|
current rates
Rates as of 5/1/2008 are subject to
change without notice.
Other terms and conditions
may apply; ask a financial
service representative for
details.
| Dividend
Rates |
| Share |
Rate |
APY |
| Regular
Share Accounts |
0.399% |
0.400% |
| Preferred
Share Accounts |
|
|
|
($0-$2,499) |
0.399% |
0.400% |
|
($2,500-$9,999) |
0.995% |
1.000% |
|
($10,000-$24,999) |
1.390% |
1.400% |
|
($25,000-$99,999) |
2.078% |
2.100% |
|
($100,000+) |
2.664% |
2.700% |
| |
|
|
| Checking
Accounts |
0.050% |
0.050% |
| Preferred
Checking Accounts |
|
|
| ($0-$2,499) |
0.050% |
0.050% |
|
($2,500+) |
0.399% |
0.400% |
| IRA Share
Accounts |
1.094% |
1.100% |
| CD Rates |
| |
6
Month |
12
Month |
24
Month |
36
Month |
| |
Rate |
APY |
Rate |
APY |
Rate |
APY |
Rate |
APY |
| $500 |
2.66% |
2.70% |
2.76% |
2.80% |
2.86% |
2.90% |
3.05% |
3.10% |
| $10,000 |
2.76% |
2.80% |
2.86% |
2.90% |
3.05% |
3.10% |
3.25% |
3.30% |
| $75,000 |
2.86% |
2.90% |
2.96% |
3.00% |
3.15% |
3.20% |
3.34% |
3.40% |
Annual Percentage Yield (APY)
Annual Percentage Yield is the rate of return on an investment when
the compounded interest is added back to the original amount
invested. The APY is a percentage rate reflecting the total amount
of dividends paid on an account, based on the dividend rate and
frequency of compounding for a 365-day period. The APY is a
projection made based on certain assumptions at the time of
disclosure. The APY and the APYE (see below) do not normally match.
| Loan
Rates (APR) |
| Consumer
Interest Rates |
| Loan
Type |
Variable |
Fixed |
| Overdraft/Line
of Credit |
10.50% |
n/a |
| VISA Credit
Card |
n/a |
15.90% |
| VISA Gold
Credit Card |
n/a |
11.90% |
| VISA Platinum
Credit Card |
n/a |
9.90% |
| Share CD
Secured |
2% above
share/cert. rate |
| Risk Based
Pricing Loan Rates |
| Secured** |
12-24
Months |
36-48
Months |
60-72
Months |
84-120
Months |
| A+ Credit
Score |
5.49% |
5.49% |
5.49% |
6.49% |
| A Credit
Score |
5.49% |
5.49% |
5.49% |
6.49% |
| B Credit
Score |
5.49% |
5.49% |
5.49% |
7.50% |
| C Credit
Score |
6.49% |
6.49% |
6.49% |
N/A |
| D Credit
Score |
9.59% |
10.59%/36mo |
N/A |
N/A |
| E Credit
Score |
11.59% |
13.59%/36mo |
N/A |
N/A |
|
Signature**
|
12-24
Months |
36-48
Months |
60-72
Months |
84-120
Months |
| A+ Credit
Score |
10.50% |
11.25% |
11.75% |
N/A |
| A Credit
Score |
10.75% |
11.50% |
12.00% |
N/A |
| B Credit
Score |
12.50% |
13.00% |
13.50% |
N/A |
| C Credit
Score |
15.00% |
15.50% |
N/A |
N/A |
| D Credit
Score |
N/A |
N/A |
N/A |
N/A |
| E Credit
Score |
N/A |
N/A |
N/A |
N/A |
| Real
Estate Interest
Rates |
| Loan
Type |
Variable |
Fixed |
| First Trust
Deed 30 yr |
7.25% |
N/A |
| First Trust
Deed 30 yr JUMBO
($417,000) |
7.75%+ |
N/A |
| First Trust
Deed 30 yr 7 yr
Balloon |
N/A |
6.75% |
| First Trust
Deed 30 yr 7yr
Balloon JUMBO
($417,000) |
N/A |
7.00% |
| First Trust
Deed 30 yr |
N/A |
5.75% |
| First Trust
Deed 30 yr JUMBO
($417,000) |
N/A |
8.75% |
| First Trust
Deed 15 yr |
N/A |
6.75% |
| First Trust
Deed 15 yr JUMBO
($417,000) |
N/A |
7.25% |
| First Trust
Deed 15 yr |
6.75% |
N/A |
| First Trust
Deed 15 yr JUMBO
($417,000) |
7.25% |
N/A |
| First Trust
Deed Land |
8.00%-9.75% |
N/A |
| First Trust
Deed Land JUMBO
($417,000) |
8.50%-10.50% |
N/A |
| Residential
Commercial Real
Estate 7yr Balloon |
N/A |
7.25%-9.00% |
| Residential
Commercial Real
Estate 7 yr Balloon
JUMBO ($417,000) |
N/A |
7.75%-9.50% |
| Second
Trust Deed |
8.25% |
N/A |
| Second
Trust Deed |
N/A |
7.25%-7.75% |
Risk Based
Pricing Home Equity
Loans
(90% Loan to Value) |
7.75%-9.75% |
N/A |
| Prime Plus
Home Equity Loans |
6.50%-7.00% |
N/A |
| Owner
Course of
Construction |
N/A |
6.50% |
| Owner
Course of
Construction
JUMBO($417,000) |
N/A |
6.75% |
| Construction/Permanent
(variable) |
7.25% |
N/A |
| Construction/Permanent
JUMBO Variable
($417,000) |
7.75% |
N/A |
| Construction/Permanent
(fixed) |
N/A |
6.75% |
| Construction/Permanent
JUMBO Fixed
($417,000) |
N/A |
7.00% |
| SPEC Course
of Construction |
N/A |
7.50% |
| SPEC Course
of Construction
JUMBO ($417,000) |
N/A |
7.75% |
**Rate
reflects a 0.25% discount
for automatic payment.
Annual Percentage Rate (APR)
Annual Percentage Rate is a measure of the cost of credit, expressed
as a yearly rate. This rate reflects the annual cost of the loan
over the repayment period. For mortgage loans, the Annual
Percentage Rate includes specific costs of financing, both those
paid at the time of closing and those paid over the term of the
loan. The Annual Percentage Rate allows you to compare different
loans offered by competing lenders using a consistent measure.
|
Savings
Products
