Rates

Effective 11/10/11

Rate disclosed is lowest possible rate and may be higher depending on current or past credit history. Loans are subject to membership eligibility, credit approval and application. APR denotes Annual Percentage Rate.

Members who choose 2 of the 3 products may qualify for a .50% discount on loans.
Home Equity Loans, Mortgages and Visa Cards are exempted.

New Automobile Loans - up to 110% OF MSRP

 

Term	APR As Low As
1 - 5 Years	4.50%
6 Years	5.00%
7 Years	5.50%

 

Used Automobile/Motorcycle Loans 

Model Year	APR As Low As
2010-2008	4.50%
2010-2008 over $15,000	5.00%
2007-2003	5.25%
2002 & Older	5.25%

• Classic Vehicles - 90% appraised value Purchase Vehicle - AS LOW AS 8.75%
• Collateral Loan - AS LOW AS 9.25%
• $6,000 and over can be financed for 5 years
  

Boat/Recreational Loans

• Rate disclosed is lowest possible rate and may be higher depending on current or past credit history. Loans are subject to membership eligibility, credit approval and application. APR denotes Annual Percentage Rate.

Loan Type	Amount	Term	APR As Low As
New Boat/Recreational - $50,000 Max	up to $10,000 up to $25,000 greater than $25,000	60 Months 84 Months 120 Months	7.25% 7.25% 7.50%
Used Boat/Recreational - $50,000 Max	up to $10,000 up to $25,000 greater than $25,000	60 Months 84 Months 120 Months	8.75% 8.75% 9.00%
Lawn Tractors/ Enclosed Hauling Trailers	$4,000 Maximum	36 Months	15.00%

 

Signature/Personal Loans

• Rate disclosed is lowest possible rate and may be higher depending on current or past credit history. Loans are subject to membership eligibility, credit approval and application. APR denotes Annual Percentage Rate.

Amount	Term	APR As Low As
$1,000 or less $1,001 - $1,500 $1,501 - $2,000 $2,001 - $4,000 $4,001 - $6,000	12 Months 18 Months 24 Months 36 Months 48 Months	11.00%

 

Fixed Rate Home Equity Loans

• Rate disclosed is lowest possible rate and may be higher depending on current or past credit history. Loans are subject to membership eligibility, credit approval and application. APR denotes Annual Percentage Rate.
  

 

Amount	Term	APR As Low As
up to $150,000	up to 180 months		Call 419-865-4933 for rates

            Variable Rate lines of credit also available which is based on the prime rate disclosed in the Wall Street Journal,     adjusted semi-annually

• Home Equity Loans are based on 75% to 90% of the appraised value minus 1st mortgage (depending on credit score).
• Call for current rate 419-865-4933

 

Investment Accounts

• Rates are expressed in Annual Percentage Yields (APY*)
• Dividends cannot be paid in excess of earnings
• Certificates require a $1000 minimum balance
• $100 minimum balance required to earn dividends on Shares and Christmas Club
• $10,000 minimum balance required on High Yield Club Account
• $500 minimum balance required on IRA Shares
• Fees could reduce the earnings on these accounts
• A penalty will or may be imposed for ealy withdrawal on share certificates
• Share account rates may change quarterly as directed by the Board of Directors

 

Investment Type	Dividend Rate	APY*
Shares	.15%	.15%
Christmas Club	.07%	.07%
IRA Shares	.50%	.50%
Money Market Account (tiered rates)
$5k-$9,999	.20%	.20%
$10k-$49,999	.30%	.50%
$50k-$99,999	.40%	.40%
$100k-$149,999	.70%	.70%
$150k - $249,999	.70%	.70%
$250K - $499,999 $500K +	1.00%     1.24%	1.00% 1.25%
6 Month Share Certificate	..25%	..25%
12 Month Share Certificate	.35%	.35%
24 Month Share Certificate	.70%	.70%
36 Month Share Certificate	1.24%	1.25%
48 Month Share Certificate	1.74%	1.75%

 

Investments Rates are accurate as of 2/01/12