Rates
Certificate of Deposit Rates
Savings and Deposit Rates
Consumer Loan Rates
VISA Credit Card Rates
Mortgage Loan Rates
| Term | Minimum | APR | APY |
| 3 month | $1,000.00 | 0.15% | 0.15% |
| 6 month | $1,000.00 | 0.20% | 0.20% |
| 1 year | $1,000.00 | 0.40% | 0.40% |
| 18 month | $1,000.00 | 0.55% | 0.55% |
| 2 year | $1,000.00 | 0.70% | 0.70% |
| 30 month | $1,000.00 | 0.70% | 0.70% |
| 3 year | $1,000.00 | 0.80% | 0.80% |
| 4 year | $1,000.00 | 1.00% | 1.00% |
| 5 year | $1,000.00 | 1.34% | 1.35% |
| 1 year IRA | $ 500.00 | 0.40% | 0.40% |
| 18 month IRA | $ 500.00 | 0.55% | 0.55% |
| 2 year IRA | $ 500.00 | 0.70% | 0.70% |
| 30 month IRA | $ 500.00 | 0.70% | 0.70% |
| 3 year IRA | $ 500.00 | 0.80% | 0.80% |
| 4 year IRA | $ 500.00 | 1.00% | 1.00% |
| 5 year IRA | $ 500.00 | 1.34% | 1.35% |
|
Rates and Annual Percentage Yields are accurate as of May 16th, 2013 For more information about fees and terms, please contact a Member Services representative at 205-226-3900. |
|||
|
Minimum |
Prospective |
Annual |
|
| Share Savings |
$100.00 |
|
|
|
Tier 1-$100,000.00 or more |
|
0.45% |
0.45% |
|
Tier 2-$75,000.00 - $99,999.99 |
|
0.40% |
0.40% |
|
Tier 3-$40,000.00 - $74,999.99 |
|
0.30% |
0.30% |
|
Tier 4-$10,000.00 - $39,999.99 |
|
0.20% |
0.20% |
| Tier 5-$100.00 - $9,999.99 |
0.15% |
0.15% |
|
| Tier 6-$0.00 - $99.99 |
0.00% |
0.00% |
|
| Club Savings |
$100.00 |
|
|
|
Tier 1-$100,000.00 or more |
|
0.45% |
0.45% |
|
Tier 2-$75,000.00 - $99,999.99 |
|
0.40% |
0.40% |
|
Tier 3-$40,000.00 - $74,999.99 |
|
0.30% |
0.30% |
|
Tier 4-$10,000.00 - $39,999.99 |
|
0.20% |
0.20% |
| Tier 5-$100.00 - $9,999.99 |
0.15% |
0.15% |
|
| Tier 6-$0.00 - $99.99 |
0.00% |
0.00% |
|
| IRA Club |
No Minimum Balance |
0.60% |
0.60% |
| Money Market Magic |
$1000.00 |
|
|
|
Tier 1-$100,000.00 or more |
|
0.55% |
0.55% |
|
Tier 2-$ 40,000.00-$ 99,999.99 |
|
0.40% |
0.40% |
|
Tier 3-$ 2,500.00-$ 39,999.99 |
|
0.25% |
0.25% |
| Tier 4-$1,000.00-$2,499.99 |
0.00% |
0.00% |
|
| Checking (Truncated and Non-truncated) |
$500.00 |
0.10% |
0.10% |
|
|
|||
|
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 |
|||
Loan Rates
All rates expressed as Annual Percentage Rate (APR) and are subject to change without notice. Please call our Loan Department at (205) 226-3900 for current rates. We are an Equal Housing and Equal Opportunity Lender.
Rates are current as of May 16th, 2013.
Consumer Loan Rates Type of Loan A.P.R. * Maximum Maximum Term 36 Months: 2.30% MSRP (Manufacturer's Suggested Retail Price) Verification of 6-month 72 months 36 Months: 2.85% 72 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: 4.00% 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 10.00% 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: 2.40%
60 Months: 2.75%
72 Months: 3.20%
(Over $25,000)
84 Months: 3.75%
(Available to
Qualifying Members Only,
Over $30,000)
Collision Insurance
Coverage
Used Auto (3 model years or older), Passenger,
Custom/Cargo Vans,
Pickups. Models listed
currently at NADA.
48 Months: 3.10%
60 Months: 3.35%
72 Months: 3.60%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 4.00%)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)
$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 |
|
Platinum Preferred w/ ScoreCard Bonus Points
|
Intro Rate: 4.99% for first 6 months; after that 9.50% |
25 days |
None |
|
Platinum w/ ScoreCard Bonus Points |
11.95% |
25 days |
None |
|
Classic |
16.8% |
25 days |
None |
***Please call the Mortgage Department for current Mortgage Rates at 205-226-3902
****Loan to Value determined by Appraised Value or Purchase Price
| Real Estate | Rate*** | Loan to Value**** | Term |
|
5 year fixed 10 year fixed 15 year fixed |
1st Mortgage: 1st Mortgage: 1st Mortgage: |
90% 90% 90% |
60 months 120 months 180 months |
| Quick Home Equity Line of Credit |
1st Mortgage: 2nd Mortgage: |
90% | 180 months |
| Unimproved Property | 1st Mortgage: | 85% | 180 months |
| Variable Rate Closed-End Mortgages Type II | |||
| 15 year Variable |
1st Mortgage:
|
90% |
180 months |
*APR - Annual Percentage Rate
*APY - Annual Percentage Yield
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