Rates

Rates

Effective as of: 01/01/2012

VACATION LOANS	TERM	RATE
$500	6 Month	13% APR*
$1,000	12 Months	13% APR*
HOME EQUITY LOANS	RATE
5 Years	6.0% APR*
10 Years	6.25% APR*
15 Years
LOANS	RATE
Revolving Loan	15.0% APR*
With Life Insurance Purchased	14.0% APR*
Debt Consolidation	13.7% APR*
NEW AUTO LOANS	RATE
24 months	3.9% APR*
36 months	3.9% APR*
48 months	4.4% APR*
60 months	4.9% APR*
72 months	5.9% APR*
Match Rate Policy Limit	3.9% APR Floor Limit*
USED AUTO LOANS	RATE
1st thru 4th year	6.0% APR max 60 months*
5th thru 8th year	6.0% APR max 48 months*
9th year	6.0% APR max 24 months*
Model years change on November 1st
MOTORCYCLE, SNOWMOBILES, SMALL WATERCRAFT	RATE
6.0% APR*	max 48 months
CREDIT CARDS	RATE
VISA Classic	11.90%
VISA Platinum Preferred	9.9%
Minimum Finance Chg -0-	$.50
Late Pmt Fee $25.00	$25.00
Over Limit Fee $25.00	$25.00
25 Days Grace Period on Balance
Method of Computing the Balance for Purchases Average Daily Balance new purchases
No Annual Fee
Match Rate Policy
We will match another institutions rate and terms, on autos and boats or RV Vehicles.
(7% APR lowest rate we will match)
DIVIDEND NEWS!	APY	MINIMUM DEPOSIT
Shares	0.20%	$10.00
Money Market	0.30%	$2,500.- $9,999
	..4%	$10,000 - $24,999
	0.50%	$25,000 - $59,999
	0.60%	$60,000 - OVER
Match Rate Certificate Policy - Call for Details *No Dividends Paid to Closed Accounts
IRA	0.80%
APR = Annual Percentage Rate
APY = Annual Percentage Yield