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Effective December 31, 2009
Savings Calculator
Type Rate APY*
Share Accounts
Minimum Average Daily Balance
to earn APY is $50.00
.90% .91%
Christmas Club 0.75% 0.76%
Vacation Club 0.75% 0.76%
Share Certificate    
A penalty will apply for early withdrawl    
  6 month (minimum balance $1,000) 1.00% 1.01%
  1 year    (minimum balance $2,500) 1.25% 1.26%
  2 year    (minimum balance $5,000) 1.75% 1.77%


Effective December 31, 2009
Loan Calculator
Mortgage Calculator
Type Rate Term
Signature Loans
  
up to $  2,000
  up to $12,500

8.00%
As low as 9.00%

12 months
48 months
Share Signature Loans
  up to share balance

5.00%

120 months
All Vehicles Loans
*new vehicles only
100% of invoice including taxes & licensing

As low as 4.20%
As low as 4.20%
As low as 6.00% *

48 months
60 months
72 months
Home Improvement Loans
  up to $  8,000

As low as 9.00%

48 months
Mini Home Equity Loans
  up to $20,000

6.25%
6.75%

60 months
84 months
  • Secured by second mortgage on property
  • $75 non-refundable application fee
  • No closing costs
  • Fixed rate / Fixed amount & term
  • May be tax deductible
    Consult you tax advisor
Home Equity Loans

   
  up to $60,000 Prime (variable) 180 months
  (85% of equity less existing mtg.) 5.80% / fixed 120 months
  6.30% / fixed 180 months
  • Secured by second mortgage on property
  • Variable rate based on Prime & 0% as stated in Wall Street Journal, adjusted semi-annually
  • $150 non-refundable application fee
  • No closing costs
  • May be tax deductible
    Consult you tax advisor
**All Rates Subject to Change
* Annual Percentage Yield