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TRAVEL MONEY CARD
Will you be traveling soon and don't want to carry cash?
Contact us for a Travel Money Card
Pre-paid card that can be used anywhere VISA is accepted.
Use it for hotels, car rentals and even get cash
Better and more convenient than travelers checks!!

WE ARE NOW ACCEPTING THE UTILITY PAYMENTS:
Altoona City Authority - Water/Sewer
Atlantic Broadband
Verizon & Verizon Wireless
AT&T Long Distance & Wireless
Penelec
Dominion Gas
Dish Network

Check Out Our Great CD Rates

VISA GIFT CARDS AVAILABLE

24/7 Banking
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We have Home Equity Loans
Need home improvement, hot tub, or just a vacation


 
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  
4.99% 48  
5.99% 60  
5.99% 72  
       
USED Vehicles      
  2002 & Newer 4.99% 36  
  5.99% 48  
  2006 & Newer 6.25% 60  
  2006 & Newer 6.25% 72  
       
Unsecured Personal 10.00% 60  
       
Share Secured 6.00% 60  
       
Home Equity 4.99% 60  
  6.00% 120  
  6.75% 180  
       
Student Loans      
  $2000 per year & payments are not deferred 8.00% 30  
       
Goverment PHEAA Loans Rate determined by PHEAA
       
The Better Choice Loan Program
Up to $500.00
18% 90 Days  
       
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.