|
|
Certificate of Deposit
Rates
| |
MINIMUM |
RATE |
APY* |
| 3 month |
$1,000.00 |
2.50% |
2.52% |
| 6 month |
$1,000.00 |
2.85% |
2.88% |
| 1 year |
$1,000.00 |
3.10% |
3.14% |
| 18 month |
$1,000.00 |
3.10% |
3.14% |
| 2 year |
$1,000.00 |
3.10% |
3.14% |
| 30 month |
$1,000.00 |
3.10% |
3.14% |
| 3 year |
$1,000.00 |
3.15% |
3.19% |
| 4 year |
$1,000.00 |
3.15% |
3.19% |
| 5
year |
$1,000.00 |
3.15% |
3.19% |
| 1 year IRA |
$500.00 |
3.10% |
3.14% |
| 18 month IRA |
$500.00 |
3.10% |
3.14% |
| 2 year IRA |
$500.00 |
3.10% |
3.14% |
| 30 month IRA |
$500.00 |
3.10% |
3.14% |
| 3 year IRA |
$500.00 |
3.15% |
3.19% |
| 4 year IRA |
$500.00 |
3.15% |
3.19% |
| 5
year IRA |
$500.00 |
3.15% |
3.19% |
*Annual Percentage Yield
Rates for Traditional, Roth and Education IRAs are the same.
These rates are accurate as of 5/8/08, but are subject
to change without notice. Certificate of Deposit accounts are
subject
to penalties for early withdrawal.
Savings and Deposit
Rates
| |
Minimum
ADB* to earn
Dividends |
Annual
Percentage
Rate |
Annual
Percentage
Yield |
| Share Savings |
$100.00 |
|
|
| Tier 1-$100,000.00
or more |
|
1.60% |
1.61% |
| Tier 2-$ 40,000.00-$99,999.99 |
|
1.35% |
1.36% |
| Tier 3-$ 2,500.00-$39,999.99 |
|
1.00% |
1.00% |
| Tier 4-$ 100.00-$
2,499.99 |
|
0.75% |
0.75% |
| |
| Club Savings |
$100.00 |
|
|
| Tier 1-$100,000.00
or more |
|
1.60% |
1.61% |
| Tier 2-$ 40,000.00-$99,999.99 |
|
1.35% |
1.36% |
| Tier 3-$ 2,500.00-$39,999.99 |
|
1.00% |
1.00% |
| Tier 4-$ 100.00-$
2,499.99 |
|
0.75% |
0.75% |
| |
| IRA Club |
$100.00 |
|
|
| Tier 1-$100,000.00
or more |
|
1.60% |
1.61% |
| Tier 2-$ 40,000.00-$99,999.99 |
|
1.35% |
1.36% |
| Tier 3-$ 2,500.00-$39,999.99 |
|
1.00% |
1.00% |
| Tier 4-$ 100.00-$
2,499.99 |
|
0.75% |
0.75% |
| |
| Money Market Magic |
$1000.00 |
|
|
| Tier 1-$100,000.00
or more |
|
1.50% |
1.51% |
| Tier 2-$ 40,000.00-$99,999.99 |
|
1.25% |
1.26% |
| Tier 3-$ 2,500.00-$39,999.99 |
|
1.25% |
1.26% |
| Tier 4-$ 1,000.00-$
2,499.99 |
|
1.00% |
1.00% |
| |
| Checking |
$500.00 |
0.50% |
0.50% |
| (Truncated
and Non-truncated) |
These rates are accurate as of 3/28/08 but are subject to
change without notice. Additional qualifications, terms and
transaction
limitations may apply.
*Average Daily Balance
|
LOAN
RATES
All
rates expressed as Annual Percentage Rate (APR) and are
subject to change without notice. Please call our Loan
Department at (205) 226-3909 for current rates. We are
an Equal Housing and Equal Opportunity Lender.
Rates are current as of February 22,
2008.
