All rates are effective 1/1/09

Account
Dividend Rate
APY
     
Share Account    
$ 500.01 - $2000.00 0.75% 0.75%
$2000.00 - $4999.99 0.99% 1.00%
Over $5000.00 1.24% 1.25%
     
Holiday Club    
  0.99% 1.00%
     
Vacation Club    
  1.24% 1.25%
   
Share Draft Account    
$1,000.00 and up 0.49% .50%
     
 APY = Annual Percentage Yield
Certificate of Deposit
BALANCE
$1000 - $9,999.99
$10,000 - $24,999.99
$25,000 AND OVER
 
RATE
APY
RATE
APY
RATE
APY
3 MONTH
1.34%
1.35%
1.39%
1.40%
1.44%
1.45%
6 MONTH
2.62%
2.65%
2.66%
2.70%
2.71%
2.75%
12 MONTH
2.71%
2.75%
2.76%
2.80%
2.81%
2.85%
18 MONTH
2.52%
2.55%
2.57%
2.60%
2.62%
2.65%
24 MONTH
2.37%
2.40%
2.42%
2.45%
2.47%
2.50%
36 MONTH
2.47%
2.50%
2.52%
2.55%
2.57%
2.60%
48 MONTH
2.47%
2.50%
2.52%
2.55%
2.57%
2.60%
60 MONTH
2.47%
2.50%
2.52%
2.55%
2.57%
2.60%
 APY = Annual Percentage Yield
$1000 minimum balance required. Penalty for early withdrawal.
Rates are subject to change during the month at the discretion of the Board of Directors  
 
HOME EQUITY LOANS

** Up to 100% of Market Value for Qualified Members**
Minimum of $20,000 - Maximum $200,000

Fixed 3 yr 3.74% to 5.74%  
Fixed 4 yr 3.99% to 5.99%  
Fixed 5 yr 4.99% to 6.99%  
Fixed 7 yr 5.49% to 7.49%  
Fixed 10 yr 5.74% to 7.74%  
Home Equity Line 3.25%  
15 yr Adj Loan 5.12%

** Please call our Loan Department at 609-393-1363 for complete details.
 
     
Auto Loans  
New   100% 90% 80% 70%
Term
          
24 MO . 4.74% 4.49% 4.24% 3.99%
36 MO   4.99% 4.74% 4.49% 4.24%
48 MO   5.24% 4.99% 4.74% 4.49%
60 MO   5.49% 5.24% 4.99% 4.74%
72 MO   5.74% 5.49% 5.24% 4.99%
           
Auto Loans      
Used
Rates from 5.5% - 12% (based on Credit Bureau Risk Score)
       
       
Personal Loans/Unsecured Up to $10,000 maximum  
    Up to 60 MO  
Closed End 16.00%    
Open End - Credit Line As low as 12.00%    
       
       
Due to the increasing cost of processing all loans, there will be a $5 fee assessed to member's account if loan is not approved due to derogatory or delinquent credit.
       
       
Visa Cards      
Gold 10.9% APR $5000 - $15,000 Credit Limit  
Classic 12.9% APR $500 - $5000 Credit Limit  
 
   
 

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