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Effective Date: January 1, 2009
ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTIFICATION
| LOANS |
Rate |
Term |
Calculator |
NEW Vehicles
* Contact the office for Recreational and Classic Car Rates |
3.99% |
36 |
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| 4.99% |
48 |
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| 5.99% |
60 |
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| 5.99% |
72 |
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| USED Vehicles |
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| 2002 & Newer |
4.99% |
36 |
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5.99% |
48 |
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| 2006 & Newer |
6.25% |
60 |
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| 2006 & Newer |
6.25% |
72 |
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| Unsecured Personal |
10.00% |
60 |
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| Share Secured |
6.00% |
60 |
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| Home Equity |
4.99% |
60 |
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6.00% |
120 |
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6.75% |
180 |
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| Student Loans |
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| $2000 per year & payments are not deferred |
8.00% |
30 |
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| Goverment PHEAA Loans |
Rate determined by PHEAA |
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The Better Choice Loan Program
Up to $500.00 |
18% |
90 Days |
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Go to Loan Application
Dividend Rates
Effective Date: October 16, 2008
| SAVINGS |
Dividend Rate |
Term |
| Share |
0.50% |
$100.00 to $2,500.00 |
| Share |
0.75% |
$2,500.01 to $10,000.00 |
| Share |
1.00% |
$10,000.01 to $20,000.00 |
| Share |
1.25% |
$20,000.01 and up |
| Christmas |
0.50% |
n/a |
| Vacation |
0.50% |
n/a |
| CERTIFCATES |
Dividend Rate |
Term |
| 6 Month |
2.50% ** |
6 |
| 12 Month |
2.90% ** |
12 |
* The crediting of dividends will be as a transfer to your regular share account or the share account of your choice. The dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period.
** Penalty for early withdrawal will be 90 days of accrued interest.
Accrual Information:
Dividends are calculated by the Daily Balance method which applies a daily periodic rate to the Principal in the account each day. For all accounts using an average daily balance method, dividends are calculated by applying the rate to the average daily balance. The average daily balance is obtained by adding the balance in the account for each day in the period then dividing that by the number of days in the period.
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