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Loan and Credit Card Rates
(updated 10/01/2006)
All loan rates quoted as Annual Percentage Rate (APR) |
| Loan rates, which are subject to change without notice, may vary with respect to your credit history (i.e. Beacon Score), the model year of the vehicle and term of the loan.
|
| Type |
Model Year |
Term |
Rate (APR) as low as |
| New Auto |
|
36-42 Months |
5.00% |
| 43-54 Months |
5.50% |
| 55-66 Months |
6.00% |
| 67-72 Months |
6.00% |
| Used Auto |
2007 |
60-66 Months |
6.00% |
| 2006 |
60-66 Months |
6.50% |
| 2005 |
54-60 Months |
7.50% |
| 2004 |
48-54 Months |
7.50% |
| 2003 |
36 Months |
8.50% |
| 2002 |
36 Months |
8.50% |
| Visa |
|
9.90% |
| Secured Visa |
|
17.90% |
| MasterCard |
|
9.90% |
| Savings Secured |
|
3% above Dividend Rate |
| Certificate Loan |
|
3% above Dividend Rate |
| Unsecured |
|
17.90% |
Regular Savings, IRA Savings
& Club Accounts (updated 10/01/2006)
All rates quoted as Annual Percentage Yield (APY) |
| As of the last dividend declaration date, the Dividend Rate is shown below, with the corresponding Annual Percentage Yield (APY). The Dividend Rate and Annual Percentage Yield may change as indicated in our Truth-In-Savings Disclosure. |
| Account |
Average Daily Balance for the Quarter |
Dividend Frequency |
Dividend Rate |
APY |
| Regular Savings |
$00.00 to $50.00 |
Semi-Annually |
0.00% |
0.00% |
| $50.01 to $499.99 |
Semi-Annually |
0.25%* |
0.25%* |
| $500.00 to $2,499.99 |
Semi-Annually |
0.75%* |
0.75%* |
| $2,500.00 and over |
Semi-Annually |
0.75%* |
0.75%* |
| IRA Savings |
$50.01 to $499.99 |
Semi-Annually |
0.50%* |
0.50%* |
| $500.00 and over |
Semi-Annually |
1.00%* |
1.00%* |
| Holiday & Vacation Clubs |
$00.00 to $50.00 |
Semi-Annually |
0.00% |
0.00% |
| $50.01 to $499.99 |
Semi-Annually |
0.25%* |
0.25%* |
| $500.00 to $2,499.99 |
Semi-Annually |
0.75%* |
0.75%* |
| $2,500.00 and over |
Semi-Annually |
0.75%* |
0.75%* |
* These are the actual rates paid as of June 30, 2006.
Money Management Accounts
(updated 10/01/2006)
All rates quoted as Annual Percentage Yield (APY) |
| As of the last dividend declaration date, the Dividend Rate is shown below, with the corresponding Annual Percentage Yield (APY). The Dividend Rate and Annual Percentage Yield may change as indicated in our Truth-In-Savings Disclosure. |
| Account |
Minimum Average Balance |
Dividend Frequency |
Dividend Rate |
APY |
| Money Management Checking |
5,000.00 |
Monthly |
3.50% |
3.56% |
| Money Management Savings |
10,000.00 |
Monthly |
4.00% |
4.07% |
Regular and IRA Certificate Accounts
(updated 10/01/2006)
All rates quoted as Annual Percentage Yield (APY) |
| The Dividend Rate and corresponding Annual Percentage Yield (APY) on our Regular Certificates and Individual Retirement (IRA) certificates are reflected in the chart below. The Dividend Rate and APY were accurate as of the date indicated above and are subject to change without notice. |
| Term |
Minimum Balance |
Dividend Frequency |
Dividend Rate |
APY |
| 3 Months |
1,000.00 |
Monthly |
3.00% |
3.04% |
| 6 Months |
1,000.00 |
Monthly |
4.00% |
4.07% |
| 1 Year |
1,000.00 |
Monthly |
4.00% |
4.07% |
| 2 Years |
1,000.00 |
Monthly |
4.50% |
4.59% |
| 3 Years |
1,000.00 |
Monthly |
4.50% |
4.59% |
| 4 Years |
1,000.00 |
Monthly |
4.50% |
4.59% |
| 5 Years |
1,000.00 |
Monthly |
4.50% |
4.59% |
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