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Unsecured Loans
Vehicle and Recreation Loans
Real Estate Loans
Tiered Overnight Savings
Tiered Money Master Savings ($1,000 minimum)
Share Certificates
($1,000 minimum)
Share Certificates
($10,000 - $24,999)
Share Certificates
($25,000 - $49,999)
Share Certificates
($50,000 - $74,999)
Share Certificates
($75,000 - $99,999)
Share Certificates
($100,000 - $199,999)
Share Certificates
($200,000 and up)
Rate Information
   
   
 
Unsecured Loans
Loan Type Term APR **
Tuition Loans Up to 12 Months 9.75%
Signature Loans Up to 36 Months 11.50%
Signature Loans 48 Months 12.50%
Signature Loans 60 Months 13.50%
Line of Credit (as low as) 10.50%
Overdraft - Line of Credit N/A 12.00%
Stretch Loan N/A 12.00%
Credit Enhancement Loan N/A 15.00%
Asset Builder Loan N/A 15.00%
Payday Lender Rebuilder N/A 15.00%
Yours-to-Own Loan N/A 15.00%
PRIME Visa Platinum* N/A 5.25%
Visa Platinum N/A 10.00%
Visa Gold N/A 11.90%
Student Visa Classic N/A 10.50%
Visa Classic N/A 13.50%
Visa Passkey N/A 18.00%
Secured Visa Classic N/A 18.00%
* NO MEMBER DISCOUNTS APPLY
** Rate maybe as high as 18% APR based on information obtained from your credit application and credit report . Rate subject to change without prior notice and may be different than those stated above
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Vehicle Loans
Term
New
Used
Used
Used
Used
Used
(in months)
Models '08-'07
Models '07-'06
Models '05
Model '04
Model '03
Model '02
36
5.13%
5.63%
6.13%
6.63%
7.13%
7.88%
42
5.38%
5.88%
6.38%
6.88%
7.38%
8.13%
48
5.63%
6.13%
6.63%
7.13%
7.63%
N/A
54
5.88%
6.38%
6.88%
7.38%
N/A
N/A
60
6.13%
6.63%
7.13%
N/A
N/A
N/A
66
6.63%
7.13%
N/A
N/A
N/A
N/A
72
7.13%
N/A
N/A
N/A
N/A
N/A
** Rate maybe as high as 18% APR based on information obtained from your credit application and credit report . Rate subject to change without prior notice and may be different than those stated above
 
Boats, Campers and RV's Loans
Term
New
Used
Used
Used
Used
Used
(in months)
Models '08-'07
Models '07-'06
Models '05
Model '04
Model '03
Model '02
36
6.13%
6.63%
7.13%
7.63%
8.13%
8.88%
42
6.38%
6.88%
7.38%
7.88%
8.38%
9.13%
48
6.63%
7.13%
7.63%
8.13%
8.63%
N/A
54
6.88%
7.38%
7.88%
8.38%
N/A
N/A
60
7.13%
7.63%
8.13%
N/A
N/A
N/A
66
7.63%
8.13%
N/A
N/A
N/A
N/A
72
8.13%
N/A
N/A
N/A
N/A
N/A
73 - 120
8.63%
N/A
N/A
N/A
N/A
N/A
** Rate maybe as high as 18% APR based on information obtained from your credit application and credit report . Rate subject to change without prior notice and may be different than those stated above
 
Motorcycle Loans
Loan Type Term APR **
New Motorcycles - 2005-2006 model years
(up to 100% of value)
24 Months 7.38%
36 Months 7.63%
48 Months 7.88%
60 Months 8.13%
72 Months 8.38%
Used Motorcycles - 2003-2005 model years
(up to 100% of value)
24 Months 8.88%
36 Months 9.13%
48 Months 9.38%
60 Months 9.63%
Used Motorcycles - 2001-2002 model years
(up to 100% of value)
24 Months 10.88%
36 Months 11.13%
Used Motorcycles - 1999-2000 model years
(up to 100% of value)
24 Months 11.88%
36 Months 12.13%
** Rate maybe as high as 18% APR based on information obtained from your credit application and credit report . Rate subject to change without prior notice and may be different than those stated above
 
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Real Estate Loans
Loan Type Term APR**
Home Equity
( up to 100% Loan to Value based on current assessment
or appraisal.)
> 80% *LTV
5.25%
* LTV = Loan To Value
** Rate maybe as high as 18% APR based on information obtained from your credit application and credit report . Rate subject to change without prior notice and may be different than those stated above
 
