Rate Board












 

Dividend Rates
Effective June 1, 2009

 Account Name  Min. Balance to Earn Dividends  APY* 
 Regular Savings $100.00    0.75% 
 Christmas Club $2.00    0.65% 
 Cookie Jar Club $2.00    0.65% 
 Kids Klub $100.00    0.75% 
 Elite Checking $1,000.00    .35% 
 IRA Savings $25.00    1.00% 
       

   Average Daily Balance Tiered APY*
   $1,000  $2,500  $5,000  $10,000  $25,000  $50,000  $75,000  $100,000
 Money Market 1.06%  1.06%  1.06%  1.36%  1.46%  1.56%  1.66%  1.76% 

*APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are based on the Credit Union's earnings at the end of the dividend period and therefore cannot be guaranteed. Contact a Credit Union employee about applicable fees and terms.

Loan Rates
Effective May 4, 2009

 Products  Term  Range  
 New/Used Vehicle-09, 08, 07, 06, 05 up to 84 months*  5.40% - 15.00%   
 Used Vehicle-04 and older up to 60 months  6.65% - 15.55%   
 New Boat up to 84 months  7.00% - 11.00%   
 Used Boat up to 60 months  7.25% - 11.25%   
 New Motorcycle up to 60 months  8.00% - 11.00%   
 Used Motorcycle up to 36 months  8.25% - 12.00%   
 Check Guard Plus Revolving  10.9% - 18.00%   
 Personal Loan Up to 60 months  10.9% - 18.00%   
 Express Equity Line Revolving  5.25% APR** 
 Fixed Rate 2nd Mortgage Up to 12 years  6.00%   

Rates are determined by the member's credit history. Minimum loan amount of $25,000 required for 84 month term. 84-month term available for 2009 and 2008 model year vehicles only. 100% financing is available on vehicle loans. **The Express Equity Line is a variable rate product subject to change monthly. The rate is equal to the Prime Rate, which is 3.25% as of December 16, 2008, plus a margin of 2.0%. The maximum APR that can apply is 18%. However, under no circumstances will the APR go below the margin rate of 2% at any time during the term of the loan.

Certificate Rates
Effective June 30, 2009

     Tiered Balance Yield*
 Terms  Minimum Deposit  Up to $10,000  $10,000  $25,000  $50,000  $75,000  $100,000
 3 mos. $1,000  1.05%  1.15%  1.26%  1.36%  1.46%  1.56% 
 6 mos. $1,000  1.46%  1.56%  1.66%  1.76%  1.86%  1.96% 
 12 mos. $1,000  1.76%  1.86%  1.96%  2.07%  2.17%  2.27% 
 24 mos. $1,000  1.96%  2.07%  2.17%  2.27%  2.37%  2.47% 
 36 mos. $1,000  2.22%  2.32%  2.42%  2.52%  2.63%  2.73% 
 60 mos. $1,000  2.42%  2.52%  2.63%  2.73%  2.83%  2.93% 
 12 Month Add-On $100  1.56% all balances 
 12 mo. IRA Cert $500  1.76%  1.86%  1.96%  2.07%  2.17%  2.27% 
 18 mo. IRA Cert. $500  1.86%  1.96%  2.07%  2.17%  2.27%  2.37% 
 30 mo. IRA Cert. $500  2.07%  2.17%  2.27%  2.37%  2.47%  2.57% 
 12 mo. IRA Add-On Cert. $100      1.56% all balances       

APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise requested, dividends will be credited to your certificate either quarterly or at maturity based on the certificate term. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call (803) 736-3110 or 1-800-272-0695.

Rates subject to change.

Updated by AB on 06/30/2009 07:57:55

 
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