Here you will find our current and most up-to-date listings of in-house financial rates.  Inquiries about mortgage rates must be made by phone or e-mail at this time, due to the daily changing nature of such rates.  In the future, we hope to offer the day's rates daily.  This is something we are working on.  When we know if this will be possible, you'll find out about it here first, so be sure to check in often!

For Savings Rates, Consumer Loan Rates and VISA Rates, please click the corresponding link in the right column..

Consumer Loan Rates
Effective Date: June 3, 2008

• Rates from 4.75 APR to 9.75 APR up to 60 months.
• Rates from 4.65 APR to 9.65 APR up to 48 months. 
• Rates from 4.50 APR to 9.50 APR up to 36 months.
• Rates are based on individual financial history and if you take advantage of the discounts available.
• May go up to 72 month financing if vehicle is priced at $25,000 or more; we add to the interest rate to do so.
• Longer financing may be available; Contact us for more information.

• Rates from 5.75 APR to 10.75 APR.
• Up to 60 months, based on individual financial history and if you take advantage of the discounts available.
• May go up to 72 month financing if vehicle is priced at $25,000 or more; we add to the interest rate to do so.

• Rates from 6.50 APR to 11.50 APR.
• Up to 60 months maximum, Based on individual financial history and if you take advantage of the discounts available.

• Up to 60 months: Rates from 4.75 APR to 9.75 APR.
• From 61 to 72 months: Rates from 5.25 APR to 10.25 APR.
• From 73 to 84 months: Rates from 5.75 APR to 10.75 APR. 
• Based on individual financial history and if you take advantage of the discounts available.

• Based on individual financial history and Income.
• Up to $1000 for as long as 12 months: Rates from 7.00 APR to 11.50 APR
• Up to $3000 for as long as 24 months: Rates from 9.00 APR to 13.50 APR.
• Up to $3000 for as long as 30 months: Rates from 9.25 APR to 13.75 APR.
• From $3000 - $5000 for as long as 48 months: Rates from 12.90 APR to 17.40 APR.
• Time notes, up to $5000 unsecured: Rates from 12.90 APR to 16.40 APR. A $25.00 processing fee applies.

Home Equity & In-house Mortgage Rates
Effective Date: March 7, 2008

Home Equity Loans

4.90% Floor Rate if LTV is less than 70%
Rate will adjust to current prime rate minus .50% when opened, and then quarterly

4.90% Floor Rate if LTV is less than 80%
Rate will adjust to current prime rate when opened, and also quarterly

5.90% Floor Rate if LTV is less than 90%
Rate will adjust to current prime rate plus .50% when opened, and then quarterly

LTV = Loan to Value = Loan amount divided by appraisal amount

In-House Mortgages

Share Account and Certificate Rates
Effective Date: April 1, 2008

(APY - Annual Percentage Yield, APR - Annual Percentage Rate)

Account	APR	APY
Share Accounts
Regular Share	.25%	.25%
Christmas Club	.25%	.25%
Vacation Club	.25%	.25%
Special Deposit	.25%	.25%
Eager Beaver Shares	.25%	.25%
Share Draft	-	-
Prime Time Share Draft	-	-
Individual Retirement Accounts (IRAs)
Traditional & Roth	3.00%	3.04%
Coverdell Education Savings	3.00%	3.04%

CD Rates
Effective June 3, 2008

Share Certificates of Deposit*	APR	APY
6 Months	1.75%	1.76%
12 Months	2.00%	2.02%
18 Months	2.15%	2.17%
24 Months†	2.50%	2.52%
36 Months‡	2.70%	2.73%

*  Minimum deposit $1000.00; children under 18 years of
   age and college students, minimum deposit $500.00.

^†  24 Month CD has the ability to adjust rates once per
   year during its term.

^‡  36 Month CD has the ability to adjust rates once per
   year during its term.

 

Money Market Rates
Effective April 1, 2008

Money Market Rates	APR	APY
$2,500 - $4,999.99	.50%	.50%
$5,000 - $14,999.99	.65%	.65%
$15,000 - $24,999.99	.80%	.80%
$25,000 - $49,999.99	1.20%	1.20%
$50,000 and more	2.00%	2.02%