|
Checking and Savings Rates
As of February 15, 2007 – All Rates Are Subject To Change |
|
Type of Account
|
Minimum Balance
Required To
Open Account |
Dividend Earning
Minimum Balance
|
Dividend
Rate |
APY* |
| Checking |
| FamilyFirst TM |
|
na |
--- |
--- |
| FamilyFirstTM Plus |
|
$1,000.00 |
.50% |
.50% |
| BusinessFirst* |
|
na |
--- |
--- |
| StudentFirst Plus* |
|
$1.00 |
.50% |
.50% |
| FamilyFirstTM Gold* |
|
Coming Soon! Special senior citizen account. |
| Savings |
| FamilyFirst TM |
|
$100.00 |
1.00% |
1.00% |
| FamilyFirst TM Plus |
|
$2,000.00 |
2.00% |
2.02% |
| FamilyFirst TM IRA |
|
-- |
4.25% |
4.32% |
| Savings Clubs |
| Kids Savings Club |
|
$5.00 |
1.00% |
1.00% |
| Christmas Savings Club |
|
$25.00 |
1.00% |
1.00% |
| Tax Savings Club |
|
$25.00 |
1.00% |
1.00% |
*APY = Annual Percentage Yield. Fees may reduce earnings on an account.
† COMING SOON. Certain qualifications required.
|
Investment Savings Rates
As of April 4, 2008 – All Rates Are Subject To Change |
|
Minimum Deposit
|
Term
|
Dividend Rate |
APY* |
| FamilyFirst Term Certificates |
| $1,000 |
6 Months |
2.85% |
2.88% |
| $1,000 |
12 Months |
2.95% |
2.98% |
| $1,000 |
18 Months |
2.95% |
2.98% |
| $1,000 |
24 Months |
3.00% |
3.03% |
| $1,000 |
36 Months |
3.05% |
3.09% |
| $1,000 |
48 Months |
3.10% |
3.14% |
| $1,000 |
60 Months |
3.20% |
3.24% |
| $10,000 |
6 Months |
2.85% |
2.88% |
| $10,000 |
12 Months |
2.95% |
2.98% |
| $10,000 |
18 Months |
2.95% |
2.98% |
| $10,000 |
24 Months |
3.00% |
3.03% |
| $10,000 |
36 Months |
3.05% |
3.09% |
| $10,000 |
48 Months |
3.10% |
3.14% |
| $10,000 |
60 Months |
3.20% |
3.24% |
*APY = Annual Percentage Yield. Fees may reduce earnings on an account.
Early withdrawal penalty of 180 days interest. |
FamilyFirst IRAs (Individual Retirement Account)
As of April 1, 2008 – All Rates Are Subject To Change |
| Passbook |
-- |
3.50% |
3.55% |
| $500 |
1 Year |
2.00% |
2.02% |
| $500 |
2 Years |
2.10% |
2.12% |
| Early withdrawal penalty of 180 days interest. |
Vehicle Loan Rates
Includes new and used cars and trucks, motorcycles, campers, boats, snowmobiles and RVs
As of April 11, 2008 – All Rates Are Subject To Change
Loan rates quoted are our lowest available and may vary based on
your individual credit. |
|
Months Borrowed
|
APR*
|
Payment per $1,000 |
| NEW 2007 & 2008 Model Year |
| 1-48 |
as low as 4.70% |
$22.90 |
| 49-60 |
as low as 5.15% |
$18.95 |
| 61-64 |
as low as 5.20% |
$17.94 |
| 65-68 |
as low as 5.30% |
$17.07 |
| 69-72 |
as low as 5.40% |
$16.30 |
| 2006 and 2007 Model Years |
| 1-48 |
as low as 4.70% |
$22.90 |
| 49-60 |
as low as 5.15% |
$18.95 |
| 61-64 |
as low as 5.20% |
$17.94 |
| 65-68 |
as low as 5.30% |
$17.07 |
| 69-72 |
as low as 5.40% |
$16.30 |
| 2005 Model Year |
| 1-48 |
as low as 4.70% |
$22.90 |
| 49-60 |
as low as 5.15% |
$18.95 |
| 61-64 |
as low as 5.20% |
