INTEREST RATES AND ANNUAL PERCENTAGE YIELDS

 

ANNUAL PERCENTAGE YIELD (APY): The percentage, required by Truth in Savings regulations, to be disclosed on interest-bearing deposit accounts that reflects the total interest to be earned based on an institution’s compounding method, assuming funds remain in the account for a 365-day year.

(All rates are subject to change)

CERTIFICATE OF DEPOSIT

 

TERM COMPOUND RATE CD's APY
3 Month Quarterly 0.10% 0.10%
6 Month Semi-Annual 0.15% 0.15%
12 Month Semi-Annual 0.25% 0.25%
18 Month Semi-Annual 0.30% 0.30%
24 Month Semi-Annual 0.40% 0.40%
30 Month Semi-Annual 0.45% 0.45%
36 Month Semi-Annual 0.50% 0.50%
48 Month Semi-Annual 0.75% 0.75%
60 Month Semi-Annual 0.90% 0.90%
Effective Date: March 5, 2013

A penalty may be charged for early withdrawal.

 

IRA (Individual Retirement Arrangement) ACCOUNT

 

TERM COMPOUND RATE IRA's APY
3 Month Daily 0.10% 0.10%
6 Month Daily 0.15% 0.15%
12 Month Daily 0.25% 0.25%
18 Month Daily 0.30% 0.30%
24 Month Daily 0.40% 0.40%
30 Month Daily 0.45% 0.45%
36 Month Daily 0.50% 0.50%
48 Month Daily 0.75% 0.75%
60 Month Daily 0.90% 0.90%
Effective Date: March 5, 2013

A penalty may be charged for early withdrawal.

INTEREST BEARING ACCOUNT

 

ACCOUNT COMPOUND RATE APY
NOW ** Monthly 0.05% 0.05%
MMDA ** Monthly 0.10% 0.10%
FREEDOM 55 Monthly 0.05% 0.05%
PASSBOOK Daily 0.10% 0.10%
CHRISTMAS CLUB Daily 0.25% 0.25%
Effective date: March 5, 2013
** Average balance of $1,000 for each account.
NOW has monthly service chg if average balance is below $1,000
MMDA has $1.00 charge per withdrawal


AUTOMOTIVE FINANCE RATES & TERMS

 

MODEL / YEAR 24 MONTHS 36 MONTHS 48 MONTHS 60 MONTHS
2013 OR New 2012 5.50% 5.50% 5.50% 6.00%
2011 & 2010 6.50% 6.50% 6.50% N/A
2009 7.00% 7.00% 7.00% N/A
2008 & Older 7.50% 7.50% N/A N/A
Effective Date: February 14, 2013

CONTACT US FOR RATES & MORE INFORMATION ON:

  • ADJUSTABLE RATE MORTGAGES
  • FIXED RATE MORTGAGE
  • PERSONAL SECURED LOANS
  • PERSONAL UNSECURED LOANS

EACH DEPOSITOR INSURED TO AT LEAST $250,000.00.