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Savings Rates

CDs -Earning fixed rates of return, managing your financial risk.

CD Rates As High As**
CD Rate APY*
6 Month
$5,000 Minimum		 0.449% 0.450%
12 Month
$500 Minimum		 0.549% 0.550%
24 Month
$500 Minimum		 0.849% 0.850%
36 Month
$500 Minimum		 1.245% 1.250%
48 Month
$500 Minimum		 1.643% 1.650%
60 Month
$500 Minimum		 1.743% 1.750%
Savings Rates
Savings Rate APY
$1 - $999 .05% .05%
$1,000 - $9,999 .10% .10%
$10,000+ .15% .15%
Clubs Rate APY
Vacation Club .15% .15%
Christmas Club .15% .15%
Summer Savings .35% .35%
Money Market Checking Rate APY
$1 - $2,499 .15% .15%
$2,500 - $24,999 .20% .20%
$25,000 -$99,999 .30% .30%
$100,000+ .40% .40%
Business Checking Rate APY
$100,000+ .55% .55%
Non-Profit Checking Rate APY
$1 - $24,999 .05% .05%
$25,000 - $99,999 .25% .25%
$100,000+ .40% .40%
Other Savings Rate APY
IRA Shares .35% .35%
Tax Deferred Compensation for School Employees 1.75% 1.76%
Health Savings Account .35% .35%
  • *Annual Percentage Yield
  • **Qualifications Apply.
  • Rates effective as of May 16th, 2012
  • Rates are subject to change without notice.

Loan Rates

Competitive loan rates -Managing your debt, saving you money.

Autos
Item APR*:
As low as		 Term:
Up to
2010 & Newer (1) 2.99% 60 Mo. (2)
2010 & Newer (1) 2.99% 72 Mo. (2)
2007-2009;(1) 2.99% 60 Mo. (2)
2007-2009; (1) 2.99% 72 Mo. (2)
2005 & 2006 (1) 2.99% 48 Mo. (2)
RVs
Item APR*:
As low as		 Term:
Up to
2006 & Newer 2.99% 120 Mo. Amort (6yr Balloon)
Other Vehicles
Item APR*:
As low as		 Term:
Up to
Motorcycles/ATVs 2.99% 120 Mo. Amort (5yr Balloon)
Boats-All Model Years 2.99% 120 Mo. Amort (6yr Balloon)
Home Equity
Item APR*:
As low as		 Term:
Interest Only Home Equity 4.99% First three months with checking.
Home Equity Line of Credit 3.99% First three months with checking.
Home Equity Fixed 6.50%  
Other Loans
Item APR*:
As low as		 Term:
Up to
New UCC Items 3.50% 60 Mo.
Used UCC Items 3.50% 60 Mo.
Unsecured: Ultraline (3) 7.00% Variable
Unsecured: Value-Line (3) 16.9% Fixed
Personal Loan 7.00% 60 Mo.
VISA Gold Intro (4) 5.90% / 12 mo.
VISA Gold Mature 9.90%
VISA Classic Intro (4) 7.90% / 12 mo.
VISA Classic Mature 12.96%
VISA Campus Club 14.96%
  • *Annual Percentage Rate
  • Rates effective May 16th, 2012
  • Rates are as low as based on past credit performance and term
  • Additional information is available for mortgage, home equity, vacant lot and construction loans. Contact Peg at 231-946-8796 or Carrie at 231-932-5071 for more details.
  1. Extended terms for these vehicles are available for the rate listed above plus .50% (on a case by case basis).
  2. Net Check & Auto payment from checking discounts AND repeat member discounts DO apply.
  3. Repayment on both lines @ $2.00 per $100.00 financed.
  4. Only available to members who have never had a TBA Visa-Gold or Classic