Rates

LOAN RATES  |  SAVINGS & INVESTMENT RATES

ASK ABOUT CURRENT LOAN SPECIALS Loan Rates listed are effective November 14. 2007 and subject to change without notice.  Certain restrictions apply.  Stated rates apply to borrowers who meet specific loan policy guidelines. Your rate may vary. Ask about Preferred Member Discounts!

AUTO LOAN RATES  TYPE TERM % FINANCED ANNUAL PERCENTAGE RATE  New  36-72 months up to 100% 5.45% – 11.45% Used (1 year old) 72 months up to 100% 6.64% – 12.64% Used (1-4 years old) up to 60 months up to 100% 5.45% – 11.45% Used (5-7 years old) up to 48 months up to 100% 8.49% – 14.49% Classic Autos up to 60 months up to 80% of certified appraisal    9.49% Special Auto Rates as low as 4.95% APR are in effect through Jan 20, 2009!  Ask for details!  WATERCRAFT LOAN RATES  TYPE TERM % FINANCED ANNUAL PERCENTAGE RATE  New  60-120 months up to 90% 6.99% – 13.99% Used 36-60 months up to 90% 7.50% – 14.50%   MOTORCYCLE / TWO-WHEEL VEHICLE LOAN RATES  TYPE TERM % FINANCED ANNUAL PERCENTAGE RATE  New  up to 60 months up to 100% 6.90% – 12.90% Used up to 48 months up to 100% 7.90% – 13.90%   RECREATIONAL VEHICLE / MOTOR HOME LOAN RATES  TYPE TERM % FINANCED ANNUAL PERCENTAGE RATE  New  84-180 months up to 80% 8.00% – 15.50% Used 60-120 months up to 80% 8.25% – 15.75%   ELECTRONICS LOAN RATES  TYPE TERM   ANNUAL PERCENTAGE RATE  Computers, TVs, satellites, etc.  New only! up to 12 months   8.90% – 14.90% up to 36 months   9.90% – 16.90%   PERSONAL LOAN RATES  TYPE TERM   ANNUAL PERCENTAGE RATE  New  12-60 months   7.68% – 18.00%   OTHER LOAN RATES  TYPE     ANNUAL PERCENTAGE RATE  Checking Overdraft Protection Loan       12.00% SmartLine Line-of-Credit Loan  Rates as Low as    8.49% Share Secured Loan Current Share Rate + 3.00% Certificate Secured Loan Current CD Rate + 5.00%   HOME EQUITY LOAN RATES  TYPE     ANNUAL PERCENTAGE RATE  Closed-end/Fixed-rate * Call for fees and terms                      6.25% - 12.25%            *Example of Pmts: 60 Mo. Fixed Rate Equity Loan For $10,000 with APR of 6.25% would be repaid @ $195.00 monthly (principal and interest) Back to Top

NOTE:  Savings Rates listed are effective September 17, 2008 and subject to change without notice.  SAVINGS RATES  #  ACCOUNT TYPE MINIMUM BALANCE DIVIDEND FREQUENCY DIVIDEND RATE   ANNUAL   PERCENTAGE YIELD      01 Regular Shares*  $25 Monthly* 0.150% 0.150% 03 Young Millionaires Club**  $5 Monthly** 0.150% 0.150% 06 Christmas Club¹   $5 Annually 1.000% 1.000% 07 Vacation Club $25 Monthly 0.100% 0.100% 97 Lighthouse Savings²   $100 Monthly 0.50% 0.501% 75 Checking Account  N/A N/A N/A N/A *$100 Average Daily Balance required to earn dividend **$25 Average Daily Balance required to earn dividend ***Fees may reduce earnings on savings accounts. ¹Christmas Club Interest paid October 31st annually ²Pledge Direct Deposit of at least $25 each payday required. Certain restrictions apply. Ask for details.    REGULAR CERTIFICATE RATES  #  TERM MINIMUM BALANCE INTEREST  FREQUENCY DIVIDEND RATE ANNUAL   PERCENTAGE YIELD      50 Six (6) month CD $2,500 Monthly 2.375% 2.40% 51 Builder CD (limit 2 per member) $1,000 Monthly 1.250% 1.257% 52 One (1) year CD  $2,500 Monthly 2.570% 2.60% 54 Two (2) year CD $2,500 Monthly 2.670% 2.70%    UNDERGRADUATE CERTIFICATE RATES³  #  TERM MINIMUM BALANCE³ INTEREST  FREQUENCY DIVIDEND RATE ANNUAL   PERCENTAGE YIELD      56 Six (6) month CD $500 Monthly 2.375% 2.40% 57 One (1) year CD  $500 Monthly 2.570% 2.60% 58 Two (2) year CD $500 Monthly 2.670% 2.70% ³For members age 18 or less, $500 minimum, deposited to owner's Primary Account Number ***Early withdrawal penalties may apply Back to Top