|
|
Rates
| Credit
Cards |
| MasterCard |
Visa Platinum |
| ANNUAL
PERCENTAGE RATE (APR) for Purchases |
| 650 BEACON AND UNDER |
650 BEACON AND UNDER |
| 13.42% |
11.96% |
| 651 - 690 BEACON |
651 - 690 BEACON |
| 11.42% |
9.96% |
| 691 BEACON AND OVER |
691 BEACON AND OVER |
| 10.42% |
8.96% |
Other
ANNUAL PERCENTAGE RATE (APR)
Cash Advances, Balance Transfers |
| 650 BEACON AND UNDER |
650 BEACON AND UNDER |
| 13.42% |
11.96% |
| 651 - 690 BEACON |
651 - 690 BEACON |
| 11.42% |
9.96% |
| 691 BEACON AND OVER |
691 BEACON AND OVER |
| 10.42% |
8.96% |
| Grace
Period for Purchase Balance Repayment |
| None |
25 days from statement of closing date for repayment of purchases to avoid finance charges |
| Grace
Period of Cash Advance Balance Repayment |
| None |
None |
Method
of Computing Purchase Balance &
Cash Advance Balance |
| Average Daily Balance (includes new purchase) |
Average Daily Balance (includes new purchase) |
| Annual
Fee |
| None |
None |
| Late
Payment Fee |
| $25.00 if minimum payment is not received within 10 days of due date |
$25.00 if minimum payment is not received within 10 days of due date |
| Over
the Credit Limit Fee |
| $15.00 |
$15.00 |
| Transaction
Fee for Cash Advances or Balance Transfers |
| None |
None |
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| Mortgages |
| Type |
Beacon
Score |
Rates |
APR |
Points |
1st
Mortgage
15 year fixed
Disclosure |
740
& Over |
5.75%
|
5.764% |
0 |
1st
Mortgage
15 year fixed
Disclosure |
739
& Under |
6.25% |
6.264% |
0 |
1st
Mortgage
30 year fixed
Disclosure |
740
& Over |
6.25% |
6.258% |
0 |
1st
Mortgage
30 year fixed
Disclosure |
739
& Under |
6.75% |
6.759% |
0 |
2nd
Mortgage
15 year fixed
Disclosure |
740
& Over |
8.00% |
8.028% |
0
|
2nd
Mortgage
15 year fixed
Disclosure |
580
- 739 |
9.00% |
9.029% |
0 |
2nd
Mortgage
15 year fixed
Disclosure |
579
& Under |
9.25% |
9.279% |
0 |
| Other
Loans |
Rate |
| BEACON
SCORE |
579
and under |
580
- 740 |
740
and over |
Home
Improvement
(United
Guaranty)
Disclosure |
as
low as 9.50% |
as
low as 9.25% |
as
low as 9.00% |
Home
Equity
Disclosure |
9.25% |
9.00% |
8.00% |
Land/Lot
Loan
Disclosure |
11.25% |
11.00% |
10.00% |
Rental Property
Disclosure |
9.25% |
9.00% |
8.00% |
Condo
Disclosure |
10.25% |
10.00% |
9.00% |
Mobile
Home
Disclosure |
9.25% |
9.00% |
8.00% |
| Consumer
Loans |
| Type
of Loan |
Rate
(Rates
are listed as annual percentage rates) |
| BEACON
SCORE |
580
or less |
581
- 650 |
651
- 690 |
691
- 739 |
740
or more |
|
NEW
Auto
Up to 72 mo.
0-24% down
Up to 48 mo.
25-49%
down
Up to 36 mo.
50% plus down
|
12.50%
12.00%
11.50%
|
8.50%
8.00%
7.50%
|
6.50%
6.00%
5.50%
|
5.50%
5.00%
4.50%
|
5.00%
4.50%
4.00%
|
| USED
Auto |
13.50% |
9.50% |
7.50% |
6.50% |
6.00% |
| RVs,
Travel Trailers - NEW |
15.00% |
11.00%
|
9.00% |
8.00% |
7.50% |
| RVs,
Travel Trailers - USED |
15.75% |
11.75% |
9.75% |
8.75% |
8.25% |
| Boats
- NEW |
14.25% |
10.25% |
8.25% |
7.25% |
6.75% |
| Boats
- USED |
15.00% |
11.00% |
9.00% |
8.00% |
7.50% |
| Line
of Credit |
18.00% |
14.00% |
12.00% |
11.00% |
10.50% |
UCC-1
(Household
Items) |
18.00% |
16.00% |
14.00% |
13.00% |
12.50% |
Other
Secured
(48-Mo.
