Rates



Loan and Savings Rates For April 2008

LOANS

New Cars
APR Rate
24 Months
3.90%
36 Months
4.90%
48 Months
4.90%
60 Months
4.90%
72 Months
6.90%
Used Cars
APR Rate
2008-2009 Up to 60 months
4.90%
2005-2007 Up to 60 months
5.25%
2001-2004 up to 60 months
6.90%
1998-2000 up to 60 months
8.90%
1996-1997 up to 60 months
9.25%
1995 & older up to 48 months
10.90%
Boats
APR Rate
New Boat up to 72 months
12.00%
1 year old up to 60 months
12.50%
2 years & older up to 48 months
13.00%
Motorcycles & 4 Wheelers
APR Rate
New Motorcycle up to 48 months
10.75%
1 year old up to 36 months
11.25%
2 years & older up to 24 months
12.75%
Mobile Homes
APR Rate
New Mobile Homes up to 10 years
11.75%
1 to 2 years old up to 10 years
13.50%
3 to 6 years old up to 7 years
14.25%
7 years and older up to 5 years
15.75%
Motorhomes & RV's
APR Rate
New RV's up to 120 months
6.90%
1 year old up to 96 months
6.90%
2 year old up to 84 months
7.50%
3 year old up to 72 months
7.75%
4 years & older up to 60 months
7.75%
Travel Trailers, 5th Wheels & Truck Campers
APR Rate
New Trailers up to 84 months
10.50%
1 year old up to 72 months
11.25%
2 year old up to 60 months
12.00%
3 years & older up to 60 months
12.50%
Computers and Miscellaneous Collateral
12 months to 36 months
13.25%
Share Pledge Loans (Loan secured by savings account)
APR Rate
12 months to 180 months
3.75%
Unsecured Loans
APR Rate
12 months to 42 months
18.00%
Real Estate Loans
APR Rate
First Mortgages
6.50%
Proceeds used for home improvements
6.50%
Proceeds used for other purposes
6.50%

Accounts

Savings
Effective Rate
APY
$5.00 and above
.75%
.75%
Checking
Effective Rate
APY
$500.00 to $999.99
.50%
.50%
$1,000.00 to $2,499.99
.75%
.75%
$2,500.00 to $9,999.99
1.49%
1.50%
$10,000.00 and above
1.74%
1.75%
Certificate of Deposit ($500 minimum for certificates)
Effective Rate
APY
3 months
2.08%
2.10%
6 months
2.73%
2.75%
9 months
3.83%
3.85%
12 months
3.25%
3.25%
24 months
3.25%
3.30%
36 months
3.35%
3.40%
60 months
3.54%
3.60%

(rates are subject to change without notice)