Rates

TermDividend RateAnnual Percentage Yield
Up to $1,499,999.990.40%0.40%
From $1,500,000.000.10%0.10%

**Free Life Savings Insurance, up to $2,000 on your
Passbook Share (Savings) Account!

  

Share Certificates (Early Withdrawal Penalty May Apply)

TermDividend RateAnnual Percentage Yield
3 month SC ($1,000 minimum)0.40%0.40%
6 month SC ($1,000 minimum)0.65%0.65%
12 month SC ($1,000 minimum)0.95%0.95%
18 month SC ($1,000 minimum)1.20%1.21%
24 month SC ($1,000 minimum)1.50%1.51%
36 month SC ($1,000 minimum)1.45%1.46%
48 month SC ($1,000 minimum)1.55%1.56%
60 month SC ($1,000 minimum)1.85%1.86%
TermDividend RateAnnual Percentage Yield
From $50.00 to $49,999.990.40%0.40%
From $50,000.00 and up0.60%0.60%
TermDividend RateAnnual Percentage Yield
Passbook1.85%1.86%
5 year IRA Share Certificate2.00%2.02%
TermRateComments
Up to 5 yearsFrom 3.00% **5% down payment
7 years (Minimum loan balance of $40,000.00)From 3.50% **5% down payment

Used Car Loans (Maximum age of car - Last 5 Model Years)

TermRateComments
Up to 5 yearsFrom 4.00% **15% down payment
TermRateComments
Up to 4 years (Maximun loan amount - $45,000.00) - New7.50%25% down payment
Up to 4 years (Maximun loan amount - $45,000.00) - Used9.50%25% down payment

* Current information may be different than shown. Rates may change without  prior notice.

** Final rate dependent on loan amount, loan terms and borrower's credit history and ability to repay.

First Mortage - Residential

(For Jumbo Mortgages $500,000 and over, add 0.25% to the posted rate)

TermRateComments
1 year ARM (30 year payout)2.75%No Points
3/1 year ARM (30 year payout)2.95%No Points
5/1 year ARM (30 year payout)3.25%No Points
7/1 year ARM (30 year payout)3.50%No Points
10/1 year ARM (30 year payout)4.25%No Points
15/1 year ARM (30 year payout)4.40%No Points
10 year fixed3.85%No Points
15 year fixed3.95%No Points
20 year fixed4.25%No Points
TermRate
Co-Maker - Up to 4 years10.90%
Signature - Up to 4 years10.90%
TermRate
Up to 5 years (Shares)2.25% over Savings Yield
Up to 5 years (Money Market)2.25% over Money Market Yield
Up to term of Share Certificate2.25% over Share Certificate Yield
TermRateComments
5/1 years ARM (15 year payout)5.50%No Points
TermRateComments
10 year balloon (10 year draw)Prime Rate + 0.50Ask for Rate

Construction and Land Loans

TermRateComments
Primary Residence Construction Loan7.25%No Points
Vacant Land Purchase7.50%No Points

Member Business Loans

(for 1-4 unit properties, deduct 0.25% from posted rate)

TermRateComments
5/1 ARM/15 Yr Ballon/30 Yr Amortized4.75%No Points
7 year balloon (30 year amortization)5.50%No Points
10 year balloon (30 year amortization)5.75%No Points
12 year balloon (30 year amortization)6.00%No Points
15 year balloon (30 year amortization)6.25%No Points