Max)
|
18.00% |
14.50% |
12.50% |
11.50% |
11.00% |
| Unsecured
|
18.00% |
15.00% |
13.00% |
12.00% |
11.50% |
| Share
Secured |
3.50% |
3.50% |
3.50% |
3.50% |
3.50% |
| Share
Certificate |
Interest
rate equal to 2% above certificate rate. |
|
Motorcycle
NEW
|
1%
above new auto |
1%
above new auto |
1%
above new auto |
1%
above new auto |
1%
above new auto |
Motorcycle
USED |
1%
above used auto |
1%
above used auto |
1%
above used auto |
1%
above used auto |
1%
above used auto |
| The
actual Annual Percentage Rate for a loan advance is based upon
your beacon score and/or estimated term of loan and will be
disclosed to you when you apply for an advance. |
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| Disclaimer |
| All rates are shown as Annual Percentage Rates, and are subject to change without notice. |
| Savings |
| Account |
Rate |
Annual
Percentage Yield |
| Balances of $50 and more
|
1.00% |
1.0046% |
| Anticipated rates Third Quarter 2008. All rates subject to change after account is opened. Minimum to open account is $10. Fees could reduce earnings. |
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| Share
Certificates |
| Term |
Balance |
Annual
Percentage Yield |
| 6 Months
|
$1000 - $4999 |
2.5288% |
| 6 Months
|
$5000 - $24999 |
2.7849% |
| 6 Months
|
$25000 - $99000 |
3.0416% |
| 6 Months
|
$100000 + |
3.0930% |
| 12 Months
|
$1000 - $4999 |
2.5800% |
| 12 Months
|
$5000 - $24,999 |
2.8362% |
| 12 Months
|
$25,000 - $99,000 |
3.0930% |
| 12 Months
|
$100,000 + |
3.1444% |
| 24 Months
|
$1000 - $4999 |
2.6312% |
| 24 Months
|
$5000 - $24,999 |
2.8875% |
| 24 Months
|
$25,000 - $99,000 |
3.1444% |
| 24 Months
|
$100,000 + |
3.2989% |
| 30 Months
|
$1000 - $4999 |
2.6824% |
| 30 Months
|
$5000 - $24,999 |
2.9389% |
| 30 Months
|
$25,000 - $99,000 |
3.1959% |
| 30 Months
|
$100,000 + |
3.1959% |
| 36 Months
|
$1000 - $4999 |
2.7849% |
| 36 Months
|
$5000 - $24,999 |
3.0416% |
| 36 Months
|
$25,000 - $99,000 |
3.2989% |
| 36 Months
|
$100,000 + |
3.4019% |
| 60 Months
|
$1000 - $4999 |
2.8875% |
| 60 Months
|
$5000 - $24,999 |
3.1444% |
| 60 Months
|
$25,000 - $99,000 |
3.4019% |
| 60 Months
|
$100,000 + |
3.4019% |
| Rates effective as of 04-01-08. $1000 minimum to open. Substantial penalty for early withdrawal. Rates are subject to change without notice. |
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| IRAs
|
| Account |
Rate |
Annual
Percentage Yield |
| IRA |
1.50% |
1.5104% |
| Dividend rate for Third Quarter 2008. All rates subject to change after account is opened. There is no minimum balance to open account. |
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| MMSAs
|
| Account |
Rate |
Annual
Percentage Yield |
| Balances of $1,000 and more |
1.15% |
1.1561% |
| Dividend rate as of 07-01-08. Rate subject to change monthly. Ask for current rate. Minimum to open account is $1,000. Fees could reduce earnings. |
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