Description

Compounded

APR

APY

90 Day*

N/A

0.35%

0.35%

$500 Minimum. Loss of dividend penalty for early withdrawal.

6 Month*

N/A

0.60%

0.60%

$500 Minimum. One withdrawal with no penalty - all subsequent withdrawals incur a 90 day dividend penalty.

6 Month*

N/A

0.90%

0.90%

$500 Minimum. Early withdrawal penalty = 90 days dividend, earned or not.

12 Month*

Quarterly

1.10%

1.11%

$1,200 Minimum. Early withdrawal penalty = 90 days dividend earned or not.

18 Month*

Quarterly

1.25%

1.26%

$1,800 Minimum. Early withdrawal penalty = 90 days dividend earned or not.

24 Month*

Quarterly

1.60%

1.61%

$2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.

30 Month*

Quarterly

1.70%

1.71%

$2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.

36 Month*

Quarterly

1.80%

1.81%

$2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.

Description

Compounded

APR

APY

Regular Share

Quarterly

0.15%

0.15%

Share Draft

Quarterly

0.10%

0.10%

Christmas Club

Quarterly

0.40%

0.40%

Accumulative IRA

Quarterly

1.00%

1.00%

Rates and yields may change after the account is open.
The APY is based on last quarter dividends paid - January 1, 2010.

Description

Term

Rate

Share Secured

Up to 60 mos.
over 60 mos.

Fixed
Adjustable

2.00% Above
Share Rate

Secured by the Share Account.

Certificate Secured

Must be paid or refinanced at maturity.

Fixed

2.00% Above
Cert. Rate

Secured by the Term Share Certificate.

Signature Loans

Up to 48 mos.

Base

12.50%

Pop Loan Line of Credit

48 mos.

Base

13.00%

Rates will be quoted using the base rate however you may be offered a lower or higher rate depending on your credit history.

New Cars, Trucks, Vans (Never titled-less than 15,000 miles)

Up to 72 mos.
Up to 60 mos.
Up to 48 mos.

Base
Base
Base

7.50%
7.25%
6.75%

90-100% of actual purchase price over $25,000.

Used Cars, Trucks, Vans (Has been titled or over 15,000 miles)
Over 5 years old -

Up to 60 mos.
Up to 48 mos.

36 mos.

Base
Base

Base

7.25%
6.75%

8.00%

90-100% of NADA Average Retail or Purchase Price (whichever is less)
over $15,000 or less than 1 year old over $10,000 or 1 to 5 years old
over 5 years old.

New Camper Trailers, Piggyback Camper Units, Motor Homes

Up to 60 mos.
Up to 48 mos.

Base
Base

8.25%
8.00%

70-80% of NADA Average Retail or Purchase Price (whichever is less).

Used Camper Trailers, Piggyback Camper Units, Motor Homes

Up to 48 mos.

Base

8.75%

70-80% of NADA Average Retail or Purchase Price (whichever is less).

New Motorcycles, Watercraft, Other Rec. Vehicles

Up to 60 mos.
Up to 48 mos.

Base
Base

8.75%
8.50%

70-80% of NADA Average Retail or Purchase Price (whichever is less).

Used Motorcycles, Watercraft, Other Rec. Vehicles

Up to 48 mos.
Up to 36 mos.

Base
Base

9.25%
9.00%

70-80% of NADA Average Retail or Purchase Price (whichever is less)

New Farm and Yard Equipment

Up to 36 mos.

Base

9.25%

70-80% of NADA Average Retail or Purchase Price (whichever is less)

Used Farm and Yard Equipment

Up to 36 mos.

Base

9.75%

70-80% of NADA Average Retail or Purchase Price (whichever is less)

New Major Appliances and Personal Computers

Up to 36 mos.

Base

10.25%

70-80% of Purchase Price Plus Sales Tax.

First Mortgage

Up to 20 yrs.
Up to 15 yrs.
Up to 8 yrs.

Fixed
Fixed
Fixed

5.50-6.50%
5.00-6.00%
4.50-5.50%

70% to 97% based on funding resources and availability.

Unimproved Property

Up to 15 yrs.
Up to 8 yrs.
Up to 5 yrs.

Fixed
Fixed
Fixed

6.25%
6.00%
5.50%

70-80% of Appraised Value or Purchase Price (whichever is less).

Home Equity

Up to 15 yrs.

Variable
Fixed

5.50%

11th District COF + 3.00%. (70-80% of Appraised Value of Purchase Price (whichever is less).

Description

Size

Fee

Safe Deposit Box

3 x 5

$20

3 x 10

$33

5 x 10

$55

10 x 10

$90

This fees listed above are annual fees.