$17.94 |
| 65-68 |
as low as 5.30% |
$17.07 |
| 69-72 |
as low as 5.40% |
$16.30 |
| 2004 Model Year |
| 1-48 |
as low as 4.70% |
$22.90 |
| 49-60 |
as low as 5.15% |
$18.95 |
| 61-64 |
as low as 5.20% |
$17.94 |
| 65-68 |
as low as 5.30% |
$17.07 |
| 69-72 |
as low as 5.40% |
$16.30 |
| 2003 Model Year |
| 1-48 |
as low as 4.70% |
$22.90 |
| 49-60 |
as low as 5.15% |
$18.95 |
| 61-64 |
as low as 5.20% |
$17.94 |
| 65-68 |
as low as 5.30% |
$17.07 |
| 69-72 |
as low as 5.40% |
$16.30 |
| 2001 & 2002 Model Year |
| 1-48 |
as low as 4.70% |
$22.90 |
| 49-60 |
as low as 5.15% |
$18.95 |
| Note: Use unsecired loan rates for vehicles 7 years and older. |
Amortization Guidelines:
$5,000 to $10,000–84 Months; $10,000 and up–180 Months |
All secured loans with a term greater than 72 months
must balloon and be rewritten at current rates and conditions.
*APR = Annual Percentage Rate |
Consumer Loan Rates
As of March 24, 2008 – All Rates Are Subject To Change
Loan rates quoted are our lowest available and may vary based on
your individual credit. |
|
Type of Account
|
Term
|
APR* as low as: |
Payment
per $1,000 |
| Secured |
Savings
or Certificates |
Deposit Rate plus 2% (6% Minimum) |
| StudentPlus** |
12 Months |
4.00% |
$85.15 |
| Unsecured |
| FamilyFirst |
36 Months |
9.00% |
$31.82 |
"Kwik" Cash
(Line of Credit) |
--- |
15.00% |
-- |
StudentFirst
(Tuition) |
5 Years |
6.00% |
na |
All secured loans with a term greater than 72 months
must balloon and be rewritten at current rates and conditions.
*APR = Annual Percentage Rate
**Loan secured with parent/guardian cosign. Maximum loan amount $250.
|
Real Estate Loan Rates
As of February 5, 2008 – All Rates Are Subject To Change
Loan rates quoted are our lowest available and may vary based on
your individual credit. |
|
Borrowed
|
APR* as low as:
|
Payment per $1,000 |
| NEW Home Equity NEW |
| Line of Credit |
Home Equity rates adjust at the beginning of each month based upon the Prime Rate as listed in the Wall Street Journal on the last business day of the previous month.
Call |
| 1st Mortgage |
| 3 Year Balloon |
6.00% |
-- |
| 5 Year Balloon |
7.00% |
-- |
Note: Real Estate loans may be for specific periods or may balloon.
Maximum amoritization for balloon loans is 25 years. |
| 2nd Mortgage |
| 36 Months |
6.75% |
-- |
| 60 Months |
7.75% |
-- |
Note: Real estate loans may be for specific periods or may balloon.
Maximum amortization for 2nd mortgage is 15 years. If down payment
is less than 20% add 2.0%
|
| Mobile Home |
| 36 Months |
9.50% |
-- |
| 60 Months |
10.00% |
-- |
Maximum amortization for mobile home is 15 years for a new mobile
home or 10 years for a used mobile home. If down payment is less
than 20% add 2.0% |
| New Construction |
| 1 – 12 Months |
5.75% |
$85.96 |
|
| Property / Vacant Land |
| 3 Year Balloon |
6.00% |
-- |
| 5 Year Balloon |
7.00% |
-- |
|
|
|
|
