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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		 0.499% 0.50%
12 Month 0.799 0.80%
24 Month 0.995% 1.000
36 Month 1.290% 1.300%
48 Month 1.595% 1.600%
60 Month
$500 Minimum		 1.740% 1.750%
Savings Rates
Savings Rate APY
$1 - $999 0.15% 0.15%
$1,000 - $9,999 0.25% 0.25%
$10,000+ .55% .55%
Clubs Rate APY
Vacation Club 0.26% 0.26%
Christmas Club 0.26% 0.26%
Summer Savings 0.26% 0.26%
Money Market Checking Rate APY
$1 - $2,499 0.20% 0.20%
$2,500 - $24,999 ..35% ..35
$25,000 -$99,999 .55% .55%
$100,000+ .85% .85%
Business Checking Rate APY
$1 - $24,999 .20% .20%
$25,000 - $99,999 .40% .40%
$100,000+ .95% .95%
Non-Profit Checking Rate APY
$1 - $24,999 .20% .20%
$25,000 - $99,999 .40% .40%
$100,000+ .95% .95%
Other Savings Rate APY
IRA Shares 1.60% 1.61%
Tax Deferred Compensation for School Employees 3.00% 3.03%
  • Rates effective as of March 10, 2010
  • Rates are subject to change without notice.

Loan Rates

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

Autos
Item Rate:
As low as		 Term:
Up to
2006 & Newer (1) 4.00% 36 Mo. (2)
2006 & Newer (1) 4.00% 48 Mo. (2)
2006 & Newer (1) 4.00% 60 Mo. (2)
2006 & Newer (1) 5.00% 72 Mo. (2)
RVs
Item Rate:
As low as		 Term:
Up to
2006 & Newer 7.25% 72 mo.
2006 & Newer 7.50% 180 Mo. Amort (5yr Balloon)
2005 & Older 8.75% 180 Mo. Amort (5yr Balloon)
Other Vehicles
Item Rate:
As low as		 Term:
Up to
Motorcycles/ATVs 7.25% 72 Mo.
Boats 2006 & Newer 7.25% 72 Mo.
Boats 2005 & Older 8.00% 72 Mo.
Home Equity
Item Rate:
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 Rate:
As low as		 Term:
Up to
New UCC Items 7.75% 60 Mo.
Used UCC Items 8.54% 60 Mo.
Unsecured: Ultraline (3) 7.00% Variable
Unsecured: Value-Line (3) 16.9% Fixed
Personal Loan 11.50% 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%
  • Rates effective March 10, 2010
  • Rates are as low as based on past credit performance and term
  • Additional information available for mortgage, home equity, vacant lot and construction loans. Contact Peg at 231-946-8796, or Yvonne at 231-946-8798 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