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Savings Rates
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Share Type
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Tier Range
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APR
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APY*
|
|
|
|
|
|
Share Savings
|
$25.00 – $9,999.99
|
1.00%
|
1.00%
|
|
Share Savings
|
$10,000.00 and up
|
1.30%
|
1.30%
|
|
IRA***
|
$500.00 – $9,999.99
|
3.90%
|
3.91%
|
|
IRA***
|
$10,000.00 and up
|
4.00%
|
4.01%
|
|
Holiday Club**
|
|
2.25%
|
2.26%
|
*APY = Annual Percentage Yield
**Paid annually — not quarterly.
***Coverdale IRA accounts pay dividends on the first dollar of deposit.Dividends will
be applied on the Traditional and Roth IRA when the minimum balance is met.
Share Account dividend rates effective December 19, 2006.
Holiday Club share dividend rate effective December 31, 2005. Rates are subject to change without notice.
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Certificate Rates
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|
|
|
|
|
|
|
|
|
|
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1,000.00 – 9,999.99
|
|
10,000.00 – 24,999.99
|
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25,000.00 and Up
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|
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|
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|
|
|
APR
|
APY*
|
APR
|
APY*
|
APR
|
APY*
|
|
6 Month
|
4.40%
|
4.47%
|
4.45%
|
4.52%
|
4.50%
|
4.58%
|
|
12 Month
|
5.15%
|
5.25%
|
5.20%
|
5.30%
|
5.25%
|
5.35%
|
|
24 Month
|
5.25%
|
5.35%
|
5.35%
|
5.46%
|
5.40%
|
5.51%
|
|
36 Month
|
5.40%
|
5.51%
|
5.45%
|
5.56%
|
5.50%
|
5.61%
|
*APY = Annual Percentage Yield
Effective October 17, 2006.
Rates are subject to change without notice.
 Back to top
|
Financial Health Club
|
|
|
APR
|
APY*
|
|
|
|
|
12 Month
|
5.05%
|
5.15%
|
|
18 Month
|
5.10%
|
5.20%
|
|
24 Month
|
5.15%
|
5.25%
|
|
36 Month
|
5.30%
|
5.41%
|
*APY = Annual Percentage Yield
Effective October 17, 2006.
Rates are subject to change without notice.
Back to top
|
Student Loan Rates
|
|
Fixed interest rates for loans first disbursed on or after
July 1, 2006.
|
|
Type
|
APR
|
|
|
|
Subsidized Undergraduate Federal Stafford
For loans disbursed after July 1, 2008
|
6.00%
|
|
Unsbsidized Federal Stafford
For dependant & independent loans
|
6.80%
|
|
Subsidized Graduate Federal Stafford
|
6.80%
|
|
Federal Parent PLUS/Grad PLUS Loans
|
8.50%
|
|
Federal Consolidation Loans
Weighted average of the interest rates on the loans consolidated, rounded up to the nearest 1/8th of one percent.
|
|
|
Variable interest rates for loans first disbursed between
July, 1 1998 and June 30,2006.
|
|
|
Federal Stafford
In school, grace or deferment
|
3.61%
|
|
Federal Stafford
Repayment or forbearance
|
4.21%
|
|
Federal Parent PLUS/Grad PLUS Loans
|
5.01%
|
|
Federal Consolidation Loans
Weighted average of the interest rates on the loans consolidated, rounded up to the nearest 1/8th of one percent.
|
Back to top
|
Loan Rates
|
|
Type
|
Approximate
Term
|
APR
|
|
|
|
|
Share Secured
|
36 – 60 Months
|
5.37% – 17.37%
|
|
Signature
|
29 Months
|
22.07% – 26.73%
|
|
Line of Credit
|
37 – 45 Months
|
9.37% – 17.72%
|
|
Home Equity Line
of Credit
|
30 years
|
7.00%
|
|
New Vehicle
|
36 Months
|
5.37% – 9.53%
|
|
48 Months
|
6.22% – 10.78%
|
|
60 Months
|
6.32% – 9.72%
|
|
72 Months
|
6.42% – 8.77%
|
|
84 Months
|
6.52%
|
|
Used Vehicle
1 Year
|
36 Months
|
5.91% – 13.38%
|
|
48 Months
|
6.76% – 15.09%
|
|
60 Months
|
6.86% – 10.55%
|
|
72 Months
|
6.96%
|
|
Used Vehicle
2 Years
|
36 Months
|
6.18% – 15.84%
|
|
48 Months
|
7.03% – 17.83%
|
|
60 Months
|
7.13% – 14.73%
|
|
Used Vehicle
3 Years
|
36 Months
|
6.44% – 18.73%
|
|
48 Months
|
7.29% – 21.03%
|
|
Used Vehcle 4 Years
|
36 Months
|
6.71% – 22.11%
|
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Overdraft Checking
|
26 Months
|
18.00%
|
|
Home Equity
Variable Rate
|
|
Prime +1
|
|
Back on Track
MasterCard
|
|
19.80%
|
|
Unique Visa
|
|
16.00%
|
|
Visa Gold
|
|
9.80%
|
|
Visa Platinum
|
|
7.80%
|
Effective January 15, 2008, the ANNUAL PERCENTAGE RATES for existing balances and new
advances on the sub accounts shown above will be changing as shown above; the rate that
you receive is based on certain credit-worthiness criteria.
Rates are subject to change without notice.
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