 |
|
Rates
Savings Rates
Account Rate Schedule Effective 01/01/2013
Account Type
|
Dividend
Rate |
Annual
Percentage
Rate |
Early
Withdrawal
Rate |
| Savings Accounts |
Owner Shares ,
Kitty Club , Trend and other shares |
|
|
|
| $101 - 2,500 |
0.05% |
0.05% |
0.05% |
| $2,501 - 5,000 |
0.05% |
0.05% |
0.05% |
| $5,001 - 10,000 |
0.10% |
0.10% |
0.10% |
| $10,001 - 25,000 |
0.10% |
0.10% |
0.10% |
| $25,001 - 50,000 |
0.10% |
0.10% |
0.10% |
| $50,001 - and up |
0.15% |
0.15% |
0.15% |
| Special Shares |
0.10% |
0.10% |
0.10% |
| Tax Escrow |
0.05% |
0.05% |
0.05% |
| Holiday Club |
0.05% |
0.05% |
0.04% |
| Local #290 Vacation Fund |
0.05% |
0.05% |
0.05% |
| Certificates |
| 6 Month Share Certificate |
0.10% |
0.10% |
0.07% |
| 12 Month Share Certificate |
0.20% |
0.20% |
0.15% |
| 18 Month Share Certificate |
0.20% |
0.20% |
0.15% |
| 24 Month Share Certificate |
0.25% |
0.25% |
0.19% |
| 36 Month Share Certificate |
0.30% |
0.30% |
0.22% |
| Trend Savings Certificate |
0.25% |
0.25% |
0.19% |
| Kitty Club Certificate (3, 6, & 9 mos) |
0.25% |
0.25% |
0.19% |
| Share Drafts |
| 750 Hi-Yield Draft Account |
0.05% |
0.05% |
0.05% |
| Trend Checking Account |
0.05% |
0.05% |
0.05% |
| Market Checking Account |
0.10%
|
0.10% |
0.10% |
| $2,000 to $9,999 |
0.10% |
0.10% |
0.10% |
| $10,000 to $24,999 |
0.10% |
0.10% |
0.10% |
| $25,000 and up |
0.10% |
0.10% |
0.10% |
| E-Checking Account |
|
|
|
| $25 to $999 |
2.00% |
2.02% |
2.00% |
| $1,000 to $9,999 |
1.00% |
1.00% |
1.00% |
| $10,000 to $24,999 |
0.25% |
0.25% |
0.25% |
| $25,000 and up |
0.00% |
0.00% |
0.00% |
| IRA Accounts |
| Traditional, Roth and SEP IRA Shares |
|
|
|
| $100 to $24,999 |
0.10% |
0.10% |
0.07% |
| $25,000 to $49,999 |
0.15% |
0.15% |
0.11% |
| $50,000 and up |
0.20% |
0.20% |
0.15% |
| Traditional, Roth and SEP IRA Certificate |
|
|
|
| 12 Month Certificate |
0.25% |
0.25% |
0.19% |
| 24 Month Certificate |
0.30% |
0.30% |
0.22% |
| 36 Month Certificate |
0.30% |
0.30% |
0.22% |
| |
|
|
|
| |
|
|
|
| Coverdell ESA Shares |
0.08% |
0.08% |
0.06% |
| Coverdell ESA Certificate |
0.30% |
0.30% |
0.15% |
| |
| |
Loan Rates
| Auto Loans |
APR |
| Standard Vehicles |
2.99% - 12.90% |
| Non-Standard Vehicles |
5.99% - 16.00% |
| New RV |
7.50% - 16.50% |
| Used RV |
8.00% - 17.00% |
| 2-Wheeled Vehicles |
8.50% - 17.50% |
| Watercraft |
8.75% - 17.75% |
| ATV/Utility Vehicles |
9.00% - 18.00% |
| * Specific rates are based solely on credit score. Please call us at 503-283-5193 for more information! |
| Share Secured Loans |
| Annual Percentage Rate |
4.00% |
| Daily Periodic Rate |
0.010958904 |
| Index |
Owner Share Dividend Rate |
| Margin |
3.00% Above |
| Other Info |
Min 4.00% |
| Certificate Secured Loans |
| Annual Percentage Rate |
5.75% |
| Daily Periodic Rate |
0.015753425 |
| Index |
Certificate Dividend Rate |
| Margin |
3.00% Above |
| Other Info |
Min 5.75% |
| VISA Line of Credit |
| Credit Score |
700 + |
641-699 |
640 - |
| Annual Percentage Rate |
8.90% |
12.75% |
16.50% |
| Daily Periodic Rate |
0.024383562 |
0.034931507 |
0.045205479 |
| Personal Loans |
| Annual Percentage Rate |
8.90% - 17.90% |
| Daily Periodic Rate |
0.042465753 |
| Repayment Period (months) |
24 |
| Other Info |
Closed End Loan |
| Line-of-Credit |
| Credit Score |
700 + |
641-699 |
640 - |
| Annual Percentage Rate |
9.90% |
13.90% |
15.50% |
| Daily Periodic Rate |
0.027123288 |
0.038082192 |
0.042465753 |
| Index |
Fixed Rate |
Prime Rate |
Prime Rate |
| Margin |
- |
6.90% above |
9.00% above |
|
|
|
|
|
|
Your savings federally insured to at least $250,000 and backed by the