RATES & FEES
Deposit Rates |
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Rates as of July 1, 2010 and subject to change.
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| Money Market | ||||
| Balances | Dividend Rate | APY | ||
| $0 - $2,499.00 |
0.00%
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0.00% |
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| $2,500 - $9,999.99 |
0.19%
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0.19%
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| $10,000 - $24,999.99 |
0.24%
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0.24%
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| $25,000 - $49,999.99 |
0.29%
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0.29%
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| $50,000 - $99,999.99 |
0.34%
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0.34%
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| $100,000 -$249,999.99 |
0.39%
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0.39%
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| $250,000 and over |
0.44%
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0.44%
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| Individual Retirement Share Account | ||||
| Balances | Dividend Rate | APY | ||
| $0 - $24.99 |
0.00%
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0.00%
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| $25.00 - $4,999.99 |
0.24%
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0.24%
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| $5,000 - 9,999.99 |
0.29%
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0.29%
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| $10,000 - $24,999.99 |
0.34%
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0.34%
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| $25,000 - $49,999.99 |
0.39%
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0.39%
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| $50,000 and over |
0.44%
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0.44%
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| Share/IRA Certificate Accounts | ||||
| Term | Minimum Deposit $500 |
Minimum Deposit $5,000 | ||
| Rate | APY | Rate | APY | |
| 90 days | 0.44% | 0.44% | 0.44% | 0.44% |
| 6 months | 0.75% | 0.75% | 0.75% | 0.75% |
| 12 months | 1.00% | 1.01% | 1.00% | 1.01% |
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18 months |
1.25% | 1.26% | 1.25% | 1.26% |
| 24 months | 1.50% | 1.51% | 1.50% | 1.51% |
| 36 months | 1.74% | 1.76% | 1.74% | 1.76% |
| 48 months | 2.00% | 2.02% | 2.00% | 2.02% |
| 60 months | 2.24% | 2.27% | 2.24% | 2.27% |
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Minor's Certificates
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Same Rate as $500 Certificate Account
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Minimum Deposit
$250.00 |
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| Share Savings | Regular, Senior, Business & Trusts | |||
| Balances | Dividend Rate | APY | ||
| $500 - $2,499.99 | 0.05% | 0.05% | ||
| $2,500 - $9,999.99 | 0.10% | 0.10% | ||
| $10,000 - $24,999.99 | 0.25% | 0.25% | ||
| $25,000 - $49,999.99 | 0.30% | 0.30% | ||
| $50,000 and over | 0.35% | 0.35% | ||
| Share Savings | Minor,Teen,Custodial, | & Hancock Saves | ||
| Balances |
Dividend Rate
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APY
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| $0.00 - $2,499.99 |
0.05%
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0.05%
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| $2,500 - $9,999.99 |
0.10%
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0.10%
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| $10,000 - $24,999.99 |
0.25%
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0.25%
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| $25,000 - $49,999.99 |
0.30%
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0.30%
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| $50,000 and over |
0.35%
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0.35%
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| Club Accounts | Christmas, Vacation & Special | |||
| Balances | Dividend Rate | APY | ||
| $100 - $2,499.99 | 0.05% | 0.05% | ||
| $2,500 - $9,999.99 | 0.10% | 0.10% | ||
| $10,000 - $24,999.99 | 0.20% | 0.20% | ||
| $25,000 - $49,999.99 | 0.25% | 0.25% | ||
| $50,000 and over | 0.35% | 0.35% | ||
| Cruisin 55 Checking | ||||
| Balances | Dividend Rate | APY | ||
| $0 - $499.99 |
0.00%
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0.00%
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| $500 and over |
0.10%
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0.10%
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Loan Rates |
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| Rates as of July 1, 2010 and subject to change. | ||||
| Auto Loans |
Call 419.422.5626 for
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longer term rates | ||
| Model Year | Rate | Term | ||
| 2010-2009 New Vehicles | As low as 5.75% | up to 60 months | ||
| 2009-2007 Used Vehicles | As low as 6.50% | up to 60 months | ||
| 2006-2005 Used Vehicles | As low as 7.50% | up to 48 months | ||
| 2004-2003 Used Vehicles | As low as 9.75% | up to 48 months | ||
| 2002 & Older | As low as 10.25% | up to 36 months | ||
| Motorcycles | ||||
| Model Year | Rate | Term | ||
| All Model Years | As low as 12.25% | up to 72 months | ||
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Rates are based on
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credit score | |||
| Recreational Vehicles | ||||
| Model Year | Rate | Term | ||
| All Model Years | As low as 12.25% | up to 72 months | ||
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Rates are based on
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credit score | |||
| Home Equity Line of Credit | ||||
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Floor Rate is 4.00%
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| Loan to Value | Rate | Term | ||
| up to 70% LTV |
4.00% Prime Rate -0.5
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up to 240 months | ||
| up to 80% LTV |
4.00% Prime Rate +0
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up to 240 months | ||
| Signature Loans | ||||
| Rate | Term | |||
| Signature Loans | As low as 13.25% | up to 48 months | ||
| Share Secured | ||||
| Rate | Term | |||
| Share Secured Loans | Equal to Prime Lending Rate | (with a floor rate of 4%) | ||
| Visa Credit Cards | Rate | |||
| Classic |
15.9%
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| Platinum |
10.9%
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