Rates
Rates effective March 1, 2010
RATE SPECIAL
IRA Term Share Accounts (Traditional IRA, Roth IRA, & Converted Roth IRA Accounts)
| 14 Month Special |
$500 |
2.53% |
2.55% |
Dividend rate fixed until maturity. Dividends compounded and paid quarterly. No IRA maintenance fees. Additional deposits are not permitted to IRA Term Share Accounts. Early withdrawal may result in IRS penalties and a loss of dividends.*APY = Annual Percentage Yield.
Share Savings Accounts
SHARE SAVINGS (Club Accounts, i.e., Christmas Club, Vacation Club)
Minimum daily balance of $25.00 required to earn dividends. Dividends compounded and paid quarterly. *APY = Annual Percentage Yield.
IRA SHARE SAVINGS (Traditional, Roth and Roth Conversion)
No minimum balance required to open. Minimum daily balance of $25.00 required to earn dividends. Dividends compounded and paid quarterly. *APY = Annual Percentage Yield.
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Accelerated Savings
| Accelerated Savings |
$25.00 to $1,000 |
4.88% |
4.99% |
| |
$1,000.01 and up |
0.25% |
0.25% |
Minimum daily balance of $25.00 required to earn dividends. Requires a monthly ACH transfer or deposit. Maximum balance $1,000.Dividends compounded and paid monthly. Rates are subject to change.*APY = Annual Percentage Yield.
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Checking Accounts
Extreme Checking
| Meet Qualifications |
$0 - $25,000.00 |
3.94% |
4.01%** |
| Meet Qualifications |
$25,000.00 - and up |
1.005% |
1.01% |
| Not Qualified |
$0 and up |
0.15% |
0.15% |
Qualifications per monthly cycle:
- Make 10 (ten) VISA® Check Card Purchases (excludes ATM transactions and online transfers)
- Enroll and access monthly electronic statements - valid email address is required
- Set up and receive one Direct Deposit or ACH (auto debit) from your account (This can include a Bill Pay transaction)
If you do not meet the requirements during any given cycle, you'll earn the base rate in dividends, and you'll still receive:
- No monthly service fees
- Earn 0.15% APY*
*APY = Annual Percentage Yield.
**Reward Rates 4.01% Annual Percentage Yield (APY) paid on the portion of the balance up to $25,000 if qualifications are met, and 1.01% APY paid on the portion of the balance above $25,000 if qualifications are met. If you do not meet the qualifications per monthly cycle, your account will earn a Base Rate of 0.15% APY; however, it will not receive ATM fee refunds for that time period. A monthly cycle means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Rates are subject to change. No minimum balance required. Available to personal accounts only. No monthly service charge. ATM fee refunds up to $21 per cycle, $3 limit per transaction when qualifications are met. If this is your first monthly cycle as an Extreme Checking member you will receive the appropriate reward rate on your balance from the date of enrollment and the disclosed ATM fee refunds that occurred on or after your enrollment date regardless of whether or not you met all of the requirements. Limit four (4) Extreme Checking accounts per member number.
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Share Draft Checking
| Checking (S8) |
0.00% |
0.00% |
N/A |
Dividends are compounded and paid quarterly. Rates are subject to change.*APY = Annual Percentage Yield.
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Rates effective March 1, 2010
Tiered Money Market Accounts
| Tier I |
$2,500 - $14,999.99 |
0.45% |
0.45% |
| Tier II |
$15,000 - $24,999.99 |
0.65% |
0.65% |
| Tier III |
$25,000 - $74,999.99 |
0.95% |
0.95% |
| Tier IV |
$75,000 - $99,999.99 |
1.14% |
1.15% |
| Tier V |
$100,000 & up |
1.39% |
1.40% |
Minimum deposit of $100. Minimum withdrawal $500; Limited to six (6) per month, no more than three may be by check. Minimum daily balance of $2,500 required to earn dividends. Dividends compounded and paid monthly. Rates are subject to change.*APY = Annual Percentage Yield.
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Ultra Money Market Account
| Ultra |
$100,000 & up |
1.59% |
1.60% |
| |
$2,500 - $99,999.99 |
0.25% |
0.25% |
Minimum daily balance of $100,000 required to earn dividends. Minimum deposit of $100. Minimum withdrawal $500; Limited to six (6) per month, no more than three may be by check. If a member drops below the minimum balance their funds will earn the current share savings rate. Dividends compounded and paid monthly. Rates are subject to change.*APY = Annual Percentage Yield.
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Certificate Accounts
Term Share Accounts
| |
$250-$49,999.99 |
$250-$49,999.99 |
$50,000-$99,999.99 |
$50,000-
$99,999.99 |
$100,000 + |
$100,000 + |
|
30-month Expandable |
1.98% |
2.05% |
2.13% |
2.15% |
2.23% |
2.25% |
Additional deposits permitted on the 30 month expandable Term Share Account only.
