Savings & Checking Rates Certificate Rates Loan Rates Mortgage Rates Rates are current as of 8/27/2008 and are subject to change without notice. SAVINGS TYPE Rate APY* Regular Share $5 minimum balance $500 minimum balance to earn dividends Dividends earned quarterly 0.50% 0.50% Christmas Club No minimum balance  No minimum balance to earn dividends Dividends earned quarterly  0.50% 0.50% Special Purpose Share No minimum balance  $500 minimum balance to earn dividends Dividends earned quarterly 0.50% 0.50% Safari Kids Club (0-12 years) $5 minimum balance  No minimum balance to earn dividends  Dividends earned quarterly 0.50% 0.50% GIMME Teen Account (13-19 years) $5 minimum balance  No minimum balance to earn dividends  Dividends earned quarterly 0.50% 0.50% Business Share No minimum balance  $500 minimum balance to earn dividends  Dividends earned quarterly  0.50% 0.50%  CHECKING TYPE Rate APY* Velocity Checking $200 minimum balance  No minimum balance to earn dividends  Dividends earned monthly 0.25% 0.25% Business Performance Checking $5,000 minimum balance  No minimum balance to earn dividends  Dividends earned monthly 1.25% 1.26% Business Achievement Checking $15,000 minimum balance  No minimum balance to earn dividends  Dividends earned monthly 1.75% 1.76% MONEY MARKET ACCOUNTS Tier Rate APY* Financial Bridge (Personal & Business) Dividends earned monthly No minimum balance Standard: $2,500 minimum balance to earn dividends Plus: $25,000 minimum balance to earn dividends Premium: $75,000 minimum balance to earn dividends Standard Plus Premium 1.00% 2.07% 2.36% 1.00% 2.09% 2.39%   Type Rate APY* IRA Share Accounts  $50 minimum balance No minimum balance to earn dividends Dividends paid quarterly  Traditional Roth Coverdell 1.49% 1.49% 1.49% 1.50% 1.50% 1.50% *APY = Annual Percentage Yield. Dividend rate and APY may change at any time without notice. Please note that maintenance and activity fees may reduce the earnings on your account(s). Back to Top CERTIFICATE TYPE Term Rate APY* Regular Certificate  $500 minimum balance Early withdrawal penalties may apply  3-month 6-month 12-month 24-month 36-month 48-month 60-month 1.39% 1.80% 2.09% 2.27% 2.77% 2.77% 3.01% 1.40% 1.81% 2.11% 2.29% 2.81% 2.81% 3.05% Traditional IRA Certificate  $500 minimum balance Early withdrawal penalties may apply  12-month 24-month 36-month 48-month 60-month 2.09% 2.27% 2.77% 2.77% 3.01% 2.11% 2.29% 2.81% 2.81% 3.05% Roth IRA Certificate  $500 minimum balance Early withdrawal penalties may apply  12-month 24-month 36-month 48-month 60-month 2.09% 2.27% 2.77% 2.77% 3.01% 2.11% 2.29% 2.81% 2.81% 3.05% Educational Coverdell Certificate  $500 minimum balance Early withdrawal penalties may apply  12-month 36-month 60-month 2.09% 2.77% 3.01% 2.11% 2.81% 3.05% EZ Saver Certificate  $50 minimum balance Make unlimited deposites throughout term Early withdrawal penalties may apply  6-month 12-month 24-month 1.65% 1.94% 2.12% 1.66% 1.96% 2.14% Flex Certificate  $500 minimum balance One-time rate "bump" allowed  Early withdrawal penalties may apply  36-month 48-month 60-month 2.63% 2.63% 2.86% 2.66% 2.66% 2.90% *APY = Annual Percentage Yield. Dividend rate and APY may change at any time without notice. Please note that maintenance and activity fees may reduce the earnings on your account(s). Back to Top AUTO LOANS Term Annual Percentage Rate New (2008-2009)  36 months 37-60 months 61-72 months  As low as 5.74%* As low as 6.59%* As low as 6.99%* Used (2000-2007) 60 months 61-72 months  As low as 6.99%* As low as 7.94%* RV LOANS Term Annual Percentage Rate New (2008-2009) 84 months 85-120 months 121-180 months  As low as 7.70%* As low as 7.94%* As low as 8.20%* Used (1998-2007) 84 months 85-120 months 121-180 months  As low as 7.70%* As low as 7.95%* As low as 8.20%* PERSONAL LOANS Term Annual Percentage Rate Unsecured Loan 60 months 61-120 months  As low as 14.50%* As low as 15.00%* Line of Credit N/A  11.00%* Share/CD Pledge N/A Current Share/CD Dividend Rate + 2.00% Minimum 5.00% HOME EQUITY Term Annual Percentage Rate Home Equity Loan Up to 85% loan to value Fixed rate 60 months 61-120 months 121-180 months  As low as 6.14%* As low as 6.39%* As low as 6.64%* Home Equity Loan 85.01-100% loan to value Fixed rate 60 months 61-120 months 121-180 months  As low as 6.89%* As low as 7.14%* As low as 7.39%* Home Equity Line of Credit Up to 85% loan to value  Variable rate N/A As low as 5.00%* Home Equity Line of Credit 85.01-100% loan to value  Variable rate N/A As low as 5.50%* *Annual Percentage Rate based upon credit history. Back to Top Please visit our Mortgage Center website for current mortgage rates. Back to Top