Consumer Loan Rates
The
Annual Percentage Rate (APR) you receive will be based
on your credit worthiness at the time of the loan. Please
ask us about your qualifying rate.
|
Type
of
Loan |
A.P.R. |
Maximum
Loan Amt |
Down
Pmt
Required |
Maximum
Term |
New / Used 2004-Newer
Auto, Passenger / Custom / Cargo
Vans, Pickups
|
36 Months - 5.50%
48 Months - 5.50%
60 Months - 5.50%
72 Months - 5.95% (Over $25,000) |
MSRP (Manufacturer's Suggested
Retail Price)
Verification of 6-month
Collision Insurance Coverage |
N/A |
72 Months |
| Used Auto, Passenger /
Custom / Cargo Vans, Pickups (Models listed currently
at www.nada.com) |
2003 - Older -
6.25%
60 months - 6.75%
|
100% of NADA Retail
Value
|
N/A |
60 Months |
| New Motor Homes |
60 Months - 7.25%
61 - 120 Months - 8.00%
(Maximum $75,000) |
90% of List Price |
N/A |
120 Months |
| New Travel Trailers - Never registered,
regardless of yr or current model yr refinanced within 60
days of purchase. |
60 Months - 7.75%
61 - 120 Months - 9.00%
(Maximum $50,000) |
85% of List price |
N/A |
120 Months |
| Used Motor Homes (Models listed currently
at www.nada.com) |
60 Months - 7.50%
61 - 120 Months - 8.00% |
NADA used retail value |
N/A |
120 Months |
| Used Travel Trailers (Models listed
in current NADA Guide) |
60 Months - 8.00%
(Maximum $25.000)
|
NADA Used Retail
May Require Appraisal |
N/A |
60 Months |
| New Motorcycle (Never registered,
regardless of year), |
60 Months - 6.50% |
Current Model Year |
N/A |
60 Months |
| Shares Pledged |
0 - 60 Months - 4.95% |
Shares = to loan balance |
N/A |
60 Months |
| Certificate of Deposit |
2% Above Rate (Minimum 4.95%) |
100% of Certificate minus the
Amount of Interest due on
One Payment Loans |
N/A |
Maturity Date
of CD |
| Comaker |
48 Months - 11.90% |
$5.000.00 |
N/A |
48 Months |
| New Boats, Persooal Watercraft (Never registered, regardless of year, of current
model year refinanced within 60 days of purchase) |
60 Months - 7.25% |
|
N/A
|
60 Months |
| Used Boats, Personal Watercraft |
60 Months - 7.50%
|
NADA Average Retail
May Require Appraisal |
N/A |
60 Months |
| New Furniture |
36 Months - 9.25% |
$10,000.00 |
N/A |
36 Months |
| Signature (Closed End) |
1-24 Months - 9.50%
36 Months - 10.00%
48 Months - 10.50% |
$10,000.00 |
N/A |
48 Months |
| Signature (Open End-PSL) |
11.95% |
$10,000.00 |
N/A |
Open |
| Signature (Overdraft Protection) |
12.90% |
|
N/A |
Open |
| Signature (Single-Payment) |
9.95% |
$10,000.00 |
N/A |
3 Months |
|
| Visa / Mastercard |
Type
of
Card |
A.P.R. |
|
Grace
Period |
Annual
Fees |
| Classic |
11.95% |
* |
25 Days |
None |
|
| Mortgage
Loan Rates |
Real
Estate |
Rate |
Loan
to
Value |
Down
Pmt
Required |
Term |
| 5 Year Fixed |
1st Mortgage
- 5.75% APR
2nd Mortgage - 6.50% APR |
80% of Appraised
Value
70% of Appraised Value |
N/A
N/A |
60 Months
60 Months |
| 20 - 30 Year Variable |
1st Mortgage - 6.25% APR
2nd Mortgage - 6.50% APR |
80% of Appraised Value
70% of Appraised Value |
N/A
N/A |
30 Years
30 Years |
| Quick Equity Line of Credit |
6.00% APR (Variable) |
90% of Tax Notice |
N/A |
|
| Unimproved Property |
1st Mortgage
- 7.75% APR (Variable) |
75% of Appraised
Value |
N/A |
10 Years |
| Variable
Rate Closed-End Mortgages Type II |
| 15 Year Variable |
1st Mortgage
- 5.75% APR
2nd Mortgage - 6.50% APR |
80% of Appraised
Value
75% of Appraised Value |
N/A
N/A |
15 Years
15 Years |
|
