Rates


				Rates

Loans | Savings | Certificates

Rates effective as of 1-1-12. Subject to change without notice.

**** PALS members receive a deduction of .50% on signature and vehicle rates****

(does not apply to mortgage or VISA rates)

Loans	Rate	*APR as low as**	Term
New Vehicle (11 & Newer)	2.750	2.000	24	Calculator
New Vehicle (11 & Newer)	3.000	2.250	36	Calculator
New Vehicle (11 & Newer)	3.250	2.500	48	Calculator
New Vehicle (11 & Newer)	3.500	2.750	60	Calculator
New Vehicle (11 & Newer) (Luxury only over $30,000)	3.500	2.750	72	Calculator
Used Vehicle (10 & Older)	3.500	2.750	24	Calculator
Used Vehicle (10 & Older)	3.750	3.000	36	Calculator
Used Vehicle (10 & Older)	4.000	3.250	48	Calculator
Used Vehicle (10 & Older)	4.250	3.500	60	Calculator
Used Vehicle (10 & Older) (Luxury only over $30,000)	4.250	3.500	72	Calculator
Mobile Homes	12.000	12.000	84	Calculator
Share Secured - 2% Over Dividend Rate of Collateral		0.000	n/a
Signature - Up to $2000	9.400	8.900	n/a	Calculator
Visa Platinum Credit Card	9.900	9.900	n/a	Calculator
Visa Classic Credit Card	12.900	12.900	n/a	Calculator
First Mortgage - Prime Rate +1%		0.000	360
Second Mortgage - Prime Rate +2%		0.000	360

*APR = Annual Percentage Rate, Rates subject to credit evaluation. Actual rates may vary.
Vehicle Loan rates quoted are for vehicle loans with 100% financing and automatic payment.
Maximum term for Vehicle Loans less than $10,000 is 48 months.
Cash payments: Add .25%
10% Down: Deduct .25%
PALS Account: Deduct .50%

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Rates effective as of 1-1-12.
Subject to change without notice.

Savings	Minimum To Earn	Dividend Rate	APY*	Term
Regular Shares	$100	.100	.100	n/a
Christmas Clubs	$100	.100	.100	n/a
IRAs	$5	1.250	1.260	n/a
HSAs	$5	.100	.100	n/a

*APY = Annual Percentage Yield
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Rates effective as of 1-1-12.
Subject to change without notice.

Certificates	Minimum Deposit	Youth Minimum Deposit	Dividend Rate	APY*	Term
Term Share Certificates	$500	$250	.100	.100	3
Term Share Certificates	$500	$250	.150	.150	6
Term Share Certificates	$500	$250	.300	.300	12
Term Share Certificates	$500	$250	.400	.400	30
Term Share Certificates	$500	$250	1.000	1.000	60

*APY = Annual Percentage Yield
PALS Account: Add .10%
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