Savings Rates
| Effective November 1, 2011 (APY=Annual Percentage Yield) | ||||||
| Share Rates | APY | |||||
| Shares | 0.15% | |||||
| Christmas | 0.25% | |||||
| IRA Shares | 0.50% | |||||
|
Balance in Shares has to be $50.00 or more to earn interest. Effective 01/01/2012 (APY=Annual Percentage Yield) |
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| Certificate of Deposits | APY | |||||
| 6 months $500 Minimum |
0.40% | |||||
| 1 year $500 Minimum |
0.65% | |||||
| 2 year $500 Minimum |
0.90% | |||||
| One time bump up rate option on 1 and 2 year certificates. | ||||||
| IRA Certificate |
APY | |||||
| 1 year Auto renewal $1,000 minimum |
0.65% | |||||
| Education IRA Certificate |
APY | |||||
| 1 year Auto renewal $500 minimum |
0.65% | |||||
Loan Rates
|
Effective: December 27, 2011 (APR=Annual Percentage Rate) |
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| BEACON SCORE: |
# of mo. | 720+ APR |
719-680 APR |
679-640 APR |
639-600 APR |
599 > APR |
| New & Nearly New | Term | Highmark | Base | Standard | Merit | Builder |
| 2012, 2011, 2010 | 24 months | 3.49% | 3.75% | 4.25% | 5.25% | 7.25% |
| 36 months | 3.49% | 3.75% | 4.25% | 5.25% | 7.25% | |
| 48 months | 3.49% | 3.75% | 4.25% | 5.25% | 7.25% | |
| 60 months | 3.49% | 3.75% | 4.25% | 5.25% | 7.25% | |
| 72 months | 3.49% | 3.75% | 4.25% | 5.25% | 7.25% | |
| 35,000 - over | 84 months | 5.49% | 5.75% | 6.25% | 7.25% | 9.25% |
| Used Auto's | Term | |||||
| 2009, 2008, 2007 | 24 months | 4.50% | 4.75% | 5.25% | 6.25% | 8.25% |
| 36 months | 4.50% | 4.75% | 5.25% | 6.25% | 8.25% | |
| 48 months | 4.50% | 4.75% | 5.25% | 6.25% | 8.25% | |
| 60 months | 4.50% | 4.75% | 5.25% | 6.25% | 8.25% | |
| 2006, 2005, 2004 | 48 months | 4.50% | 4.75% | 5.25% | 6.25% | 8.25% |
| 60 months | 4.50% | 4.75% | 5.25% | 6.25% | 8.25% | |
| 2003 & Older | 36 months | 4.50% | 4.75% | 5.25% | 6.25% | 8.25% |
| 48 months | 4.50% | 4.75% | 5.25% | 6.25% | 8.25% | |
| Unsecured | Term | |||||
| Up to $4,000.00 | 48 months | 11.75% | 12.00% | 12.75% | 15.00% | 16.00% |
|
BEACON
SCORE:
|
# of
years.
|
720 +
|
719-680
|
679-640
|
639-600
|
599 >
|
|
New & Nearly New
|
Up to:
|
Highmark
|
Base
|
Standard
|
Merit
|
Builder
|
|
2012 - 2010
|
6 yrs.
|
3.49%
|
3.75%
|
4.25%
|
5.25%
|
7.25%
|
|
|
7-8 yrs.
|
4.49%
|
4.75%
|
5.25%
|
6.25%
|
8.25%
|
|
|
9-10 yrs.
|
5.49%
|
5.75%
|
6.25%
|
7.25%
|
9.25%
|
|
|
|
|
|
|
|
|
|
Model Years:
|
|
|
|
|
|
|
|
2009 & Older
|
6 yrs.
|
4.50%
|
4.75%
|
5.25%
|
6.25%
|
8.25%
|
|
|
7-8 yrs.
|
5.50%
|
5.75%
|
6.25%
|
7.25%
|
9.25%
|
|
|
9-10 yrs.
|
6.50%
|
6.75%
|
7.25%
|
8.25%
|
10.25%
|
APPLY NOW **For verification of income please include your most recent 2 paycheck stubs or your most current W2 with your credit application. There is also a $10.00 loan processing fee at the time of each loan advance request.
Rates above include a 1/2% discount for payroll deduction or automatic payment from an active share draft (checking) account with us.
Rates above apply on borrowing 90% of sticker price or 90% of NADA Book Value. Over 90%, not to exceed 100% of sticker price or 100% of NADA Book Value, interest rate will be 1% higher on quoted rates.
If you had a bankruptcy that shows up on your credit file you will be charged a 1% higher rate than shown above depending on your credit score unless you re-affirmed your prior debt with us.
Home Equity Loans: Up to 5 years - 5.50% and over 5 years up to 10 years - 6.50%. Borrowing 90% of tax assessment minus balance of first mortgage. If you are borrowing $10,000.00 or more, there are NO CLOSING COSTS!
What's your credit look like? Did you know according to Fact Act, you are entitled to a FREE credit report every 12 months? That's right use www.annualcreditreport.com to ensure there is no inaccuracies with your credit report.
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