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Rates


APY = Annual Percentage Yield

Checking Accounts

Checking TypeRate / APYMinimum BalanceFee if below Minimum Balance
Premier Checking0.01% / 0.01%$500.00$5.50
Econo CheckingN/A$200.00$2.00
Business 550N/A$5.50
Business 200N/A$2.00

Savings Accounts

Savings TypeRate / APYMinimum Balance
Available Asset Account0.05% / 0.05% - 0.10% / 0.10% (Tiered)$100.00
Christmas Club Account0.05% / 0.05%$5.00
Vacation Club Account0.05% / 0.05%$5.00
Regular Shares0.05% / 0.05%$5.00

Share Certificates

DurationRateAPY
$500.00 - $9,999.99
6 Months0.05%0.05%
12 Months0.05%0.05%
24 Months0.10%0.10%
36 Months0.15%0.15%
48 Months0.20%0.20%
60 Months0.25%0.25%
$10,000.00 - $24,999.99
6 Months0.10%0.10%
12 Months0.10%0.10%
24 Months0.15%0.15%
36 Months0.20%0.20%
48 Months0.40%0.40%
60 Months0.60%0.60%
$25,000.00 - $99,999.99
6 Months0.15%0.15%
12 Months0.15%0.15%
24 Months0.20%0.20%
36 Months0.25%0.25%
48 Months0.50%0.50%
60 Months0.75%0.75%
$100,000 Plus
6 Months0.15%0.15%
12 Months0.15%0.15%
24 Months0.20%0.20%
36 Months0.25%0.25%
48 Months0.50%0.50%
60 Months0.75%0.75%

Installment Certificates

DurationMinimum to OpenRateAPY
18 Mo. - $25/mo. Installment$100.000.10%0.10%
18 Mo. - $50/mo. Installment$200.000.10%0.10%
18 Mo. - $100/mo. Installment$400.000.10%0.10%

Computer Loans

APRLoan AmountTerms in Months
8.0% *Up to $25,000Up to 36 months

Unsecured Loans

Loan TypeRate/APRMinimum DownTerms
TimeLine Loans11.9% - 16.0%up to 72 months
Signature Loans11.9% - 16.0%

Deposit Secured Loans

Loan TypeRate/APRMinimum DownTerms
Share Secured Loan3% above Share rateup to 72 months
Certificate Secured Loan3% above Certificate rate

New & Used Vehicle Loan Special

A Paper---Model Year & Term48 Months
or Less
60 Months72 MonthsDown Pmt Required
New -- 2 years old2.25%2.50%2.75%0% Down Payment
3 -- 6 years old2.50%2.75%3.25%0% Down Payment
7 -- 10 years old2.75%3.25%0% Down Payment
10 years or older3.00%0% Down Payment
**Rates include .25% Premier Member Discount
VALUESTERMSOTHER THAN "A" PAPER RATINGS
$35000 OR MOREUP TO 84 MONTHS**RATESDOWN PMT
$20000 OR MOREUP TO 72 MONTHS"B" PAPER RATING ADD .25%ZERO DOWN PMT REQUIRED
$10000 OR MOREUP TO 60 MONTHS"C" PAPER RATING ADD 2.25%10% DOWN PMT REQUIRED
$5000 to $9999UP TO 48 MONTHS"D" PAPER RATING ADD 4.25%10% DOWN PMT REQUIRED
LESS THAN $5000 UP TO 36 MONTHS
**84 Months Same as 72 Month Rate

New & Used RV and Boat Loan Special

A Paper--Model Year & Terms48 Months or Less60 Months72 MonthsUp to 84 MonthsDown Pmt
Required
New--2012 up to $35,0003.79%4.04%4.29%4.54%0% Down Payment
2011-2008 up to $35,000 4.04%4.29%4.54%4.79%0% Down Payment
2007-2004 up to $35,000 4.29%4.54%4.79%0% Down Payment
2004-older up to $35,000 4.54%4.79%0% Down Payment
**Rates include .25% Premier Member Discount.
Additional Rates & Down Payment Requirements
RatesDown Payment
"B" Paper RatingAdd .25%0% Down Payment
"C" Paper RatingAdd 2.25%10% Down Payment
"D" Paper RatingAdd 4.25%10% Down Payment
Down Payments Requirements Based on Loan Amounts
LOANS $35,001-$50,000Additional 10% Down
LOANS $50,001-$75,000Additional 20% Down
LOANS OVER $75,000Additional 30% Down

New & Used Personal Watercraft, ATV and Snowmobile Loan Special

A Paper w/Premier Discount**36 Months
or Less
60 MonthsDown Payment
Required
New--20123.00%3.50%10% Down Payment
2011-2008 or $35,000 value3.25%10% Down Payment
B Paper w/Premier Discount**36 Months
or Less
60 MonthsDown Payment
Required
New--20123.25%3.75%10% Down Payment
2011-2008 or $35,000 value3.50%10% Down Payment
C Paper w/Premier Discount**36 Months
or Less
60 MonthsDown Payment
Required
New--20125.25%5.75%20% Down Payment
2011-2008 or $35,000 value5.50%20% Down Payment
D Paper w/Premier Discount**36 Months
or Less
60 MonthsDown Payment
Required
New--20127.25%7.75%20% Down Payment
2011-2008 or $35,000 value7.50%20% Down Payment

**All Loan Special Rates include .25% Premier Member Discount.