* Rates effective as of 10/19/2009.
Deposit Account Rates
Checking |
| Checking |
$500.00 |
0.25% |
0.25% |
| |
*0.25% APY on the average daily balance of $500.00 or more, paid monthly. |
| |
Savings |
| Tier 1 (.00-299.99) |
$5.00 |
0.00% |
0.00% |
| Tier 2 (300.00 to 10,000.00) |
$300.00 |
0.25% |
0.25% |
| Tier 3 (10,000.01 to 50,000.00) |
$10,000.00 |
0.35% |
0.35% |
| Tier 4 (50,000.01 and over) |
$50,000.00 |
0.45% |
0.45% |
| Vacation and Holiday Clubs |
$50.00 |
0.25% |
0.25% |
| |
Tiers 1 - 4 apply to Savings and Savings Plus accounts only. APY on the average daily balance of $300.00 or more on Savings and Savings Plus accounts, paid monthly. Dividends paid on balances of $50.00 or more in Vacation and Holiday Club accounts. |
| |
Money Market |
| Tier 1 (.00-2,000.00) |
$0.00 |
0.25% |
0.25% |
| Tier 2 (2,000.01 to 10,000.00) |
$2,000.01 |
0.90% |
0.90% |
| Tier 3 (10,000.01 to 25,000.00) |
$10,000.01 |
0.95% |
0.95% |
| Tier 4 (25,000.01 and over) |
$25,000.01 |
1.00% |
1.01% |
| |
Dividends paid monthly. A minimum deposit of $2,000 is required to open the account. Fees could reduce earnings. |
| |
Certificates |
| 6 Months |
$1,000.00 |
1.00% |
1.01% |
| 7 Months |
$1,000.00 |
1.00% |
1.01% |
| 12 Months |
$500.00 |
1.60% |
1.61% |
| 12 Months Money Saver |
$25.00 |
1.50% |
1.51% |
| 13 Months |
$1,000.00 |
1.60% |
1.61% |
| 18 Months |
$1,000.00 |
1.80% |
1.82% |
| 24 Months |
$1,000.00 |
2.10% |
2.12% |
| 30 Months |
$1,000.00 |
2.10% |
2.12% |
| 36 months |
$1,000.00 |
2.60% |
2.63% |
| 60 Months |
$1,000.00 |
3.20% |
3.25% |
| |
Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties. |
| |
IRAs |
| 12 Months |
$500.00 |
1.60% |
1.61% |
| 24 Months |
$1,000.00 |
2.10% |
2.12% |
| 30 Months |
$1,000.00 |
2.10% |
2.12% |
| 60 Months |
$1,000.00 |
3.20% |
3.25% |
| Passbook |
$0.00 |
1.00% |
1.01% |
| 12 Months Variable |
$500.00 |
1.60% |
1.61% |
| |
Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties. |
| |
* Loan rates effective as of 10/19/2009. All loan rates listed below require automatic payments.
Auto Loans
Auto Loans |
| New |
75 Months |
4.74% |
| Used |
Varies* |
4.74% |
| |
*Maximum term based on member’s credit score and age of vehicle. A $20,000 loan financed at 4.74% Annual Percentage Rate would result in 60 monthly payments of $375.05 each. Loan rates listed require automatic payment. 100% financing available depending on credit worthiness. |
| |
First Mortgage
First Mortgage |
| 10 Years |
10 Years |
4.625% |
4.625% |
| 15 Years |
15 Years |
4.875% |
4.875% |
| 20 Years |
20 Years |
5.000% |
5.000% |
| 30 Years |
30 Years |
5.125% |
5.125% |
| 3/1 ARM |
3/1 ARM |
5.625% |
5.625% |
| |
We offer competitive rates, low closing costs, and no application fee. For specific information regarding your personal circumstance, please call us at 937/225-9227 or 800/762-9555, Ext. 227 or e-mail us for a Rate Quote. |
| |
Second Mortgage
Second Mortgage |
| 5 Years |
5 Years |
5.75% |
| 10 Years |
10 Years |
6.25% |
| 15 Years |
15 Years |
6.75% |
| |
*Loan rates listed require automatic payments. |
| |
Home Equity
Home Equity |
| Up to 80% |
15 Years |
4.00% |
| 81%-90% |
15 Years |
4.25% |
| |
* Loan rates effective as of 10/19/2009. All loan rates listed below require automatic payments.
Boats
Boats |
| New |
Up to 180 Months |
6.70% |
| Used |
Up to 180 Months |
7.20% |
| |
Mobile Homes
Mobile Homes |
| 2005 (New) |
120 Months |
11.70% |
| 2004 (New) |
120 Months |
11.70% |
| |
Motor Homes
Motor Homes |
| New |
Up to 180 Months |
6.70% |
| Used |
Up to 180 Months |
7.20% |
| |
Motorcycles
Motorcycles |
| New |
Up to 180 Months |
6.70% |
| Used |
Up to 180 Months |
7.20% |
| |
Signature
Signature |
| Fixed Rate |
60 Months |
9.95% |
| |
Savings-Secured
Savings-Secured |
| Fixed Rate |
60 Months |
4.75% |
| |
Stock Loans
Stock Loans |
| Variable Rate |
48 Months |
9.00% |
| |
Credit Cards Comparison Matrix |
| Annual Percentage Rate (APR) for purchases |
14.92% |
8.92% |
| Other APRs |
Cash Advance APR: 14.92%; Balance Transfer APR: 14.92%* |
Cash Advance APR: 14.92%; Balance Transfer APR: 8.92%*; Penalty APR: 14.92%** |
| Grace Period for RePayment of Balances for Purchases |
25 Days following VISA cycle billing date |
25 Days following VISA cycle billing date |
| Balance Computation Method |
Average Daily Balance (including new purchases) |
Average Daily Balance (including new purchases) |
| Annual Fee |
None |
None |
| Other Fees |
Late Payment: $20; Over Credit Limit: $20; Foreign Transaction Fee: 1% of transaction amount |
Late Payment: $20; Over Credit Limit: $20; Foreign Transaction Fee: 1% of transaction amount |
*For Platinum Cards only: Balance Transfers are permitted only for transfers from other institutions.
**For Platinum Cards only: If your payment is received late 2 times within a 6-month period, a fixed rate of 14.92% will take effect on all balances, effective the billing cycle following the second delinquency. Failure to make the minimum monthly payment is considered a late payment.
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