Certificate of Deposit Rates
Savings and Deposit Rates
Consumer Loan Rates
VISA/MasterCard Rates
Mortgage Loan Rates
| Term | Minimun | APR | APY |
| 3 month | $1,000.00 | 1.00% | 1.00% |
| 6 month | $1,000.00 | 1.34% | 1.35% |
| 1 year | $1,000.00 | 1.69% | 1.70% |
| 18 month | $1,000.00 | 1.74% | 1.75% |
| 2 year | $1,000.00 | 1.99% | 2.00% |
| 30 month | $1,000.00 | 2.18% | 2.20% |
| 3 year | $1,000.00 | 2.33% | 2.35% |
| 4 year | $1,000.00 | 2.53% | 2.55% |
| 5 year | $1,000.00 | 2.97% | 3.00% |
| 1 year IRA | $ 500.00 | 1.69% | 1.70% |
| 18 month IRA | $ 500.00 | 1.74% | 1.75% |
| 2 year IRA | $ 500.00 | 1.99% | 2.00% |
| 30 month IRA | $ 500.00 | 2.18% | 2.20% |
| 3 year IRA | $ 500.00 | 2.33% | 2.35% |
| 4 year IRA | $ 500.00 | 2.53% | 2.55% |
| 5 year IRA | $ 500.00 | 2.97% | 3.00% |
|
Rates and Annual Percentage Yields are accurate as of February 25, 2010. For more information about fees and terms, please contact a Member Services representative at 205-226-3904. |
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|
Minimum |
Prospective |
Annual |
|
| Share Savings |
$100.00 |
|
|
|
Tier 1-$100,000.00 or more |
|
1.34% |
1.35% |
|
Tier 2-$75,000.00 - $99,999.99 |
|
1.15% |
1.15% |
|
Tier 3-$40,000.00 - $74,999.99 |
|
1.00% |
1.00% |
|
Tier 4-$10,000.00 - $39,999.99 |
|
0.75% |
0.75% |
| Tier 5-$100.00 - $9,999.99 |
0.50% |
0.50% |
|
| Tier 6-$0.00 - $99.99 |
0.00% |
0.00% |
|
| Club Savings |
$100.00 |
|
|
|
Tier 1-$100,000.00 or more |
|
1.34% |
1.35% |
|
Tier 2-$75,000.00 - $99,999.99 |
|
1.15% |
1.15% |
|
Tier 3-$40,000.00 - $74,999.99 |
|
1.00% |
1.00% |
|
Tier 4-$10,000.00 - $39,999.99 |
|
0.75% |
0.75% |
| Tier 5-$100.00 - $9,999.99 |
0.50% |
0.50% |
|
| Tier 6-$0.00 - $99.99 |
0.00% |
0.00% |
|
| IRA Club |
$100.00 |
|
|
|
Tier 1-$100,000.00 or more |
|
1.34% |
1.35% |
|
Tier 2-$75,000.00 - $99,999.99 |
|
1.15% |
1.15% |
|
Tier 3-$40,000.00 - $74,999.99 |
|
1.00% |
1.00% |
|
Tier 4-$10,000.00 - $39,999.99 |
|
0.75% |
0.75% |
| Tier 5-$100.00 - $9,999.99 |
0.50% |
0.50% |
|
| Tier 6-$0.00 - $99.99 |
0.00% |
0.00% |
|
| Money Market Magic |
$1000.00 |
|
|
|
Tier 1-$100,000.00 or more |
|
1.34% |
1.35% |
|
Tier 2-$ 40,000.00-$ 99,999.99 |
|
1.15% |
1.15% |
|
Tier 3-$ 2,500.00-$ 39,999.99 |
|
0.75% |
0.75% |
| Tier 4-$1,000.00-$2,499.99 |
0.00% |
0.00% |
|
| Checking (Truncated and Non-truncated) |
$500.00 |
0.25% |
0.25% |
|
|
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|
All accounts listed above are variable rate accounts. Rates on these accounts are subject to change and additional qualifications, terms, and transaction limitations may apply. Annual percentage yields may vary based on actual account balances. *Average Daily Balance |
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Loan Rates
All rates expressed as Annual Percentage Rate (APR) and are subject to change without notice. Please call our Loan Department at (205) 226-3909 for current rates. We are an Equal Housing and Equal Opportunity Lender.