| |
$250-$49,999.99 |
$250-$49,999.99 |
$50,000-$99,999.99 |
$50,000-
$99,999.99 |
$100,000 + |
$100,000 + |
|
90-day |
0.70% |
0.70% |
0.85% |
0.85% |
0.95% |
0.95% |
|
6-month
|
0.95% |
0.95% |
1.10% |
1.10% |
1.20% |
1.21% |
|
12-month |
1.49% |
1.50% |
1.64% |
1.65% |
1.74% |
1.75% |
|
18-month |
1.59% |
1.60% |
1.74% |
1.75% |
1.84% |
1.85% |
|
24-month |
1.79% |
1.80% |
1.94% |
1.95% |
2.04% |
2.06% |
|
36-month |
2.13% |
2.15% |
2.28% |
2.30% |
2.38% |
2.40% |
|
48-month |
2.38% |
2.40% |
2.53% |
2.55% |
2.63% |
2.66% |
|
60-month |
2.97% |
3.00% |
3.12% |
3.16% |
3.22% |
3.26% |
|
24-month
(1 bump) |
1.54% |
1.55% |
1.69% |
1.70% |
1.79% |
1.80% |
|
36-month
(1 bump) |
1.89% |
1.90% |
2.04% |
2.06% |
2.14% |
2.16% |
|
48-month
(2 bumps) |
2.13% |
2.15% |
2.28% |
2.30% |
2.38% |
2.40% |
|
60-month
(2 bumps) |
2.72% |
2.75% |
2.87% |
2.90% |
2.97% |
3.00% |
Dividend rate fixed until maturity. Dividends compounded and paid quarterly. 90-Day Term Share Account dividends are paid at maturity. Early withdrawal may result in loss of dividends. Rates are subject to change.*APY = Annual Percentage Yield.
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IRAs
Traditional, Roth IRAs
| |
$250-$49,999.99 |
$250-$49,999.99 |
$50,000-$99,999.99 |
$50,000-
$99,999.99 |
$100,000 + |
$100,000 + |
|
90-day |
0.70% |
0.70% |
0.85% |
0.85% |
0.95% |
0.95% |
|
6-month
|
0.95% |
0.95% |
1.10% |
1.10% |
1.20% |
1.21% |
|
12-month |
1.49% |
1.50% |
1.64% |
1.65% |
1.74% |
1.75% |
|
18-month |
1.59% |
1.60% |
1.74% |
1.75% |
1.84% |
1.85% |
|
24-month |
1.79% |
1.80% |
1.94% |
1.95% |
2.04% |
2.06% |
|
36-month |
2.13% |
2.15% |
2.28% |
2.30% |
2.38% |
2.40% |
|
48-month |
2.38% |
2.40% |
2.53% |
2.55% |
2.63% |
2.66% |
|
60-month |
2.97% |
3.00% |
3.12% |
3.16% |
3.22% |
3.26% |
|
24-month
(1 bump) |
1.54% |
1.55% |
1.69% |
1.70% |
1.79% |
1.80% |
|
36-month
(1 bump) |
1.89% |
1.90% |
2.04% |
2.06% |
2.14% |
2.16% |
|
48-month
(2 bumps) |
2.13% |
2.15% |
2.28% |
2.30% |
2.38% |
2.40% |
|
60-month
(2 bumps) |
2.72% |
2.75% |
2.87% |
2.90% |
2.97% |
3.00% |
Dividend rate fixed until maturity. Dividends compounded and paid quarterly. No IRA maintenance fees. Additional deposits are not permitted to IRA Term Share Accounts. Early withdrawal from the IRA accounts may result tin IRS penalties and a loss of dividends. Rates are subject to change.*APY = Annual Percentage Yield.
Roth Conversion IRAs
| |
$250-$49,999.99 |
$250-$49,999.99 |
$50,000-$99,999.99 |
$50,000-
$99,999.99 |
$100,000 + |
$100,000 + |
|
90-day |
0.70% |
0.70% |
0.85% |
0.85% |
0.95% |
0.95% |
|
6-month
|
0.95% |
0.95% |
1.10% |
1.10% |
1.20% |
1.21% |
|
12-month |
1.49% |
1.50% |
1.64% |
1.65% |
1.74% |
1.75% |
|
18-month |
1.59% |
1.60% |
1.74% |
1.75% |
1.84% |
1.85% |
|
24-month |
1.79% |
1.80% |
1.94% |
1.95% |
2.04% |
2.06% |
|
36-month |
2.13% |
2.15% |
2.28% |
2.30% |
2.38% |
2.40% |
|
48-month |
2.38% |
2.40% |
2.53% |
2.55% |
2.63% |
2.66% |
|
60-month |
2.97% |
3.00% |
3.12% |
3.16% |
3.22% |
3.26% |
Dividend rate fixed until maturity. Dividends compounded and paid quarterly.No IRA maintenance fees. Additional deposits are not permitted to IRA Term Share Accounts. Early withdrawal from the IRA accounts may result tin IRS penalties and a loss of dividends. rates are subject to change.*APY = Annual Percentage Yield.
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Loans
Auto/Motorcycle
| 2005 or newer |
up to $25,000 |
up to 60 months*** |
5.50% APR* |
| 2005 or newer |
over $25,000 |
72 months*** |
5.75% APR* |
| 2004 or older** |
up to $25,000 |
up to 60 months*** |
5.75% APR* |
Rates are subject to change.*APR = Annual Percentage Rate.**Vehicles older than 1998 have a maximum term of 48 months.***Rate is dependent upon term, mileage and loan to value.
Recreational Vehicles
| 2005 or newer |
dependent upon term |
7.00% APR* |
| 2004 or older |
dependent upon term |
7.25% APR* |
Rates are subject to change.*APR = Annual Percentage Rate.
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Home Equity Loans
| Fixed Rate 2nd Mortgage |
5.50% APR* |
| Home Equity Line of Credit (HELOC) |
3.99% APR* |
Rates are dependent on loan to value. Rates are subject to change.*APR = Annual Percentage Rate.
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VISA Credit Cards
| VISA Platinum Fixed Credit Card |
9.90% fixed |
| VISA Platinum Rebate Credit Card |
15.12% fixed |
| VISA Platinum Rewards Credit Card |
Prime + 3% variable |
| * APR (Annual Percentage Rate) for purchases, cash advances, and balance transfers. Interest rates and card options vary based on member qualifications and VISA program. Your rate may be different based on individual credit worthiness and our underwriting standards. See VISA Terms and Conditions for full disclosure. |