The following DIVIDEND RATEs have the effective date of: April 15, 2008
SHARE AND IRA CERTIFICATES
| TERM |
MINIMUM DEPOSIT |
DIVIDEND RATE |
APY* |
| 6 MONTHS |
$500 |
3.00% |
3.04% |
| 12 MONTHS |
$500 |
3.25% |
3.30% |
| 18 MONTHS |
$500 |
3.25% |
3.30% |
| 24 MONTHS |
$500 |
3.25% |
3.30% |
| 36 MONTHS |
$500 |
3.25% |
3.30% |
MONTY MOOSE AND YOUTH ACCOUNT CERTIFICATES
| TERM |
MINIMUM DEPOSIT |
DIVIDEND RATE |
APY* |
| 6 MONTHS |
$100 - $300 |
3.00% |
3.04% |
| 12 MONTHS |
$100 - $300 |
3.25% |
3.30% |
| 18 MONTHS |
$100 - $300 |
3.25% |
3.30% |
| 24 MONTHS |
$100 - $300 |
3.25% |
3.30% |
| 36 MONTHS |
$100 - $300 |
3.25% |
3.30% |
These DIVIDEND RATEs are subject to change at any time without prior notice. After your certificate is opened, the DIVIDEND RATE is fixed for the TERM. A penalty is imposed for early withdrawal. IRA withdrawals may be subject to a Federal early withdrawal penalty and Federal and State taxation.
DEPOSIT ACCOUNTS
| TYPE |
MINIMUM DEPOSIT |
DIVIDEND RATE |
APY* |
| SHARES |
$25 |
0.75% |
0.75% |
| TYPE |
MINIMUM DEPOSIT |
DIVIDEND RATE |
APY* |
| CLUB |
NONE |
0.75% |
0.75% |
| TYPE |
MINIMUM DEPOSIT |
DIVIDEND RATE |
APY* |
| SHARE DRAFT |
$25 |
00% |
00% |
| TYPE |
MINIMUM DEPOSIT |
DIVIDEND RATE |
APY* |
| TRADITIONAL IRA |
NONE |
0.75% |
0.75% |
| ROTH IRA |
NONE |
0.75% |
0.75% |
| COVERDEL ESA |
NONE |
0.75% |
0.75% |
*ANNUAL PERCENTAGE YIELD
IRA withdrawals may be subject to a Federal early withdrawal penalty and Federal and State taxation.
The following Loan Rates have an effective date of: April 4, 2008
REAL ESTATE LOANS
1ST MORTGAGE
| TERM |
POINTS |
RATE |
APR* |
| 15 YEARS |
0 |
5.75% |
5.766% |
| 15 YEARS |
1 |
5.625% |
5.796% |
| 15 YEARS |
2 |
5.50% |
5.828% |
| TERM |
POINTS |
RATE |
APR* |
| 30 YEARS |
0 |
6.25% |
6.259% |
| 30 YEARS |
1 |
6.125% |
6.229% |
| 30 YEARS |
2 |
6.00% |
6..199% |
2ND MORTGAGE AND FIXED HOME EQUITY
| TERM |
RATE |
APR* |
| 5 YEARS |
6.50% |
6.50% |
| 10 YEARS |
7.50% |
7.50% |
| 15 YEARS |
8.50% |
8.50% |
VARIABLE RATE HOME EQUITY
Rates vary for non-conforming loans. For details contact Lisa Violette, Mortgage Loan Officer.
Rates subject to change without notice.
*ANNUAL PERCENTAGE RATE
Auto & Business Loan Rates
*Effective April 16, 2008
| |
A+
750+ |
A
700-749 |
B
660-699 |
C
640-659 |
D
596-639 |
|
| NEW AUTOS |
| UP TO 60 MOS |
5.75% |
6.25% |
7.00% |
8.50% |
11.00% |
16.25% |
| 72 MOS. |
6.49% |
6.99% |
7.99% |
9.50% |
11.25% |
17.00% |
| USED AUTOS |
| UP TO 60 MOS |
6.50% |
7.00% |
8.00% |
9.50% |
11.50% |
15.50% |
| 72 MOS. |
7.49% |
7.99% |
8.50% |
10.50% |
12.50% |
18.00% |
| NON-REDBOOK VEHICLE |
| |
9.50% |
10.00% |
11.00% |
12.50% |
14.50% |
18.00% |
| MOTORCYCLES, BOATS, MOTORS, SNOWMOBILE, ATV'S, CAMPERS, RV'S ETC. |
| NEW |
| UP TO 60MOS |
6.75% |
7.00% |
8.00% |
9.50% |
12.25% |
16.75% |
| OVER 60 MOS |
7.50% |
7.75% |
8.50% |
9.75% |
13.00% |
17.25% |
| USED |
| UP TO 60 MOS |
7.00% |
7.25% |
8.25% |
9.75% |
12.50% |
17.00% |
| OVER 60 MOS |
7.75% |
8.00% |
8.99% |
10.50% |
17.50% |
18.00% |
| UNSECURED |
| |
12.50% |
13% |
14.00% |
15.50% |
17.50% |
18.00% |
| COMAKER |
| |
12% |
12.50% |
13.50% |
15% |
16.50% |
17.50% |
| COMPUTER |
| |
7.50% |
8.00% |
9% |
10.50% |
12.50% |
16% |
| MISC. EQUIPMENT (NON-BUSINESS) |
| 5 YRS |
9% |
9.50% |
10.50% |
12.00% |
14.00% |
16.00% |
| 6 YRS |
9.50% |
10.00% |
11% |
12.50% |
14.50% |
16.50% |
| 7 YRS |
10% |
10.50% |
11.50% |
13.00% |
15.00% |
17.00% |
| 8 YRS |
10.50% |
11.00% |
12% |
13.50% |
15.50% |
17.50% |
| 9 YRS |
11% |
11.50% |
12.50% |
14.00% |
16.00% |
18.00% |
| 10 YRS |
11.50% |
12.00% |
13% |
14.50% |
16.50% |
18.00% |
| SHARE SECURED |
| 3 YRS |
SHARE RATE PLUS 3% |
| 4 YRS |
SHARE RATE PLUS 4% |
| 5 YRS |
SHARE RATE PLUS 5% |
| CERT SECURED |
3% OVER CERT RATE |
| STOCK SECURED |
12% |
| OVERDRAFT PROTECTION |
16% |
| VISA CREDIT CARD |
11.90% |
| TUITION LOAN |
8% |
|
