CURRENT RATES

Click here for all rates - effective as of 07-01-09

Checking & Savings Rates

Account Type

Base Rate

APY*

Better Than Free Checking
If daily balance is $500+		.05%.05%
Preferred and Prime Time Checking
Balances between
$500-$4,999
$5,000-$14,999
$15,000-$24,999
$25,000+
.05%
.10%
.15%
.20%
.05%
.10%
.15%
.20%
Better Business Checking Balances between
$500-$4,999
$5,000-$14,999
$15,000-$24,999
$25,000+		.05%
.10%
.15%
.20%		.05%
.10%
.15%
.20%
Preferred Daily Income
$0-$1,999
$2,000-$9,999
$10,000-$24,999
$25,000-$49,999
$50,000+ 		.55%
.75%
.90%
1.14%
1.34%		.55%
.75%
.90%
1.15%
1.35%
Regular Share Account .55%.55%
Youth Account .55%.55%
Holiday/Property Tax Account3.10%3.10%
Tax Account .55%.55%
IRA Share Account 1.49% 1.50%
Health Savings Account
$0-$999
$1,000-$2,499
$2,500-$4,999
$5,000-$9,999
$10,000-$24,999
$25,000+ 		5.84%
3.93%
3.93%
3.93%
3.93%
3.93%		6.00%
4.00%
4.00%
4.00%
4.00%
4.00%
Vacation Club Account1.75% 1.75%
See actual rate sheet for terms & conditions.

CD Rates

Share Certificate

Base Rate

APY*

6-11 Month 1.44%1.45%
12-17 Month 1.59%1.60%
18-23 Month 1.69%1.70%
24-35 Month 2.13%2.15%
36-47 Month 2.32%2.35%
48-59 Month 2.86%2.90%
60-71 Month 3.00%3.05%
72+ Month 3.10%3.15%
See actual rate sheet for terms & conditions.

Jumbo CD Rates

Share Certificate

Base Rate

APY*

12-17 Month 1.69%1.70%
18-23 Month 1.78%1.80%
24-35 Month 2.23%2.25%
36-47 Month 2.42%2.45%
48-59 Month 2.96%3.00%
60-71 Month 3.10%3.15%
72+ Month 3.20%3.25%
See actual rate sheet for terms & conditions.

Smart Growth CD

Term

Base Rate

APY*

36 Month 2.50%2.53%
60 Month 2.66%2.70%
84 Month 2.81%2.85%
See actual rate sheet for terms & conditions.

Vehicle Loan Rates

Auto Loan Rates

Account Type

Interest Rate

Terms (months)

New Auto5.00%-18.00% f0-72
Used Auto5.50%-18.00% f0-72
New Auto4.00%-17.00%v0-84
Used Auto4.50%-17.50%v0-84

Motorcycle Loan Rates

Account Type

Interest Rate

Terms (months)

New Motorcycle6.00%-16.50% v
6.75%-18.00% f		0-72
0-48
Used Motorcycle7.00%-18.00% v
7.75%-18.00% f		0-60
0-48

Recreational Vehicle & Boat Rates

Account Type

Interest Rate

Terms (months)

New RVs & Boats 6.75%-17.25% v
8.00%-18.00% f 		0-2402
0-60
Used RVs & Boats6.75%-17.25% v
8.00%-18.00% f 		0-2402
0-60

Home Equity Lines of Credit

Account Type

APR (variable)

Percent Financing

Terms (years)

Preferred Equity Line of Credit
First Equity

4.75%-8.75%

5.50%-9.50%

80%

90%

0-18

0-30

Preferred Equity Line of Credit
Second Equity

5.50%-9.50%

6.25%-10.25%

75%

85%

0-12

0-20

Home Advantage Line of Credit8.50%-12.75%—0-10
Non-Owner Occupied Loans
First Deed		8.00%80%0-20
Non-Owner Occupied Loans
Second Deed		9.50%75%0-20

Fixed Rate Home Loans

Account Type

APR (fixed)

Percent Financing

Terms (year)

Preferred Equity Home Loan5.50%-14.50%80%0-7
See actual rate sheet for terms & conditions.

Miscellaneous Loan Rates


Account Type

Interest Rate

Terms (months)

Happy Days Loan

5.00%-16.00% v

Up to 60

Happy Days Business Loan

5.00%-16.00% v

Up to 60

Student Loan

5.50% v

Up to 84

Personal Loan

10.00%-18.00% v

Up to 60

Personal Line of Credit

9.00%-17.00% v

- -

Preferred/Business Visa Credit Card

8.75%-18.00% v

- -

Secured Visa Credit Card

4.00% f

- -

Agency Business Loans

as low as 8.00%*

Avaiable as a line of credit or a term loan for up to 10 years

Contract Value Loan
For Farmers Agents Only

as low as 5.99%

from 12 months to 10 years

Commercial Real Estate Loans

Call for
current rates

25 year amortization
15 year balloon

See actual rate sheet for terms & conditions.

 

 
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