|
CURRENT DIVIDEND RATES:
SHARE AND IRA CERTIFICATES
| TERM |
MINIMUM DEPOSIT |
DIVIDEND RATE |
APY* |
| 6 MONTHS |
$500 |
1.00% |
1.00% |
| 12 MONTHS |
$500 |
1.25% |
1.26% |
| 18 MONTHS |
$500 |
1.25% |
1.26% |
| 24 MONTHS |
$500 |
1.50% |
1.51% |
| 36 MONTHS |
$500 |
2.00% |
2.02% |
MONTY MOOSE AND YOUTH ACCOUNT CERTIFICATES
| TERM |
MINIMUM DEPOSIT |
DIVIDEND RATE |
APY* |
| 6 MONTHS |
$100 - $300 |
1.00% |
1.00% |
| 12 MONTHS |
$100 - $300 |
1.25% |
1.26% |
| 18 MONTHS |
$100 - $300 |
1.25% |
1.26% |
| 24 MONTHS |
$100 - $300 |
1.50% |
1.51% |
| 36 MONTHS |
$100 - $300 |
2.00% |
2.02%
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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 |
0.25% |
0.25% |
| TYPE |
MINIMUM DEPOSIT |
DIVIDEND RATE |
APY* |
| CLUB |
NONE |
0.25% |
0.25% |
| TYPE |
MINIMUM DEPOSIT |
DIVIDEND RATE |
APY* |
| SHARE DRAFT |
NONE |
00% |
00% |
| TYPE |
MINIMUM DEPOSIT |
DIVIDEND RATE |
APY* |
| TRADITIONAL IRA |
NONE |
0.25% |
0.25% |
| ROTH IRA |
NONE |
0.25% |
0.25% |
| COVERDEL ESA |
NONE |
0.25% |
0.25% |
*ANNUAL PERCENTAGE YIELD
IRA withdrawals may be subject to a Federal early withdrawal penalty and Federal and State taxation.
Current Loan Rates:
REAL ESTATE LOANS
1ST MORTGAGE
| TERM |
POINTS |
RATE |
APR* |
| 15 YEARS |
0 |
4.75% |
4.808% |
| 15 YEARS |
1 |
4.625% |
4.833% |
| 15 YEARS |
2 |
4.50% |
4.860% |
| TERM |
POINTS |
RATE |
APR* |
| 30 YEARS |
0 |
5.50% |
5.540% |
| 30 YEARS |
1 |
5.375% |
5.515% |
| 30 YEARS |
2 |
5.25% |
5.470% |
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
| RATE is prime plus 0% with a floor of 4.25%. |
Rates vary for non-conforming loans. Add 1% to above rates for
manufactured homes.
For details contact Lisa Violette, Mortgage Loan Officer.
Rates subject to change without notice.
*ANNUAL PERCENTAGE RATE
Mobile Home/Without Land up to 12 Yrs @ 10% Interest Rate 20% Down Payment Required
Auto
| |
A+
750+ |
A
700-749 |
B
660-699 |
C
640-659 |
D
596-639 |
Higher Risk |
| NEW AUTOS |
| UP TO 60 MOS |
4.50% |
5.00% |
5.75% |
7.25% |
9.75% |
14.50% |
| 72 MOS. |
5.24% |
5.74% |
6.74% |
8.25% |
10.00% |
15.75% |
| USED AUTOS |
| UP TO 60 MOS |
5.50% |
6.00% |
7.00% |
8.50% |
10.50% |
15.00% |
| 72 MOS. |
6.49% |
6.99% |
7.50% |
9.50% |
11.50% |
17.00% |
| NON-REDBOOK VEHICLE |
| Any Vehicle 9 Years and Older |
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 |
5.00% |
5.50% |
6.25% |
7.75% |
10.25% |
14.75% |
| OVER 60 MOS |
5.74% |
6.24% |
7.24% |
8.75% |
10.50% |
16.25% |
| USED |
| UP TO 60 MOS |
6.00% |
6.50% |
7.50% |
9.00% |
11.00% |
15.75% |
| OVER 60 MOS |
6.99% |
7.49% |
8.00% |
10.00% |
12.00% |
17.50% |
| UNSECURED |
| |
12.50% |
13% |
14.00% |
15.50% |
17.50% |
18.00% |
| COMAKER |
| |
12% |
12.50% |
13.50% |
15.00% |
16.50% |
17.50% |
| COMPUTER |
| |
7.50% |
8.00% |
9.00% |
10.50% |
12.50% |
16.00% |
| 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
Over 6 YRS |
SHARE RATE PLUS 5%
SHARE RATE PLUS 6% |
| CERT SECURED |
3% OVER CERT RATE |
| STOCK SECURED |
12% |
| OVERDRAFT PROTECTION |
16% |
| VISA CREDIT CARD |
11.90% |
| TUITION LOAN |
8% |
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