Rates
Deposit Rates
Rates as of February 1, 2012 and subject to change.
All Dividends are paid quarterly unless otherwise noted.
Money Market
|
| Balances |
Dividend Rate |
APY* |
| $0 – $2,499.00 |
0.00% |
0.00% |
| $2,500 – $9,999.99 |
0.19% |
0.19% |
| $10,000 – $24,999.99 |
0.24% |
0.24% |
| $25,000 – $49,999.99 |
0.29% |
0.29% |
| $50,000 – $99,999.99 |
0.34% |
0.34% |
| $100,000 -$249,999.99 |
0.34% |
0.34% |
| $250,000 and over |
0.34% |
0.34% |
Individual Retirement Share Account
|
| Balances |
Dividend Rate |
APY* |
| $0 – $24.99 |
0.00% |
0.00% |
| $25.00 – $4,999.99 |
0.24% |
0.24% |
| $5,000 – 9,999.99 |
0.29% |
0.29% |
| $10,000 – $24,999.99 |
0.34% |
0.34% |
| $25,000 – $49,999.99 |
0.34% |
0.34% |
| $50,000 and over |
0.34% |
0.34% |
Share/IRA Certificate Accounts**
|
| Term |
Minimum Deposit $500 |
Minimum Deposit $5,000 |
| |
Rate |
APY* |
Rate |
APY* |
| 90 days |
0.35% |
0.35% |
0.35% |
0.35% |
| 6 months |
0.45% |
0.45% |
0.45% |
0.45% |
| 12 months |
0.55% |
0.55% |
0.55% |
0.55% |
| 18 months |
0.75% |
0.75% |
0.75% |
0.75% |
| 24 months |
0.96% |
0.96% |
0.96% |
0.96% |
| 36 months |
1.20% |
1.20% |
1.20% |
1.20% |
| 48 months |
1.45% |
1.45% |
1.45% |
1.45% |
| 60 months |
1.95% |
1.95% |
1.95% |
1.95% |
Minor’s Certificates
|
| Same Rate as $500 Certificate Account |
Minimum Deposit $250.00 |
Share Savings
|
Regular, Senior, Business & Trusts |
| Balances |
Dividend Rate |
APY* |
| $500 – $2,499.99 |
0.05% |
0.05% |
| $2,500 – $9,999.99 |
0.10% |
0.10% |
| $10,000 – $24,999.99 |
0.25% |
0.25% |
| $25,000 – $49,999.99 |
0.30% |
0.30% |
| $50,000 and over |
0.30% |
0.30% |
Share Savings
|
Minor, Teen, Custodial, and Hancock Saves |
| Balances |
Dividend Rate |
APY* |
| $0.00 – $2,499.99 |
0.05% |
0.05% |
| $2,500 – $9,999.99 |
0.10% |
0.10% |
| $10,000 – $24,999.99 |
0.25% |
0.25% |
| $25,000 – $49,999.99 |
0.30% |
0.30% |
| $50,000 and over |
0.30% |
0.30% |
Club Accounts
|
Christmas, Vacation & Special |
| Balances |
Dividend Rate |
APY* |
| $100 – $2,499.99 |
0.05% |
0.05% |
| $2,500 – $9,999.99 |
0.10% |
0.10% |
| $10,000 – $24,999.99 |
0.20% |
0.20% |
| $25,000 – $49,999.99 |
0.25% |
0.25% |
| $50,000 and over |
0.30% |
0.30% |
Cruisin 55 Checking
|
| Balances |
Dividend Rate |
APY* |
| $0 – $499.99 |
0.00% |
0.00% |
| $500 and over |
0.10% |
0.10% |
*APY= Annual Percentage Yield
**Early Withdrawal penalties:
If the Certificate is less than 12 months, a 90 day dividend penalty will be imposed.
If the Certificate is greater than 12 months, a 180 day dividend penalty will be imposed.
Loan Rates
(Rates subject to Credit Qualification, Model Year and Term of Loan.)
Rates as of February 1, 2012 and subject to change.
Auto Loans
|
Call 419.422.5626 for longer term rates |
| Model Year |
Rate (APR**) |
Term |
| 2011-2010 New Vehicles |
As low as 3.75% |
up to 60 months |
| 2010 Used Vehicles |
As low as 4.50% |
up to 60 months |
| 2009 Used Vehicles |
As low as 4.75% |
up to 60 months |
| 2008 Used Vehicles |
As low as 5.00% |
up to 54 months |
| 2007-2006 Used Vehicles |
As low as 5.50% |
up to 48 months |
| 2005-2004 Used Vehicles |
As low as 7.75% |
up to 48 months |
| 2003 & Older |
As low as 8.25% |
up to 36 months |
Motorcycles
|
| Model Year |
Rate (APR**) |
Term |
| All Model Years |
As low as 3.75% |
up to 72 months |
| Rates are based on |
credit score |
|
Recreational Vehicles
|
| Model Year |
Rate (APR**) |
Term |
| All Model Years |
As low as 6.00% |
up to 120 months |
| Rates are based on |
credit score |
|
Home Equity Line of Credit
|
| Loan to Value |
Rate (Floor Rate is 4.00%APR**)(maximum interest rate is 18.00% APR**) |
Term |
| up to 70% LTV |
4.00% Prime Rate -0.5 |
up to 240 months |
| up to 80% LTV |
4.00% Prime Rate +0 |
up to 240 months |
Signature Loans
|
| Rate (APR**) |
Term |
| As low as 12.25% |
up to 48 months |
Share Secured
|
| Rate (APR**) |
Term |
| Equal to Prime Lending Rate |
with a floor rate of 4% |
Visa Credit Cards
|
| Type |
Rate (APR**) |
| Classic |
15.9% |
| Platinum |
10.9% |
**APR= Annual Percentage Rate
