Rates

Share/Savings Accounts

Club Accounts


Holiday Account 1.25 Div. Rate 1.25 APY *
    Funds disbursed November 1st

Share Accounts


Basic Shares 0.05 Div. Rate 0.05 APY *
    $25.00 up to $2000.00
Basic Shares 0.10 Div. Rate 0.10 APY *
    Balance over $2000.00

Share Certificate Accounts


Share Certificates Div. Rate APY *
    Call for current rates and terms

Share Draft Accounts


Share Draft/Checking 0 Div. Rate 0 APY *
Rates And Conditions Are Subject To Change Without Notice.
1.   APY= annual percentage yield.
2.   APR= annual percentage rate.
3.   Dividends are calculated on the average daily balance.
4.   No dividend is applied to any account closed prior to the posting date.

Loan Accounts

Vehicle Loans


New to 2011 5.49%-11.40% APR up to 72 months
  Rate is based on credit experience.
Used 2002-2010 6.90%-14.40% APR up to 72 months
  Rate is based on credit experience.
Used 2001 & older 8.00%-16.40% APR up to 60 months
  Rate is based on credit experience.

Recreational Vehicle Loans


New to 2011 6.00%-12.40% APR up to 120 months
  Rate is based on credit experience.
Used 2002-2010 6.40%-14.40% APR up to 120 months
  Rate is based on credit experience.
Used 2001 & older 8.00%-16.40% APR up to 72 months
  Rate is based on credit experience.

Credit Cards


VISA(R) Call us for rates! APR up to $10,000.00 limit
  Unsecured & secured

Personal Loans


Open-end 15.00% APR 24 months
Closed-end 18.00% APR 12 months
All loans subject to credit approval.  Rates may vary due to credit rating.

Fees & Disclosures

Deposit Account Fees


NSF/Account Negative Fee $20.00
Overdraft Protection Transfer Fee $3.00
Stop Payment Fee $25.00
Deposit Item Returned Fee $20.00

Loan Account Fees


Loan Application/Update Fee $18.00
Late Payment Fee $5.00 minimum to $50.00 maximum
Refinance Fee $35.00

Miscellaneous Fees


Wire Transfer Fee $20.00
Lost Credit/Debit Card Fee $25.00