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DIVIDEND RATES | CERTIFICATE RATES | SIGNATURE LOAN RATES | VEHICLE RATES
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DIVIDEND RATES
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Last Dividend Declaration Date:
03/31/2008
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Account Type
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Dividends
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Balance Requirements
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Account Limitations
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Dividend Rate
Annual Percentage Yield
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Dividends Compounded
and Credited
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Dividend Period
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Minimum Opening Deposit
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Minimum Balance to Avoid a Service Fee and Earn Stated APY
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Balance Method
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See Section 6of Deposit Account Rate Disclosure
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| Regular Share Savings Account |
0.25 / 0.25
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Quarterly
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Quarterly (calendar)
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$5.00
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$5.00
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Average Daily Balance
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Account transfer limitations apply.
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| Rainbow Share Savings Account |
1.50 /1.51 1.75/1.76
2.00 /2.02
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Quarterly
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Quarterly (calendar)
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$2,000.00
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$2,000.00
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Average Daily Balance
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Account transfer limitations apply.
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| Club Share Savings Account |
0.25 / 0.25
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Quarterly
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Quarterly (calendar)
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$5.00
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$5.00
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Average Daily Balance
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Account transfer limitations apply.
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| IRA Share Savings Account |
2.50 /2.53 2.75 /2.78
3.00 /3.04
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Quarterly
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Quarterly (calendar)
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$5.00
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$5.00
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Average Daily Balance
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Account transfer limitations apply.
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| Share Checking Account |
0.25 / 0.25
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Monthly
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Monthly(calendar)
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$100.00
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—
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Average Daily Balance
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Account transfer limitations apply
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Except as specifically described, these linked disclosures apply to all of the accounts above. All accounts shown in the Rate Schedule above are share accounts.
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CERTIFICATES OF DEPOSIT RATES
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10/01/2008
through
10/07/2008
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Time
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Amount
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Annual Percentage Rate
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Annual Percentage Yield
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| 6 Months |
Less than $50,000 |
2.95%
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2.994%
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| $50,000 - $99,999 |
3.20%
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3.252%
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| Over $100,000 |
3.45%
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3.510%
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| 1 Year |
Less than $50,000 |
3.45%
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3.510%
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| $50,000 - $99,999 |
3.70%
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3.769%
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| Over $100,000 |
3.95%
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4.029%
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| 18 Months |
Less than $50,000 |
3.30%
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3.355%
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| $50,000 - $99,999 |
3.55%
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3.614%
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| Over $100,000 |
3.80%
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3.873%
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| 2 Years |
Less than $50,000 |
3.60%
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3.666%
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| $50,000 - $99,999 |
3.85%
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3.925%
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| Over $100,000 |
4.10%
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4.185%
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| 3 Years |
Less than $50,000 |
3.75%
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3.821%
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| $50,000 - $99,999 |
4.00%
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4.081%
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| Over $100,000 |
4.25%
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4.342%
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| 5 Years |
Less than $50,000 |
3.85%
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3.925%
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| $50,000 - $99,999 |
4.10%
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4.185%
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| Over $100,000 |
4.35%
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4.446%
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| SIGNATURE LOAN RATES |
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Beacon Score
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Maximum Loan Amount
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Annual Percentage Rate
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721+
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$10,000.00
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7.90%
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680-720
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$10,000.00
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8.75%
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600-679
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$5,000.00
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12.75%
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599-below
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$1,200.00
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16.75%
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No Beacon
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$500.00
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18.00%
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| SIGNATURE LOAN TERMS |
| Loan Amount |
Term
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| $5,000.00 + |
60 Months
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| $3.500.00 |
48 Months
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| $2,500.00 |
36 Months
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$1,500.00
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36 Months
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$800.00
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24 Months
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$500.00
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12 Months
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| VEHICLE LOAN RATES |
| Type |
Beacon Score
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Annual Percentage Rate
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Term
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| New Auto/Boat |
680 or higher
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5.50%
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36 Months
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5.50%
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48 Months
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5.50%
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60 Months
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6.00%
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66 Months*
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6.25%
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72 Months*
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650-679
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6.75%
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36 Months
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7.25%
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48 Months
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7.75%
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60 Months
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8.25%
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66 Months*
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8.50%
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72 Months*
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600-649
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9.50%
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36 Months
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10.00%
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48 Months
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10.50%
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60 Months
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11.00%
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66 Months*
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599 or lower
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14.50%
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36 Months
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15.00%
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48 Months
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15.50%
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60 Months
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16.00%
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66 Months*
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| Used Auto/Boat |
680 or higher
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5.50%
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—
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650-679
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7.75%
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—
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600-649
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10.00%
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—
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550-599
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15.50%
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—
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549 or lower
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18.00%
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—
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*Financing $18,000.00 or more
*If approved - members that are financing up to 66 months on used autos and 66 or 72 months on new autos - GAP protection will be atumatically added to these loans.
- Members with 550 or lower Beacon scores, if approved, may be able to receive 85% financing.
- Members with 551 or higher Beacon scores, if approved, may be able to receive 100% financing.
- Members that have been out of bankruptcy for 7 years, if approved, may be able to receive a loan up to $12,000.00.
- Members with no Beacon score, if approved, may be able to receive a loan up to $12,000.00.
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