Savings

Type of Account	Term	Rate	APY
Regular Share* (first quarter)	Daily	0.25 %	0.25 %
Share - A (first quarter)	Daily	0.50 %	0.50 %
Vacation (first quarter)	Daily	0.50 %	0.50 %
Bonus Insured**	Daily	0.75 %	0.76 %
IRA (second quarter)	Daily	3.00 %	3.04 %
Christmas Club	Daily	0.50 %	0.50 %
Super Santa Savers	Daily	0.50 %	0.50 %

*Regular Share minimum balance $5.
**Bonus Insured minimum balance $1500.
Minimum balance to earn dividends on Regular Share, Share - A, and Vacation is $250.

Certificates

Term	APR	APY
6 Months	2.00 %	2.02 %
12 Months	2.00 %	2.02 %
24 Months	2.20 %	2.22 %
36 Months	2.20 %	2.22 %

$500 minimum purchase for all CD's

Click for Loan Terms and Conditions

Loans

Collateral must be titled.

Loan Type	Term	APR
new vehicles	up to 84 months	5.80 % - 7.50 %
used vehicles	up to 72 months	6.20 % - 8.75 %

2003-2008 100% of retail blue book

Other Loans

Loan Type	Term	APR
Shared Secured	upto 48 months	4.05 %
Line of Credit		10.92 %
visa		10.92 %

Double Wide Homes

Type	Term	APR
new	up to 20 years	9.90 %
used	up to 15 years	10.50 %

5 year balloon loan, appraised & down payment required

rv's, camper/trailer, boats & motor homes (new & used)

Amount		Term
up to $15,000		up to 8 years
$15,001 - $40,000		up to 15 years
$40,001 - $80,000		up to 20 years

Rates determined by year using vehicle loan rates. 5 year balloon loan, down payment required for loans over 5 years..