Rates & Fees

Share Draft Checking Accounts

No monthly service charges,No minimum balance requirements andunlimited check writing privileges.

Investment Rates on Savings as of March 20, 2008

Savings Accounts

 $50 - $10,000$10,000 - $25,000$25,000 & Up
 RateAPYRateAPYRateAPY
* Share Savings0.25%0.25%0.30%0.30%0.35%0.35%
  • "APY" refers to Annual Percentage Yield
  • * $5.00 minimum required, interest compounded monthly on balances over $50

Money Market Accounts

 $50 - $500$500 - $1,500$1,500 - $10,000$10,000 and up
 RateAPYRateAPYRateAPYRateAPY
* Money Market0.25%0.25%0.50%0.50%1.25%1.26%2.50%2.53%
  • "APY" refers to Annual Percentage Yield
  • * New Minimum of $50 for Interest Bearing Money Market Account

Certificates of Deposits

We also offer Roth and Traditional IRAs* with Savings, Money Market and Certificate Rates

 Up to $50,000$50,000 - $100,000
 RateAPYRateAPY
6 Months3.00%3.04%3.05%3.09%
1 Year3.25%3.29%3.30%3.35%
18 Months3.30%3.35%3.35%3.40%
2 Years3.40%3.45%3.45%3.51%
3 Years3.50%3.56%3.55%3.61%
5 Years3.50%3.56%3.55%3.61%
  • Interest paid monthly, $500 minimum deposit
  • All deposits are federally insured up to$100,000 per account
  • Penalty for early withdrawal on CDs is 120 days of interest
  • * Our Roth IRA Account and Traditional IRA Account rates are .50% below the regular CD rate. There is a $10 annual fee per account.

Loan Rates as of March 20, 2008

New and Used Auto LoansAs low as 5.75%
Signature Loans & Co-Maker LoansRates starting at 11.49% depending on credit history
Home Equity Lines of CreditHome Equity Loans starting at 7.56%
Visa Cards13.50% with no annual fee
Home Loans30 Year 1st Mortgage rates as low as 6.125%
Share Secured Loans3.00% over the corresponding instrument
Overdraft Protection LoansCurrent Rate: 14.25%
  • (Rates subject to change)