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| Account Type |
Minimum Balance to Open Account and Obtain APY* |
Interest Rate |
APY* |
| Gold Club Checking |
$100 |
.30% |
.30% |
| NOW Checking |
$750 |
.30% |
.30% |
| Savings |
$200 |
.52% |
.52% |
| Beginning Savings |
$10 |
.52% |
.52% |
Rewards Checking
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*Rates subject to change.
Fees may reduce earnings of the account daily balance.
*APY=Annual Percentage Yield
| Money Market |
Minimum Balance to Open Account and Obtain APY* |
Interest Rate |
APY* |
| Tier 1 |
$50,000 |
2.13% |
2.15% |
| Tier 2 |
$25,000 |
1.72% |
1.73% |
| Tier 3 |
$1,000 |
1.01% |
1.01% |
*Rates subject to change.
Fees may reduce earnings of the account daily balance.
*APY=Annual Percentage Yield
| IRAs |
Minimum Balance to Open Account and Obtain APY* |
Interest Rate |
APY* |
| 12 Month |
$500 |
2.21% |
2.21% |
| 18 Month |
$500 |
2.40% |
2.42% |
| 30 Month |
$500 |
2.71% |
2.74% |
*Rates subject to change.
Fees may reduce earnings of the account daily balance.
There is a penalty for early withdrawal.
*APY=Annual Percentage Yield
| Certificates of Deposit |
Minimum Balance to Open Account and Obtain APY* |
Interest Rate |
APY* |
| 24 month |
$25,000 |
3.00% |
3.03% |
*Rates subject to change.
Fees may reduce earnings of the account daily balance.
There is a penalty for early withdrawal.
*APY=Annual Percentage Yield
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Based on owner-occupied $150,000 loan with 20% down payment
APR = Annual Percentage Rate. Rates and terms subject to change.
Normal underwriting guidelines apply. Borrower pays all closing costs.
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| Product |
Interest Rate |
APR* |
30 Year Fixed Rate
30 Day Rate Lock / 0 points |
5.875% |
5.929% |
20 Year Fixed Rate
30 Day Rate Lock / 0 points |
5.750% |
5.821% |
15 Year Fixed Rate
30 Day Rate Lock / 0 points |
5.375% |
5.464% |
Rates subject to change.
Disclosure
*APR=Annual Percentage Rate
| Product |
Interest Rate |
APR* |
| Home Construction Loan |
6.00% |
6.29% |
Rates subject to change.
Disclosure
*APR=Annual Percentage Rate
| Product |
Interest Rate |
APR* |
| Land Purchase Loan |
7.38% |
7.48% |
Rates subject to change.
Disclosure
*APR=Annual Percentage Rate
| Product |
Interest Rate |
APR* |
Home Equity Loan
<80% Loan-to-Value Ratio (LTV) |
7.00% |
7.056% |
Home Equity Loan
<90% LTV |
7.25% |
7.306% |
Home Equity Loan
<95% LTV |
7.63% |
7.782% |
Rates subject to change.
Disclosure
*APR=Annual Percentage Rate
| Product |
Interest Rate |
APR* |
| Home Equity Line of Credit (HELOC) <80% Loan-to-Value Ratio (LTV) |
7.375% variable |
7.375% variable |
| HELOC <90% LTV |
7.50% variable |
7.50% variable |
| HELOC <95% LTV |
7.625% variable |
7.625% variable |
Rates subject to change.
Disclosure
*APR=Annual Percentage Rate
| Product |
Interest Rate |
APR* |
| Vehicle 2003-2007 |
7.38% |
7.639% |
| Vehicle 1999-2002 |
7.63% |
7.890% |
| Vehicle 1998 & Older |
7.88% |
8.261% |
Rates subject to change.
Disclosure
*APR=Annual Percentage Rate
| Product |
Interest Rate |
APR* |
| Personal Loan |
11.75% |
15.880% |
Rates subject to change.
Disclosure
*APR=Annual Percentage Rate
| Plan Option |
Retail Purchase |
Cash Advance |
| Annual Percentage Rate |
14.90% |
18.90% |
| Grace Period for Repayment of the balances for purchases |
25 days |
None |
| Minimum Monthly Payment |
3% of the average daily balance or $10.00 whichever is greater |
3% of the average daily balance or $10.00 whichever is greater |
| Method for Computing the balance for purchases |
Average daily balance excluding new purchases |
Actual Daily Balance |
| Annual Fee |
None |
None |
| Late Payment Fee |
$25.00 |
$25.00 |
| Overlimit Fee |
$25.00 |
$25.00 |
| Cash Advance Fee |
N/A |
$5.00 |
| Return Check fee |
$25.00 |
$25.00 |
Rates subject to change.
Disclosure
*APR=Annual Percentage Rate
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