 |
Current Rates
All Rates Effective: 8/1/2010
| CURRENT
LOAN RATES
ALL RATES STATED AS THE ANNUAL PERCENTAGE RATE |
|
Down
Payment |
Months |
2010
|
2009
|
2008
|
2007
|
2006
|
2005
|
2004
|
2003
|
2002
|
2001
|
|
50%
|
Any
|
4.49%
|
4.49%
|
4.49%
|
5.00%
|
5.25%
|
5.50%
|
5.50%
|
5.50%
|
6.00%
|
7.00%
|
|
|
|
20%
|
36
|
4.49%
|
4.49%
|
4.49%
|
5.00%
|
5.25%
|
5.50%
|
6.00%
|
6.50%
|
6.50%
|
7.00%
|
|
48
|
4.75%
|
4.75%
|
4.75%
|
5.00%
|
5.50%
|
5.75%
|
6.00%
|
N/A
|
NA
|
NA
|
|
60
|
4.99%
|
4.99%
|
4.99%
|
5.25%
|
5.75%
|
N/A
|
NA
|
NA
|
NA
|
NA
|
|
72
|
5.25%
|
5.25%
|
5.25%
|
NA
|
NA
|
NA
|
NA
|
NA
|
NA
|
NA
|
| |
|
10%
|
36
|
4.99%
|
4.99%
|
4.99%
|
5.00%
|
5.50%
|
6.00%
|
6.00%
|
6.50%
|
6.50%
|
7.25%
|
|
48
|
4.99%
|
4.99%
|
4.99%
|
5.25%
|
5.75%
|
6.25%
|
6.25%
|
N/A
|
NA
|
NA
|
|
60
|
4.99%
|
4.99%
|
4.99%
|
5.50%
|
6.00%
|
N/A
|
NA
|
NA
|
NA
|
NA
|
|
72
|
5.50%
|
5.50%
|
5.50%
|
NA
|
NA
|
NA
|
NA
|
NA
|
NA
|
NA
|
| |
| 0% |
36
|
4.99%
|
4.99%
|
4.99%
|
5.00%
|
5.50%
|
6.00%
|
6.00%
|
6.50%
|
6.50%
|
7.50%
|
|
48
|
4.99%
|
4.99%
|
4.99%
|
5.25%
|
5.75%
|
6.25%
|
6.50%
|
N/A
|
NA
|
NA
|
|
60
|
4.99%
|
4.99%
|
4.99%
|
5.50%
|
6.00%
|
N/A
|
NA
|
NA
|
NA
|
NA
|
|
72
|
5.50%
|
5.50%
|
5.50%
|
NA
|
NA
|
NA
|
NA
|
NA
|
NA
|
NA
|
|
| MasterCard |
12.9% |
| Kwik Cash |
13.0% |
| Unsecured Loan (Under 1,000) |
15.0% |
| Unsecured Loan (Over 1,000) |
14.0% |
| Recreational Vehicles |
AUTO LOAN RATE PLUS 1.00% |
| |
| 2nd
Mortgage |
5.75% 4 YRS |
| 6.00% 5YRS |
| 6.25% 6 YRS |
| 6.50% 7YRS |
| OVER 8YRS 7.0% WITH 3YRS DEMAND |
| 1st Mortgage |
Call MIKE OR TOM |
| Home Equity Line Of Credit |
Call MIKE OR TOM |
| |
| New MobileHome (2010 to 2006) |
20% down up to 144 months 8.0% |
| 5 Year Demand |
Less than 20% down 9.0% |
| Used MobileHome (2005 & Older) |
20% down up to 144 months 9.0% |
| 5 Year Demand |
Less than 20% down 10.0% |
| |
| CO-MAKER LOAN IS BASED ON SECURITY
|
-- |
Loans with multiple security
will use blended rate sheet.
Loans with unsecured funds over $500.00 will use blended rate
sheet.
RATES SUBJECT TO CREDIT SCORE
|
| Top |
| CD
RATES
Penalty for early withdrawal! |
| Term |
Minimum |
Rate |
APY* |
6 Months
|
$500 |
1.00% |
1.00% |
12 Months
|
$500 |
1.00% |
1.00% |
6 Months
|
$5000 |
1.00% |
1.00% |
12 Months
|
$5000 |
1.15% |
1.15% |
24 Months
|
$5000 |
1.35% |
1.36% |
6 Months
|
$10,000 |
1.10% |
1.10% |
12 Months
|
$10,000 |
1.35% |
1.36% |
24 Months
|
$10,000 |
1.60% |
1.61% |
| Top |
Dividends are paid semi-annually.
Jumbo Certificates (over $75,000) are eligible for an extra 1/8%
| IRA CD
RATES |
| Term |
Minimum |
Rate |
APY* |
Same as Regular Certificate |
| Top |
| REGULAR
SAVINGS IRA'S |
| Term |
Minimum |
Rate |
APY* |
OPEN |
Under $2000 |
0.50% |
0.50% |
OPEN |
Over $2000 |
0.75% |
0.75% |
| Top |
Dividends are paid quarterly
| SAVINGS
ACCOUNTS RATES |
| Plan |
Yield |
APY* |
Regular Savings |
0.50%
|
0.50%
|
Bright Beginnings
(for children up to age 19) |
0.75%
|
0.75%
|
College Club |
0.75%
|
0.75%
|
Vacation Club |
0.25%
|
0.25%
|
Christmas Club |
0.25%
|
0.25%
|
Escrow |
0.50%
|
0.50%
|
| Top |
Dividends are
paid quarterly
| HIGH-YIELD
CHECKING RATES |
| Plan |
Yield |
APY* |
$501 TO $9,999.99
|
0.25% |
0.25% |
$10,000.00 TO $29,999.99 |
0.50% |
0.50% |
$30,000.00 & UP
|
1.00% |
1.00% |
| Top |
Dividends are Paid Monthly
| PRIME
PLUS & MEMBERSHIP PLUS CHECKING |
| Plan |
Yield |
APY* |
$501 to $2,500 |
0.25% |
0.25% |
$2,500 to $10,000 |
0.25% |
0.25% |
$10,000 and up |
0.50% |
0.50% |
| Top |
Dividends are Paid Monthly
*APY = ANNUAL PERCENTAGE YIELD!
Rates and Terms for Certificates are available by calling (715)
387-8405
|
|
