CURRENT RATES

Click here for all rates - effective as of 03/01/10

Checking & Savings Rates

Account Type

Base Rate

APY*

Better Than Free Checking
If daily balance is $500+		.02%.02%
Preferred and Prime Time Checking
Balances between
  
$500-$4,999.03%.03%
$5,000-$14,999.05%.05%
$15,000-$24,999.10%.10%
$25,000+.15%.15%
Better Business Checking Balances between
  
$500-$4,999.00%.00%
$5,000-$14,999.03%.03%
$15,000-$24,999.05%.05%
$25,000+.10%.10%
Preferred Daily Income


$0-$1,999.35% .35%
$2,000-$9,999.50% .50%
$10,000-$24,999.55%.55%
$25,000-$49,999.75%.75%
$50,000+ .90%.90%
Regular Share Account .35%.35%
Youth Account .35%.35%
Holiday/Property Tax Account1.75%1.75%
Tax Account .35%.35%
IRA Share Account .90% .90%
Health Savings Account


$0-$9993.93% 4.00%
$1,000-$2,4991.49% 1.50%
$2,500-$4,9991.49% 1.50%
$5,000-$9,9991.49% 1.50%
$10,000-$24,9991.49% 1.50%
$25,000+ 1.49% 1.50%
Vacation Club Account1.75% 1.75%
 
See actual rate sheet for terms & conditions.

CD Rates

Share Certificate

Base Rate

APY*

6-11 Month 1.04%1.05%
12-17 Month 1.09%1.10%
18-23 Month 1.29%1.30%
24-35 Month 1.59%1.60%
36-47 Month 1.98%2.00%
48-59 Month 2.32%2.35%
60-71 Month 2.52%2.55%
72+ Month 2.57%2.60%
See actual rate sheet for terms & conditions.

Jumbo CD Rates

Share Certificate

Base Rate

APY*

12-17 Month 1.09%1.10%
18-23 Month 1.29%1.30%
24-35 Month 1.59%1.60%
36-47 Month 1.98%2.00%
48-59 Month 2.32%2.35%
60-71 Month 2.52%2.55%
72+ Month 2.57%2.60%
See actual rate sheet for terms & conditions.

Smart Growth CD

Term

Base Rate

APY*

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

Vehicle Loan Rates

Auto Loan Rates

Account Type

Interest Rate

Terms (months)

New Auto4.50%-18.00% f0-72
Used Auto5.00%-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
0-72
6.75%-18.00% f0-48
Used Motorcycle7.00%-18.00% v
0-60
7.75%-18.00% f0-48

Recreational Vehicle & Boat Rates

Account Type

Interest Rate

Terms (months)

New RVs & Boats6.75%-17.25% v
0-240
7.00%-18.00% f 0-60
Used RVs & Boats 6.75%-17.25% v
0-240
7.00%-18.00% f 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%

Up to 80%

0-18

5.50%-9.50%Up to 90%0-30
Preferred Equity Line of Credit
Second Equity

5.50%-9.50%

Up to 75%

0-12

6.25%-10.25%Up to 85%0-20
Home Advantage Line of Credit8.50%-12.75%—0-10
Non-Owner Occupied Loans
First Deed		8.00%Up to 80%0-20
Non-Owner Occupied Loans
Second Deed1,3,8,9		9.50%Up to 75%0-20
 
 

Fixed Rate Home Loans

Account Type

APR (fixed)

Percent Financing

Terms (year)

Preferred Equity Home Loan

5.50%-13.75%

5.75%-14.00%

Up to 75%

Up to 75%

0-7

0-10

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% f

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 5.00%*

Available 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.

 

 

WHAT'S NEW?

  Don't Forget... Daylight Savings Starts This Sunday

And speaking of savings — we're offering great rates for Certificates, IRAs & Health Savings Accounts.

  Join us at our 69th Annual Meeting!

6:00 pm on Tuesday, March 30th — call (toll-free) 866.236.6968 for tickets

Need a Home Equity Loan?

Learn more about our 10 year loan, as low as 5.75% APR.

Time To Buy A New Car?

Learn more about our auto loan rate of 4.00% APR and used auto loan rate of 4.50% APR.
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