|
|
Current as of January 1, 2010.
| Auto Type |
Maximum Term |
ATV
|
up to 4 years |
Boat
|
up to 8 years |
Tractor
|
up to 5 years |
Automobile
|
up to 7 years |
Over 1-Ton Vehicle
|
up to 7 years |
Motorcycle
|
up to 7 years |
Motor Home
|
up to 10 years |
Travel Trailer
|
up to 10 years |
Movable Mobile/Manufactured Home†
|
up to 10 years |
†Single
or Double - The annual percentage rate will be
based on a loan with 85% Loan-to-Value using an appraised
value.
|
|
| Loan Term |
Annual Percentage Rate² |
3 years
|
As Low As 4.75% |
4 years
|
As Low As 5.00% |
5 years
|
As Low As 5.50% |
6 years
|
As Low As 6.00% |
7 years
|
As Low As 7.00% |
8 years
|
As Low As 7.75% |
9 years
|
As Low As 8.00% |
10 years
|
As Low As 8.25% |
²Additional
0.25% discount on annual percentage rate is available
with payment through Direct Deposit.
|
|
| Auto Type |
Maximum Term |
ATV
|
up to 4 years |
Boat
|
up to 8 years |
Tractor
|
up to 5 years |
Automobile*
|
up to 5 years |
Over 1-Ton Vehicle
|
up to 5 years |
Motorcycle*
|
up to 5 years |
Motor Home
|
up to 7 years |
Travel Trailer
|
up to 7 years |
Movable Mobile/Manufactured Home†
|
up to 10 years |
†Single
or Double - The annual percentage rate will be
based on a loan with 85% Loan-to-Value using an appraised
value.
*Models 4 years and older, maximum term is 4 years.
|
|
| Loan Term |
Annual Percentage Rate² |
3 years
|
As Low As 4.75% |
4 years
|
As Low As 5.00% |
5 years
|
As Low As 5.50% |
6 years
|
As Low As 6.00% |
7 years
|
As Low As 7.00% |
8 years
|
As Low As 7.75% |
9 years
|
As Low As 8.00% |
10 years
|
As Low As 8.25% |
²Additional
0.25% discount on annual percentage rate is available
with payment through Direct Deposit.
|
|
| Loan Type |
APR |
Secured L.O.C.
|
As Low As 8.00% |
Unsecured L.O.C.
|
As Low As 8.50% |
Insurance
|
As Low As 8.00% |
Tuition
|
As Low As 5.50% |
Vacation
|
As Low As 8.00% |
Overdraft Protection
|
As Low As 12.50% |
Problem Solver
|
As Low As 16.25% |
³L.O.C.
here refers to the "Line of Credit"
|
|
Up to a 12 year ammortization
with a 3 year balloon
|
2% above earnings on pledged
share account |
|
Term cannot exceed
certificate maturity
|
2% above earnings on certificate |
|
| Visa Type |
Annual Percentage Rate |
VIP
|
8.90% |
Classic
|
12.90% |
Secured (deposit required)
|
12.90% |
Maximim
Credit Limit: $20,000.
|
|
Call mortage loan
officer for current rates and availability
Local: 225.342.6618 ext. 221 or
Toll Free: 1.877.362.7005 ext 221
|
|
Deposit rates are
anticipated for the 3rd Quarter 2009, and are subject to
revision by the board of Directors. Dividends are calculated
by the average daily balance method which applies a periodic
rate to the average daily balance in the account for the
period.
|
|
| Type |
Avg. Daily Balance |
Dividend Rate |
APY |
Regular Shares
|
$20 to $2,499.99 |
0.748% |
0.750% |
|
|
$2,500 and over |
0.748% |
0.750% |
Share Drafts
|
|
0.250% |
0.250% |
Christmas Club
|
paid on $200 or over |
0.748% |
0.750% |
IRA Shares
|
|
0.748% |
0.750% |
APY
here stands for "Annual Percentage Yield"
|
|
| Type |
Term |
Dividend Rate |
APY |
Share Certificate**
|
6 months |
1.244% |
1.250% |
($500 minimum)
|
1 year |
1.492% |
1.500% |
|
|
2 years |
1.985% |
2.000% |
|
|
3 years |
2.477% |
2.500% |
|
|
4 years |
2.918% |
2.950% |
|
|
5 years |
2.967% |
3.000% |
IRA Certificate**
|
6 months |
1.244% |
1.250% |
($500 minimum)
|
1 year |
1.492% |
1.500% |
|
|
2 years |
1.985% |
2.000% |
|
|
3 years |
2.477% |
2.500% |
|
|
4 years |
2.918% |
2.950% |
|
|
5 years |
2.967% |
3.000% |
APY
here stands for "Annual Percentage Yield"
**Early Withdrawal penalty: smaller of the two, dividends
earned or 30 days dividends (6 month & 1 year certificates)
/ 90 days dividends (2, 3, 4 & 5 year certificates)
|
|
- Download a printer friendly version of the
rates above in PDF format. Click
here. (Note: You need Adobe Acrobat Reader to
be able to view the PDF file)
|
|
