|
|
Current as of July 1st, 2008.
| 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 2008, 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 |
1.244% |
1.250% |
|
|
$2,500 and over |
1.492% |
1.500% |
Share Drafts
|
|
0.499% |
0.500% |
Christmas Club
|
paid on $200 or over |
1.244% |
1.250% |
IRA Shares
|
|
1.739% |
1.750% |
APY
here stands for "Annual Percentage Yield"
|
|
| Type |
Term |
Dividend Rate |
APY |
Share Certificate**
|
6 months |
2.967% |
3.000% |
($500 minimum)
|
1 year |
3.211% |
3.250% |
|
|
2 years |
3.455% |
3.500% |
|
|
3 years |
3.601% |
3.650% |
|
|
4 years |
3.650% |
3.700% |
|
|
5 years |
3.698% |
3.750% |
IRA Certificate**
|
6 months |
2.967% |
3.000% |
($500 minimum)
|
1 year |
3.211% |
3.250% |
|
|
2 years |
3.455% |
3.500% |
|
|
3 years |
3.601% |
3.650% |
|
|
4 years |
3.650% |
3.700% |
|
|
5 years |
3.698% |
3.750% |
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)
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