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Beginning August 13, 2010, we will no longer pay your overdrafts for ATM and everyday debit card transactions unless you tell us you want overdraft coverage for these transactions.
Everyone must complete a new form.
Click Here for Additional Information & Opt In Form
OTHER SERVICES OFFERED:
- Certificates of Deposit
- Gift Cards
- Home Banking 24/7
- Utility Payments Accepted
- Money Orders
- Student Loans
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Effective Date: January 19, 2010
ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTIFICATION
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Calculator |
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| LOANS |
Term |
Rate |
APR |
| Signature, Co-Signer & Fully Secured Loans |
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up to $2,500.00 |
18 Months |
8% - 10% |
8% - 10% |
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$2,501.00 to $5,000.00 |
48 Months |
8% - 10% |
8% - 10% |
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$5,001.00 to $7,500.00 |
60 Months |
8% - 10% |
8% - 10% |
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| VISA® Credit Cards |
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9.90% |
9.90% |
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| Home Equity Loans |
up to 5 Years |
4.99% |
4.99% |
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61 Months to 10 Years |
6.00% |
6.00% |
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121 Months to 15 Years |
6.75% |
6.75% |
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| New Vehicle Loans/Motorcycles |
Qualified |
APR |
Rate |
APR |
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up to 36 Months |
3.99% |
3.99% |
5.49% |
5.49% |
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37 to 48 Months |
4.99% |
4.99% |
6.49% |
6.49% |
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49 to 60 Months |
5.99% |
5.99% |
7.49% |
7.49% |
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61 to 72 Months |
5.99% |
5.99% |
7.49% |
7.49% |
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| Boats, ATV, PWC, Snowmobiles |
add 0.75% on above rates |
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| RV, Pull Behind Trailers |
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Same terms as above |
add 1.50% on above rates |
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| Used Vehicle Loans/Motorcycles |
Qualified |
APR |
Rate |
APR |
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up to 36 Months |
4.99% |
4.99% |
6.49% |
6.49% |
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37 to 48 Months |
5.99% |
5.99% |
7.49% |
7.49% |
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49 to 60 Months |
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2007 or Newer |
6.25% |
6.25% |
7.75% |
7.75% |
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61 to 72 Months |
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2007 or Newer |
6.25% |
6.25% |
7.75% |
7.75% |
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| Boats, ATV, PWC, Snowmobiles |
add 0.75% on above rates |
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| RV, Pull Behind Trailers |
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Same terms as above |
add 1.50% on above rates |
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| Student Loans |
Term |
Rate |
APR |
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$2,000 per year payment not deferred |
30 Months |
8.00% |
8.00% |
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Go to Loan Application
Dividend Rates
Effective Date: June 3, 2010
| SAVINGS |
Dividend Rate |
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Term |
| Share |
0.25% APY |
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$100.00 to $2,500.00 |
| Share |
0.50% APY |
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$2,500.01 to $10,000.00 |
| Share |
0.75% APY |
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$10,000.01 to $20,000.00 |
| Share |
1.00% APY |
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$20,000.01 and up |
| Christmas |
0.25% APY |
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over $100 to each dividend |
| Vacation |
0.25% APY |
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over $100 to each dividend |
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| SUPER SAVINGS ACCOUNTS |
Dividend Rate |
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Term |
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1.00% APY |
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$5,000.00 - $7,500.00 |
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1.25% APY |
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$7,500.01 - $10,000.00 |
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1.50% APY |
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$10,000.01 - $20,000.00 |
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1.75% APY |
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$20,000.01 & up |
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Minimum Opening Deposit of $5,000.00
Interest is credited and compounded quarterly
ONE FREE withdrawal per month
$5.00 fee per withdrawal after ONE withdrawal |
| CERTIFCATES |
Dividend Rate |
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Term |
| 6 Months |
0.60% APY ** |
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6 |
| 1 Year |
0.85% APY ** |
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12 |
| 18 Months |
1.10% APY ** |
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18 |
| 2 Years |
1.35% APY ** |
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** Penalty for early withdrawal will be 90 days of accrued interest.
Debit Card Fee
Starting April 30 2009, a $2.00 fee will be deducted from Checking Accounts Monthly
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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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