Tiered Overnight Savings
Account Title Tier Levels Dividend Rate APY ***
Regular Shares / IRA Passbook / Roth Passbook / Christmas Club / Vacation Club / Tuition Club / Credit Enhancement ** $0 - $200 0.00% 0.00%
$201 - $1,000 0.55% 0.55%
$1,001 - $5,000 0.60% 0.60%
$5,001 - $10,000 0.65% 0.65%
$10,001 - $50,000 0.70% 0.70%
$50,001 and up 0.75% 0.75%
Asset Builder ***   5.00% 5.12%
* APY: Annual Percentage Yield
** Credit Enhancement Regular Share Account is only available with a Credit Enhancement Loan.
*** Asset Builder Regular Share Account is only available with an Asset Builder Loan.
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Tiered Money Master Savings ($1,000 Minimum) & Health Saving Accounts
Tier Levels Dividend Rate APY *
$1,000 - 4,999.99 1.32% 1.33%
$5,000 - $9,999.99 1.37% 1.38%
$10,000 - $24,999.99 1.42% 1.43%
$25,000 - $49,999.99 1.47% 1.49%
$50,000 - $74,999.99 1.52% 1.53%
$75,000 - $99,999.99 1.77% 1.78%
$ 100,000 and up 1.82% 1.84%
* APY: Annual Percentage Yield
 
Share Certificates ($1,000 Minimum)
Certificate Term Rate * APY **
3 Months 2.30% 2.33%
6 Months 2.70% 2.74%
12 months 3.05% 3.10%
24 Months 3.30% 3.36%
36 Months 3.50% 3.56%
48 Months 3.65% 3.72%
60 Months 3.85% 3.93%
* Rates are based on Accumulated Certificates of Deposit balances.
** APY: Annual Percentage Yield
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Share Certificates ($10,000 - $24,999)
Certificate Term Rate * APY **
3 Months 2.35% 2.38%
6 Months 2.75% 2.79%
12 months 3.10% 3.15%
24 Months 3.35% 3.41%
36 Months 3.55% 3.61%
48 Months 3.70% 3.77%
60 Months 3.90% 3.98%
* Rates are based on Accumulated Certificates of Deposit balances.
** APY: Annual Percentage Yield
 
Share Certificates ($25,000 - $49,999)
Certificate Term Rate * APY **
3 Months 2.40% 2.43%
6 Months 2.80% 2.84%
12 months 3.15% 3.20%
24 Months 3.40% 3.46%
36 Months 3.60% 3.67%
48 Months 3.75% 3.82%
60 Months 3.95% 4.03%
* Rates are based on Accumulated Certificates of Deposit balances.
** APY: Annual Percentage Yield
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Share Certificates ($50,000 - $74,999)
Certificate Term Rate * APY **
3 Months 2.50% 2.53%
6 Months 2.90% 2.94%
12 months 3.25% 3.30%
24 Months 3.50% 3.56%
36 Months 3.70% 3.77%
48 Months 3.85% 3.93%
60 Months 4.05% 4.13%
* Rates are based on Accumulated Certificates of Deposit balances.
** APY: Annual Percentage Yield
 
Share Certificates ($75,000 - $99,999)
Certificate Term Rate * APY **
3 Months 2.65% 2.69%
6 Months 3.05% 3.10%
12 months 3.40% 3.46%
24 Months 3.65% 3.72%
36 Months 3.85% 3.93%
48 Months 4.00% 4.08%
60 Months 4.20% 4.29%
* Rates are based on Accumulated Certificates of Deposit balances.
** APY: Annual Percentage Yield
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Share Certificates ($100,000 - $199,999)
Certificate Term Rate * APY **
3 Months 2.80% 2.84%
6 Months 3.20% 3.25%
12 Months 3.55% 3.61%
24 Months 3.80% 3.87%
36 Months 4.00% 4.08%
48 Months 4.15% 4.24%
60 Months 4.35% 4.45%
* Rates are based on Accumulated Certificates of Deposit balances.
** APY: Annual Percentage Yield
 
Share Certificates ($200,000 and up)
Certificate Term Rate * APY **
3 Months 3.00% 3.05%
6 Months 3.40% 3.46%
12 Months 3.75% 3.82%
24 Months 4.00% 4.08%
36 Months 4.20% 4.29%
48 Months 4.35% 4.45%
60 Months 4.55% 4.66%
* Rates are based on Accumulated Certificates of Deposit balances.
** APY: Annual Percentage Yield
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Rate Information
Rates are subject to change without prior notice and may be different than those stated above.
 
 
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