Current Rates

Current Deposit Rates
Savings Certificates
IRA Certificates		 Current Loan Rates
Mortgage Rates
VISA Rates

Current Deposit Rates
Effective: May 6, 2008

ACCOUNT TYPE
MINIMUM BALANCE TO OPEN ACCOUNT
MINIMUM BALANCE TO OBTAIN APY*
DIVIDEND RATE*
ANNUAL
PERCENTAGE
YIELD
SHARE ACCOUNT
$5.00
$150.00
1.25%
1.26%
SHARE DRAFT
$0.00
$0.01
0.50%
0.50%
JUVENILE ACCT.
$5.00
$5.00
1.25%
1.26%
JUVENILE ACCT.
$5.00
$5.00
1.25%
1.26%
ESCROW
$5.00
$5.00
.50%
.50%
CHRISTMAS CLUB
$5.00
$5.00
2.60%
2.63%
VACATION CLUB
$5.00
$5.00
2.60%
2.63%
Savings Certificates
Effective: May 6, 2008
ACCOUNT TYPE
MINIMUM BALANCE TO OPEN ACCOUNT
MINIMUM BALANCE TO OBTAIN APY*
DIVIDEND RATE*
ANNUAL
PERCENTAGE
YIELD
60-365 DAY
$500.00
$500.00
2.40%
2.43%
18 MONTH
$500.00
$500.00
2.75%
2.78%
24 MONTH
$500.00
$500.00
2.90%
2.94%
36 MONTH
$500.00
$500.00
3.00%
3.04%
48 MONTH
$500.00
$500.00
3.20%
3.25%
60 MONTH
$500.00
$500.00
3.30%
3.35%
IRA Certificates
Effective: May 6, 2008
ACCOUNT TYPE
MINIMUM BALANCE TO OPEN ACCOUNT
MINIMUM BALANCE TO OBTAIN APY*
DIVIDEND RATE*
ANNUAL
PERCENTAGE
YIELD
395 DAY
$500.00
$500.00
2.40%
2.43%
60 MONTH
$500.00
$500.00
3.30%
3.35%
IRA Share
$500.00
$500.00
2.00%
2.02%

*The dividend rate and APY may change at any time as determined by the Credit Union board of directors.

Annual percentage yield assumes dividends remains on deposit. Withdrawals of dividend will reduce earnings.

Dividends will be compounded monthly and will be credited monthly.

Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in your account for the period. Dividends will begin to accrue on the business day you deposit items to your account.

Current Loan Rates
Effective: May 5, 2008

LOAN TYPE
APR *
TERM
2007-2008 AUTOS
As low as 4.75%
**
2005-2006 AUTOS
As low as 5.75%
**
2002-2004 AUTOS
As low as 6.75%
**
 
PURCHASE MORTGAGE
As low as 5.00%
**
HOME EQUITY
As low as 5.00%
**
 
NEW MOTORCYCLE/ATV
As low as 4.75%
**
USED MOTORCYCLE/ATV
As low as 5.75%
**
 
NEW BOAT
As low as 4.75%
**
USED BOAT
As low as 5.75%
**
 
NEW LAWN & GARDEN
As low as 4.75%
**
USED LAWN & GARDEN
As low as 5.75%
**
 
NEW RECREATIONAL VEH.
As low as 4.75%
**
USED RECREATIONAL VEH.
As low as 5.75%
**
 
NEW MOBILE HOME
As low as 4.75%
**
USED MOBILE HOME
As low as 5.75%
**
 
PERSONAL
As low as 8.50%
**
SHARE SECURED
4.00%
**
 
VISA CLASSIC
11.90%
**
VISA PLATINUM
As low as 8.99%
**
 
CERTIFICATE SECURED
CERTIFICATE RATE + 2%
CD MUST MATCH LOAN TERM.

* APR is the Annual Percentage Rate.

** CALL OUR OFFICE FOR TERMS

†RATES ARE DETERMINED BY YOUR FAIR ISAAC CREDIT SCORE AND MAY NOT BE AS LOW AS THE RATES GIVEN. ABOVE RATES MAY ALSO INCLUDE A DISCOUNT FOR PAYROLL DEDUCTION OR AUTOMATIC TRANSFER.

LOAN RATES MAY CHANGE AT ANY TIME AS DETERMINED BY THE CREDIT UNION BOARD OF DIRECTORS.
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