Rates

Savings Rates

Regular Shares

Savings Rates	Dividend	APY	Minimum Required Balance	Minimum Opening Deposit
Regular Shares	.05%	0.050012%	$1,000 and above	$25.00
	0.00	0.00%	$25.00	$25.00
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Club - Taxes

Savings Rates	Dividend	APY	Minimum Required Balance	Minimum Opening Deposit
Club - Taxes	.05%	.050012%	N/A	N/A
APY = Annual Percentage Yield  Return to top

Share Secured

Savings Rates	Dividend	APY	Minimum Opening Deposit
Share Secured	.05%	.050012%	N/A
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Christmas Club

Savings Rates	Dividend	APY	Minimum Required Balance	Minimum Opening Deposit
Christmas Club	.05%	.050012%	N/A	N/A
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Regular Sharedraft

Savings Rates	Dividend	APY	Minimum Required Balance	Minimum Opening Deposit
Regular Sharedraft	0.00%	0.00%	N/A	N/A
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DBA Sharedraft

Savings Rates	Dividend	APY	Minimum Required Balance	Minimum Opening Deposit
DBA Sharedraft	0.00%	0.00%	N/A	N/A
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High Yield Sharedraft

Savings Rates	Dividend	APY	Minimum Required Balance	Minimum Opening Deposit
High Yield Sharedraft	.50%	0.501147%	$75,000 + up	N/A
	.45%	0.450929%	$50,000 - $74,999	N/A
	.40%	0.400734%	$10,000 - $49,999	N/A
	.15%	0.150103%	$2,500 - $9,999	N/A
	.10%	0.100459%	0 -$2,499	N/A
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Money Market Accounts

Savings Rates	Dividend	APY	Minimum Required Balance	Minimum Opening Deposit
Money Market Account	.50%	.501147%	$75,000 and up	N/A
	.45%	.450929%	$50,000 - $74,999	N/A
	.40%	.400734%	$10,000 - $49,999	N/A
	.15%	.150103%	$2,500 - $9,999	N/A
	.10%	.100459%	0 - $2,499	N/A
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Certificate of Deposits

Savings Rates	Term	Dividend	Rate	Limits	Minimum Opening Deposit
Certificate of Deposit	18 mos.	0.501147%	.50%	Penalty for early withdrawal	$500
	12 mos.	0.450929%	.45%	Penalty for early withdrawal	$500
	6 mos.	0.400734%	0.40%	Penalty for early withdrawal	$500
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Loan Rates

Home Equity (variable rate)

Loan Type	Score	Term	Rate	Limits
Home Equity Loans	A	180 Months (10 year draw period)	3.25%	up to 80% of equity of home
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Home Equity (fixed rate)

Loan Type	Score	Term	Rate	Limits
Fixed Rate Home Equity	A	180 Months (10 year draw period)	6.99%	up to 80% of Equity in Home
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Secured & Unsecured Personal Loans

Secured Loans

Loan Type	Score	Term	Rate	Limits
Share Secured - Type 16	A - E	Up to 120 months	3.50%	$50,000
* Shares need to be deposited to type 15 savings accounts.  Return to top

Unsecured/Signature Loans

Loan Type	Score	Term	Rate	Limits
Signature Loan, Co-maker Loan, & Un-secured Loan	A	36 months	8.74	up to $7,000
	A	48 months	8.74	up to $7,000
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Debt Consolidation & Real Estate Taxes

Loan Type	Score	Term	Rate	Limits	Note
Debt Consolidation & Real Estate Taxes	A	Up to 36 months	10.00%	up to $5,000	Debts up to 36 months
* Checks payable to the city or debtor only  Return to top

Vehicle Loans

New Vehicle

Loan Type	Score	Term	Rate	Limits
New Vehicle	A	Up to 36 months	1.90%	$60,000
	A	48 mos	2.40%	$60,000
	A	60 mos	2.90%	$60,000
	A	72 mos	3.40%	$60,000
	A	84 mos	3.90%	$60,000
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95% Financing-Prior Year /New

Loan Type	Score	Term	Rate	Limits
Prior year vehicle	A	Up to 60 months	4.50%	50,000
	A	72 months	5.50%	50,000
6,000 or less miles and never titled  Return to top

Used - 2008- 2011

Loan Type	Score	Term	Rate	Limits
Used vehicle	A	Up to 60 months	5.50%	$40,000
	A	72 months	6.50%	$40,000
*NADA Retail Value or 95% of purchase price, whichever is lower.  Return to top

Used - 2002 - 2007

Loan Type	Score	Term	Rate	Limits
Used vehicle	A	60 months	7.50%	$40,000
	A	up to 48 months	6.50%	$40,000
NADA Retail Value or 95% of purchase price, whichever is lower *  Return to top

Used - 1997 - 2001

Loan Type	Score	Term	Rate	Limits
Used Vehicle	A	up to 60 months	8.50%	$40,000
	A	Up to 48 months	7.50%	$40,000
Nada Trade Value or 90% of Purchase Price, whichever is lower.  Return to top

R.V.'s, Campers, Motorhomes, Boats & Other

95% Financing

Loan Type	Score	Term	Rate	Limits
New vehicle	A	48 - 108 months	as low as 5.00%	$60,000
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Used

Loan Type	Score	Term	Rate	Limits
Used vehicle	A	48 - 108 months	as low as 6.50%	$60,000
NADA Retail Value or 95% of purchase price, whichever is lower *  Return to top