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Interest 
Rates

 
Certificate of Deposit
Money Market Investment
Health Savings Accounts
Savings
Loans
Consumer Credit Cards
Certificate of Deposit
Fixed Rate Yield IRA Option
Minimum
Rates
APY*
3 Month  
$1,000
1.99%
2.00%
6 Month  
$1,000
1.99%
2.00%
12 Month
ü
$1,000
2.20%
2.20%
15 Month One Up  
$5,000
2.30%
2.30%
15 Month Add On  
$2,500
2.30%
2.30%
18 Month  
$500
2.35%
2.35%
24 Month
ü
$500
2.40%
2.40%
36 Month
ü
$500
2.50%
2.50%
48 Month  
$500
2.50%
2.50%
60 Month
ü
$500
2.50%
2.50%
Variable Rate        
21 Month Add On
ü
$1,000
2.40%
2.40%
$ for Scholars - 36 Month
 
$300
2.50%
2.50%

 

($50 Minimum add-on amount for Dollars for Scholars, $500 minimum add-on for all other add-on products)

Money Market Investment
$1,000-$14,999
0.75%
0.75%
$15,000-$24,999
.99%
1.00%
$25,000-$49,999
1.24%
1.25%
$50,000-$99,999
1.54%
1.55%

$100,000 and over
1.98%
2.00%

 

Health Savings Accounts
$0 - $4,999 1.24% 1.25%
$5,000 - $9,999 1.48% 1.50%
$10,000 - $49,999 1.73% 1.75%
$50,000 and over 2.48% 2.50%

  

Checking
Personal Interest Bearing, Non-Profit, & Public Funds
To $2,500
0.10%
0.10%
$2,500 and over
0.15%
0.15%

 

IRAs
To $500
0.25%
0.25%
$500-$999
0.50%
0.50%
$1,000-$9,999
1.00%
1.00%
$10,000-$24,999
1.74%
1.75%
$25,000 and over
1.99%
2.00%

 

Savings
Regular Savings
0.15%
0.15%

First-Step & Step-Up  ($100 and over)
0.40%
 0.40%
Holiday Savings
1.50%
1.50%

 

*Annual Percentage Yield

A penalty will be imposed for early withdrawal. Fees could reduce the earnings on an account.

Loans
Long-Term Fixed Rate Mortgages
Term
Rates
APR
Monthly Payment

 
15 Year
5.750%
5.769%
$1660.82

 
20 Year
6.000%
6.016%
$1432.86

 
30 Year
6.125%
6.137%
$1215.22


Annual percentage rates (APR) based on $200,000 loan and a 20% down payment.  $250 administration fee applies.  Loan terms are based on a 15, 20 or 30-year amortization as indicated. APRs effective on date posted. Rate subject to change. Subject to credit approval. Property insurance required on all collateral.

Monthly Balloon Mortgages
Term
Rates
APR
Monthly Payment

 
1 Year
5.250%
5.860%
$1104.41

 
2 Year
5.500%
5.816%
$1135.58

 
3 Year
5.750%
5.968%
$1167.15


Annual percentage rates (APR) based on $200,000 loan, 1/2 point and a 20% down payment. 1-year annual percentage rate (APR) based on a final balloon payment of $198,284.29. 2-year APR based on a final balloon payment of $195,595.21. 3-year APR based on a final balloon payment of $192,983.76.  $175 administration fee applies.  Loan terms are based on a 30-year amortization. Lender is under no obligation to renew final payments at maturity. APR's effective on date posted. Rate subject to change. Subject to credit approval. Property insurance required on all collateral.

Peace of Mind Construction Loan
Option
Term
Rates
Loan Costs
APR

A
9 Months
4.900%
1/2
point
6.792%

B
9 Months
5.900%
$350.00
6.882%

C
6 Months
3.900%
1/2
point
6.690%


Construction loan annual percentage rate (APR) calculation assumes a $200,000 loan for the term indicated. $350 administration fee applies.  Option A includes interest only monthly payments of $558.34 a final balloon payment of $200,558.34. Option B includes interest only monthly payments of $569.45and a final balloon payment of $200,569.45. Option C includes interest only monthly payments of $550.00 a final balloon payment of $200,550.00. (The interest payments are figured on total $200,000.00 draw.) Lender is under no obligation to renew final payments at maturity. APR effective on date posted. Rate subject to change. Subject to credit approval. Property insurance required on all collateral.

Lot Loan
Term
Rates
APR

 
1 Year
5.000%
5.877%

 

Annual percentage rate (APR) shown is based on a $50,000 loan, 1/2 point and a 10% down payment to qualified buyers.  The rate is valid for 12 months from the date of closing.  $175 administrative fee applies. 11 monthly interest only payments of $208.33.  Final payment of $50,208.33.  Lender is under no obligation to renew final payment at maturity.  APR effective on date posted.  Rate subject to change.  Subject to credit approval.  

Rates are subject to change without notice. Rates effective as of May 13, 2008.

Consumer Credit Cards
VISA/MasterCard rates are prime + 5.9% Annual Percentage Rate

Please visit a lender for more information about our loan rates. E-mail us or visit any location today for current rates and more information about our investments.