Rates are current as of January 10, 2010.
Consumer Loan Rates Type of Loan A.P.R. * Maximum Maximum Term 36 Months - 4.90% MSRP (Manufacturer's Suggested Retail Price) Verification of 6-month 72 months 36 Months - 5.95% 48 Months - 6.25% 60 months - 6.75% 60 months 60 Months - 7.25% 120 months 60 Months - 7.75% 120 months 60 Months - 7.50% 120 months 60 Months - 8.00% 60 months 60 Months - 6.50% 60 months 0-60 Months - 4.95% 60 months 2% Above Rate Maturity Date of CD 48 Months - 11.90% 48 months 60 Months - 7.25% 60 months 60 Months - 7.50% 60 months 36 Months - 9.25% 36 months 1-24 Months - 10.75% 48 months 11.95% Open 12.90% Open 9.95% 3 months
** Down Payment Requirement - N/A
The Annual Percentage Rate (APR) you receive will be based on your credit worthiness at the time of the loan. Please ask us about your qualifying rate.
Loan Amt.
New Auto (Current or up to 2 yrs. old), Passenger,
Custom, Cargo Vans,
Pickups
48 Months - 5.00%
60 Months - 5.50%
72 Months - 5.75%
(Over $25,000)
Collision Insurance
Coverage
Used Auto (3 model years or older), Passenger,
Custom/Cargo Vans,
Pickups. Models listed
currently at NADA.
100% of NADA
Retail Value
New Motor Homes
61-120 Months - 8.00%
(Maximum $75,000)90% of List Price
New Travel Trailers - Never registered, regardless of
yr or current model yr refinanced within 60 days
of purchase.
61-120 Months - 9.00%
(Maximum $50,000) 85% of List Price
Used Motor Homes. Models
listed currently at NADA.
61-120 Months - 8.00%NADA used retail value
Used Travel Trailers Models
listed in current NADA Guide
(Maximum $25.000)NADA used retail value
May Require Appraisal
New Motorcycle. Never
registered, regardless
of year.
Current Model Year
Shares Pledged
Shares = to loan balance
Certificate of Deposit
(Minimum 4.95%)100% of Certificate minus the amount of interest due on One Payment Loans
CoMaker
$5,000.00
New Boats, Personal Watercraft Never registered, regardless of year, of current model
year refinanced within 60 days of purchase
Used Boats & Personal
Watercraft
NADA Average Retail
May Require Appraisal
New Furniture
$10,000.00
Signature
(Closed End)
36 Months - 11.00%
48 Months - 11.25%$10,000.00
Signature
(Open End-PSL)
$10,000.00
Signature
(Overdraft Protection)
Signature
(Single-Payment)
$10,000.00
| Type of Card | A.P.R* | Grace Period | Annual Fees |
| Classic | 11.95% | 25 days | None |
Mortgage Loan Rates
**Down Payment Requirement - N/A
| Real Estate | Rate* | Loan to Value | Term |
| 15 year fixed | 1st Mortgage- 5.00% APR 2nd Mortgage- 5.50% APR |
90% of Appraised Value 90% of Appraised Value |
60 months 60 months |
| 20-30 year variable | 1st Mortgage- 6.25% APR 2nd Mortgage- 6.50% APR |
80% of Appraised Value 70% of Appraised Value |
30 years 30 years |
| Quick Equity Line of Credit |
6.00% APR (Variable) | 90% of Tax Notice | |
| Unimproved Property | 1st Mortgage- 7.75% APR (Variable) | 75% of Appraised Value | 10 years |
| Variable Rate Closed-End Mortgages Type II | |||
| 15 year variable | 1st Mortgage - 5.75% APR 2nd Mortgage - 6.50% APR |
90% of Appraised Value 75% of Appraised Value |
15 years 15 years |
*APR - Annual Percentage Rate
*APY - Annual Percentage Yield
