Information »
Fixed1 APY* Dividend
1 Year 1.81% 1.80%
18-Month Bump Up 1.81% 1.80%
2 Year 2.43% 2.40%
3 Year 2.78% 2.75%
5 Year 3.04% 3.00%
Variable2
60 Months 0.65% 0.65%

Checking Account Rates

More Information »
Min. Deposit Min. Balance APY* Dividend
$0 $0 0.00% 0.00%

Loans

Visa Rates

1 Rates based on credit worthiness. All rates, terms and conditions subject to change without notice.
APR Ranges1
with Rewards (Variable) 5.75% – 12.00%
without Rewards (Fixed) 8.0% – 15.25%

Home Loans

Footnote Information »
CONFORMING2
(under $417,000) Rate APR1 Point5
30 Year Fixed 5.000% 5.106% 1
30 Year Fixed 5.250% 5.268% 0
20 Year Fixed 4.875% 5.018% 1
20 Year Fixed 5.125% 5.149% 0
15 Year Fixed 4.375% 4.551% 1
15 Year Fixed 4.625% 4.652% 0
ADJUSTABLE RATES – CONFORMING3 Rate APR1 Point5
10/1 ARM (conforming) 4.875% 4.891% 0
7/1 ARM (conforming) 4.500% 4.515% 0
5/1 ARM (conforming) 4.000% 4.013% 0
3/1 ARM (conforming) 3.750% 3.763% 0
PERMANENT/TEMPORARY HIGH BALANCE2
(from $417,001 to $729,250) Rate APR1 Point5
30 Year Fixed 5.250% 5.449% 1
30 Year Fixed 5.500% 5.610% 0
ADJUSTABLE RATES – HIGH BALANCE3 Rate APR1 Point5
10/1 ARM (high balance) 5.125% 5.142% 0
7/1 ARM (high balance) 4.750% 4.766% 0
5/1 ARM (high balance) 4.250% 4.264% 0
3/1 ARM (high balance) 4.000% 4.013% 0
ADDITIONAL REAL ESTATE PRODUCTS2 Rate APR1
50/10 Balloon 5.875% 5.914% 1
40/40 5.750% 5.767% 1
7/20 Fixed 2nd 6.750% 6.769%
5/20 Fixed 2nd 6.375% 6.394%
15 Year Fixed 2nd 7.875% 7.894%
Prime Equity Line of Credit4 3.250% 3.269%

Vehicles – Autos

Footnote Information »
New/Used2 Amount Term APR1
up to 48 months 4.49%
min $10K up to 60 months 4.49%
min $15K up to 72 months 4.79%
min $25K up to 84 months 4.99%
Older/Classic3 max $60K up to 48 months 6.54%
max $60K 49-60 months 6.64%

Vehicles – Motorcycles

Footnote Information »
Term APR1
New2 up to 60 months 4.99%
New2 up to 72 months 5.24%
Used3 up to 60 months 4.99%

Vehicles – Recreational

Footnote Information »
New or Used2 Term APR1
up to 60 Months 5.89%
up to 120 Months 6.64%
up to 180 Months 7.14%3

Personal Loan Rates

Footnote Information »
SIGNATURE2 Term APR1
Max. $25,000 1 Year 9.74%
Max. $25,000 2 Year 9.99%
Max. $25,000 3 Year 10.24%
Max. $25,000 4 Year 10.49%
Max. $25,000 5 Year 10.74%
SECURED
SAVINGS
100% of pledged account(s) up to 60 Months Share rate plus 3.00%
CERTIFICATE
100% of pledged account(s) term of certificate Certificate rate plus 3.00%

Posted on January 31st, 2009