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Loan Rates | Deposit Account Yields | Certificates
& IRA Yields
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Loan Rates
Effective 02/11/08
and subject to change without notice.
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New Vehicles - Fixed
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As Low As 3.90% APR*
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New Vehicles - Variable
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Prime Minus 0.50% APR
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Used Vehicles - Fixed
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As Low As 4.45% APR*
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Used Vehicles - Variable
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Prime Plus 0.50% APR
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RV & Boats < 72 months
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7.75% APR*
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RV &
Boats 73-120months
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8.75% APR*
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New Motorcycles
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As Low As 5.65% APR*
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Used Motorcycles
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As Low As 6.20% APR*
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Share Secured
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4.00% APR
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Unsecured
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As Low As 7.00% APR*
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Farm Operation - Fixed
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7.50% APR
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Farm Operation - Variable
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Prime Plus 0.50% APR
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Farm Equipment
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As Low As 6.75% APR
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Home Equity Line of Credit
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Adjustable rate mortgage prime
plus .25%
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Junior Lien Mortgage
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7.50% APR
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Primary Resident Real Estate
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Call for Quote
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Fixed 1st Mortgage up to 66
months
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5.75% APR
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Fixed 1st Mortgage up to 144
months
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6.25% APR
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VISA
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13.9% APR
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VISA (share secured)
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6.80% APR
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Overdraft Protection LOC
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15.00% APR
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*Rates
based on Account Relationships
APPLY FOR A
CONSUMER LOAN
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Deposit
Account
Annual Percentage Yields (APY)
All rate/yields
are effective 01/05/09 and are subject to change at any time.
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Account
Type
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APY
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Terms
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Membership Share - Average Balance
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$.01
and Over
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.30%
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N/A
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Lifesavers Youth Share Account - Average Balance
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$0-$249.99
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.25%
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N/A
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$250-$999.99
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.35%
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N/A
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$1,000-$9999.99
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.50%
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N/A
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$10,000
& Over
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.85%
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N/A
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Christmas Club
Account
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.25%
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Annual
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IRA Savings Account - Average Balance
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$0-$999.99
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.50%
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N/A
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$1,000-$4999.99
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.50%
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N/A
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$5,000-$9999.99
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.74%
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N/A
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$10,000-$24,999.99
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1.26%
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N/A
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$25,000-$49,999.99
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1.76%
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N/A
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$50,000
& Over
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2.02%
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N/A
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Health Savings Accounts (HSA) - Average Balance
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$0-$999.99
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1.00%
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N/A
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$1,000-$24,999.99
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1.26%
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N/A
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$25,000
& Over
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1.51%
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N/A
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Basic Checking Account - Average Balance
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$0
& Over
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0%
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N/A
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E-Checking
Account (Personal) - Average Balance
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$0-$999.99
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0%
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N/A
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$1,000-$9,999.99
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.10%
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N/A
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$10,000-$19,999.99
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.15%
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N/A
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$20,000-$49,999.99
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.20%
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N/A
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$50,000
& Over
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.30%
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N/A
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E-Checking Account
(Non-Personal) - Average Balance
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$0-$999.99
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0%
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N/A
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$1,000-$9,999.99
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0%
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N/A
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$10,000-$19,999.99
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.15%
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N/A
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$20,000-$49,999.99
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.20%
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N/A
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$50,000
& Over
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.30%
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N/A
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Money Management
Account - Avg. Balance
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$0.01-$4,999.99
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.25%
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N/A
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$5,000-$9,999.99
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.25%
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N/A
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$10,000-$24,999.99
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.50%
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N/A
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$25,000-$49,999.99
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.80%
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N/A
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$50,000-$99,999.99
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.95%
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N/A
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$100,000
& Over
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1.21%
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N/A
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* $25.00
minimum deposit to open e-Checking and Basic Checking Accounts. Maintenance
and/or activity fees could reduce earnings on all Share Accounts.
APY (Annual Percentage Yield) for all Share Accounts is calculated based on
the dividends being added to the account balance each month.
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Share Certificates Yields
All rate/yields
are effective 01/05/09 and are subject to change at any time.
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$1,000-$4,999.99
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$5,000-$9,999.99
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$10,000-$24,999.99
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$25,000
& Over
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TERMS
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APY
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APY
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APY
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APY
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12 Months
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0.85%
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1.12%
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1.18%
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1.25%
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24 Months
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1.26%
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1.46%
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1.59%
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2.03%
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36 Months
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1.61%
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1.79%
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2.06%
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2.27%
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48 Months
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1.88%
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2.17%
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2.31%
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2.39%
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IRA Yields
All rate/yields are
effective 01/05/09 and are subject to change at any time.
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$1,000-$4,999.99
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$5,000-$9,999.99
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$10,000-$24,999.99
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$25,000
& Over
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TERMS
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APY
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APY
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APY
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APY
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12 Months
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0.85%
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1.12%
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1.18%
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1.25%
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24 Months
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1.26%
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1.46%
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1.59%
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2.03%
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36 Months
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1.61%
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1.79%
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2.06%
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2.27%
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48 Months
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1.88%
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2.17%
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2.31%
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2.39%
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ASK ABOUT "RATE GUARD OPTION"
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APY (Annual Percentage Yield)
is calculated based on the dividends being added to the account balance
each month.
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Early withdrawal penalties may
be assessed on CD's/IRA's for withdrawals prior to maturity.
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