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 Effective 2/1/2012 Savings and Checking Accounts: | APR | APY | Regular Savings | .10% | .10% | Regular Checking Account | .00% | .00% | Business Checking Account (Minimum balance of $2,500) | .15% | .15% | Individual Retirement Account | .25% | .25% | Money Market Savings and Checking: - Balance $2,500 - $24,999
- Balance $25,000 and over
| .30% .50% | .30% .50% |
Savings Certificates of Depositand IRA Certificates of Deposit: Minimum Balance | 6 MONTH APR | 12 MONTH APR | 18 MONTH APR | $500 - $4,999 | .40% | .50% | .70% | $5,000 - $9,999 | .40% | .50% | .70% | $10,000 and over | .40% | .50% | .70% |
Minimum Balance | 2 YEAR APR | 3 YEAR APR | 4 YEAR APR | $500 - $4,999 | .80% | 1.20% | 1.50% | $5,000 - $9,999 | .80% | 1.20% | 1.50% | $10,000 and over | .80% | 1.20% | 1.50% |
* APR = Annual Percentage Rate; APY = Annual Percentage Yield based on quarterly compounding of interest. **For balances over $2,500. Rates may be changed without notice. Loan Rates: Loan Type | 800+ | 799 - 780 | 779 - 760 | 759 - 740 | 739 - 720 | 719 - 700 | *Auto | 2.99% | 2.99% | 2.99% | 3.19% | 3.39% | 4.99% | Motorcycle/RV | 3.99% | 4.09% | 4.09% | 4.44% | 4.99% | 5.99% | Home Equity | 4.50% | 4.50% | 4.50% | 4.50% | 5.00% | 5.25% | Unsecured | 8.00% | 8.00% | 8.00% | 8.00% | 8.00% | 10.00% |
Loan Type | 699-680 | 679-660 | 659-640 | 639-600 | < 600 | Max. Term | *Auto | 5.99% | 7.49% | 8.49% | 9.49% | 15.99% | 72 months | Motorcycle/RV | 6.99% | 9.49% | 10.49% | 11.49% | N/A | 72 months | Home Equity | 5.50% | 8.00% | 8.50% | 14.00% | 18.00% | 96 months | Unsecured | 11.00% | 12.00% | 13.00% | 18.00% | N/A | 36 months |
*Auto Loan Interest Rate Discounts and Add-Ons: Discounts | Add-Ons | - .10 for terms 48 months or less | + .25 for terms 61-72 months | - .25 for less than 70% loan-to-value | + .50 for model years 2005 and older | | + .50 for each extra 10% LTV up to 120% maximum |
Term Limits: - Towable trailers – Maximum term = 72 months.
- Truck campers, boats and off-road vehicles – Maximum term = 60 months.
- All vehicle model years 2005 and older are limited to a 36-month term.
- Home equity loan term of 96 months available only for balances of $40,000 or more.
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