RATES (as of 4/10/10)
Quick Cash (Line of Credit)
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| |
15% |
15% |
15% |
15% |
15% |
Vehicle/Secured Loans
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
F
APR* |
| Up to 36 Months |
3.80%-3.95% |
5.75%-5.90% |
7.50%- 8.50% |
9.50%-10.50% |
14.25%-15.25% |
18.00% |
| 37 - 48 Months |
4.15%-4.30% |
6.10%-6.25% |
7.75%-8.75% |
9.75%-10.75% |
14.50%-15.50% |
18.00% |
| 49 - 60 Months |
4.50%-4.65% |
6.45%-6.60% |
8.00%9.00% |
10.00%-11.00% |
14.75%-15.75% |
18.00% |
| 72 Months |
5.00%-5.15% |
6.95%-7.10% |
8.50%-9.50% |
10.50%-11.50% |
N/A |
N/A |
| 84 Months |
5.50%-5.65% |
7.45%-7.60% |
N/A |
N/A |
N/A |
N/A |
Personal Loans
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 24 Months |
9% |
11.50% |
12.50% |
14.50% |
18.00% |
| 36 Months |
10% |
12.50% |
13.50% |
15.50% |
N/A |
| 48 Months |
11% |
13.50% |
14.50% |
N/A |
N/A |
Credit Cards
| |
RateAPR* |
Term |
|
| Platinum Mastercard/Platinum Visa |
9.750 9.750 |
n/a |
|
| Gold Mastercard/Gold Visa |
11.750 11.750 |
n/a |
|
| Mastercard/Visa |
13.750 13.750 |
n/a |
|
Savings/Checking
| |
Dividend Rate |
APY* |
Term |
| Shares $25-$24,999 |
0.39 |
0.40 |
n/a |
| Shares $25,000-$74,999 |
0.59 |
0.60 |
n/a |
| Shares $75,000 and over |
0.79 |
0.80 |
n/a |
| Rewards Checking $0-$25,000 |
3.93 |
4.01 |
n/a |
| Rewards Checking $25,000 and over |
1.00 |
1.01 |
n/a |
| Accounts not meeting specified credit criteria will be paid APY .10 |
| Prime Checking $500-$24,999 |
0.20 |
0.20 |
n/a |
| Prime Checking $25,000-$74,999 |
0.30 |
0.30 |
n/a |
| Prime Checking $75,000 and over |
0.39 |
0.40 |
n/a |
| n/a |
| Money Market $2,000-$24,999 |
.995 |
1.00 |
n/a |
| Money Market $25,000-$74,999 |
1.09 |
1.10 |
n/a |
| Money Market $75,000 and over |
1.19 |
1.20 |
n/a |
| IRA Shares |
2.22 |
2.25 |
n/a |
| Christmas Club |
0.85 |
0.85 |
n/a |
Fees may reduce earnings on Share Accounts. *APY=Annual Percentage Yield
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|
Certificates
| |
Dividend Rate |
APY* |
Term |
| $1,000 - $24,999.99 |
| 6 mon Share Certificate/IRA |
1.34 |
1.35 |
6 |
| 1 yr Share Certificate/IRA |
1.49 |
1.50 |
12 |
| 2 yr Share Certificate/IRA |
2.12 |
2.15 |
24 |
| 3 yr Share Certificate/IRA |
2.27 |
2.30 |
36 |
| 4 yr Share Certificate/IRA |
2.37 |
2.40 |
48 |
| 5 yr Share Certificate/IRA |
2.47 |
2.50 |
60 |
| $25,000 - $74,999.99 |
| 6 mon Mini-Jumbo Share Certificate/IRA |
1.39 |
1.40 |
6 |
| 1 yr Mini-Jumbo Share Certificate/IRA |
1.53 |
1.55 |
12 |
| 2 yr Mini-Jumbo Share Certificate/IRA |
2.17 |
2.20 |
24 |
| 3 yr Mini-Jumbo Share Certificate/IRA |
2.32 |
2.35 |
36 |
| 4 yr Mini-Jumbo Share Certificate/IRA |
2.42 |
2.45 |
48 |
| 5 yr Mini-Jumbo Share Certificate/IRA |
2.52 |
2.55 |
60 |
| $75,000 + |
| 6 mon Jumbo Share Certificate/IRA |
1.44 |
1.45 |
6 |
| 1 yr Jumbo Share Certificate/IRA |
1.59 |
1.60 |
12 |
| 2 yr Jumbo Share Certificate/IRA |
2.22 |
2.25 |
24 |
| 3 yr Jumbo Share Certificate/IRA |
2.37 |
2.40 |
36 |
| 4 yr Jumbo Share Certificate/IRA |
2.47 |
2.50 |
48 |
| 5 yr Jumbo Share Certificate/IRA |
2.57 |
2.60 |
60 |
A penalty may be imposed for early withdrawals. *APY=Annual Percentage Yield
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