Interest Rates

Loan Rates

New and Nearly New (2008/2009) Vehicles	APR
36 Month Term	5.00 %
48 Month Term	5.25 %
60 Month Term	5.50 %
72 Month Term	6.50 %

2007 and Earlier Vehicles	APR
36 Month Term	5.50 %
48 Month Term	5.75 %
60 Month Term	6.00 %

Share Secured Loans (Minimum $2,500)	APR
36 Month Term	6.00 %
48 Month Term	6.25 %
60 Month Term	6.50 %

Unsecured Loans	APR
36 Month Term	10.00 %
48 Month Term	10.00 %
60 Month Term	10.00 %

Home Equity Loans	APR
Maximum 84 Month Term	6.50 %

No fees on Home Equity Loans over $15,000. New Vehicle Rates Apply to Current Model Year and Two Years Prior Models.

Share Accounts

Account Type	Annual Percentage Yield
Share Savings Accounts	1.50 %
One Year Share Certificate	3.00 %
Two Year Share Certificate	3.40 %
Three Year Share Certificate	3.60 %
Four Year Share Certificate	4.00 %

There is a minimum opening balance of $10 for Share Savings Accounts, and a $100 minimum balance to maintain an active account. Interest on a Share Savings Account is calculated using a daily balance, and is credited and compounded semi-annually. There is a $1,000 minimum balance required to open a share certificate, and interested is credited and compounded annually.