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Share Certificate Dividend
Rates and Annual Percentage Yield ¹ |
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Effective
Monday, August 15, 2005 - APY represents Annual Percentage Yield |
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TERM |
MINIMUM BALANCE
TO EARN DIVIDENDS |
DIVIDEND RATE |
APY |
| 91-day |
$500
- $4,999.99 |
1.740% |
1.750% |
$5,000.00
- $24,999.99 |
1.830% |
1.850% |
|
$25,000.00
- $49,999.99 |
1.930% |
1.950% |
$50,000.00
- $99,999.99 |
2.030% |
2.050% |
Jumbo
$100,000.00 |
2.230% |
2.250% |
| |
6
month |
$500
- $4,999.99 |
2.180% |
2.200% |
$5,000.00
- $24,999.99 |
2.280% |
2.300% |
$25,000.00
- $49,999.99 |
2.370% |
2.400% |
$50,000.00
- $99,999.99 |
2.470% |
2.500% |
Jumbo
$100,000.00 |
2.670% |
2.700% |
| |
1
year |
$500
- $4,999.99 |
3.060% |
3.100% |
$5,000.00
- $24,999.99 |
3.150% |
3.200% |
$25,000.00
- $49,999.99 |
3.250% |
3.300% |
$50,000.00
- $99,999.99 |
3.350% |
3.400% |
Jumbo
$100,000.00 |
3.540% |
3.600% |
| |
2
year |
$500
- $4,999.99 |
3.150% |
3.200% |
$5,000.00
- $24,999.99 |
3.250% |
3.300% |
$25,000.00
- $49,999.99 |
3.350% |
3.400% |
$50,000.00
- $99,999.99 |
3.440% |
3.500% |
Jumbo
$100,000.00 |
3.640% |
3.700% |
| |
3
year |
$500
- $4,999.99 |
3.250% |
3.300% |
$5,000.00
- $24,999.99 |
3.350% |
3.400% |
$25,000.00
- $49,999.99 |
3.440% |
3.500% |
$50,000.00
- $99,999.99 |
3.540% |
3.600% |
Jumbo
$100,000.00 |
3.735% |
3.800% |
| |
4
year |
$500
- $4,999.99 |
3.440% |
3.500% |
$5,000.00
- $24,999.99 |
3.540% |
3.600% |
| $25,000.00
- $49,999.99 |
3.640% |
3.700% |
| $50,000.00
- $99,999.99 |
3.735% |
3.800% |
| Jumbo
$100,000.00 |
3.930% |
4.000% |
| |
| 5 year |
$500
- $4,999.99 |
3.540% |
3.600% |
| $5,000.00
- $24,999.99 |
3.640% |
3.700% |
| $25,000.00
- $49,999.99 |
3.735% |
3.800% |
| $50,000.00 - $99,999.99 |
3.830% |
3.900% |
| Jumbo
$100,000.00 |
.020% |
4.100% |
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Share Dividend Rates and Annual
Percentage Yield¹ |
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Product
Type |
MINIMUM BALANCE
TO EARN DIVIDENDS |
DIVIDEND RATE |
APY |
No. 1
Money
Fund* |
$2,500 - $4,999.99 |
1.000% |
1.000% |
$5,000.00
- $24,999.99 |
1.090% |
1.100% |
|
$25,000.00
- $49,999.99 |
1.190% |
1.200% |
|
$50,000.00 - and more |
1.290% |
1.300%
|
| ** Rates effective for month ending:
7-31-2005 |
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PRODUCT
TYPE |
DIVIDEND RATE |
APY |
MINIMUM
BALANCE
TO OPEN
|
MINIMUM
AVERAGE
DAILY
BALANCE
TO EARN
APY
|
Regular
Shares &
Sub
Accounts
** |
.75% |
.75% |
$5.00 |
$50.00 |
| |
IRA
Account
** |
1.50% |
1.51% |
|
$50.00 |
Member
Plus
Checking
** |
.50% |
.50% |
|
$1,000.00 |
| |
Christmas
&
Vacation
Clubs
** |
.50% |
.50% |
|
$50.00 |
¹ Fees may reduce earnings on the
account, and rates may change after account is open.
** Rates effective for quarter ending: 6-30-2005 |
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Loan Rates |
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As of Monday, August
15, 2005
APR represents Annual Percentage Rate |
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Product
Type |
APR |
Car, Real Estate or Share
Secured Loans |
as low as 5.00%* |
| Other Secured Loans |
as low as 5.25%* |
| Unsecured Loans |
as low as 7.95%* |
Home Equity Line
of Credit** |
as low as prime, or prime
+2.0%* |
| Visa Classic- max $5,000 |
9.90% |
| Visa Gold - max $10,000 |
8.90% |
| Visa Platinum¹
- max $15,000 |
7.90% |
¹ Yearly fee of $25 (not to be assessed
until after the first 12 months of activation).
* Annual percentage rates, all loans subject to approval,
rates may vary from those listed based on term and credit
qualifications. Other rates and terms available. Special
promotional rates may apply. Please call the Loan Center
for details.
** Prime rate is 6.00% effective 7/01/05 as published in
the Wall Street Journal. The maximum ANNUAL PERCENTAGE RATE
that can apply is 18% or the maximum permitted by law, whichever
is less. You must pay certain fees to third parties to open
the plan. These fees generally total between $300.00 and
$1,800.00. If you ask, we will provide you with an itemization
of the fees you will have to pay third parties. |
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