Rates

Certificate of Deposit Rates
Savings and Deposit Rates
Consumer Loan Rates
VISA Credit Card Rates
Mortgage Loan Rates

Certificate of Deposit Rates
Term Minimun APR APY
3 month $1,000.00 0.70% 0.70%
6 month $1,000.00 1.10% 1.10%
1 year $1,000.00 1.29% 1.30%
18 month $1,000.00 1.49% 1.50%
2 year $1,000.00 1.74% 1.75%
30 month $1,000.00 1.89% 1.90%
3 year $1,000.00 2.23% 2.25%
4 year $1,000.00 2.38% 2.40%
5 year $1,000.00 2.72% 2.75%
1 year IRA $   500.00 1.29% 1.30%
18 month IRA $   500.00 1.49% 1.50%
2 year IRA $   500.00 1.74% 1.75%
30 month IRA $   500.00 1.89% 1.90%
3 year IRA $   500.00 2.23% 2.25%
4 year IRA $   500.00 2.38% 2.40%
5 year IRA $   500.00 2.72% 2.75%


Rates for Traditional, Roth and Education IRAs are the same

Rates and Annual Percentage Yields are accurate as of July 29, 2010.  For more information about fees and terms, please contact a Member Services representative at 205-226-3904.


Savings and Deposit Rates
 

Minimum 
ADB* to earn
Dividends

Prospective
Dividend
Rate

Annual
Percentage
Yield
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

 No Minimum Balance

1.00%

1.00%
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%

 

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) 226-3909 for current rates.  We are an Equal Housing and Equal Opportunity Lender.

Rates are current as of July 29, 2010.

Consumer Loan Rates
** 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.

Type of Loan

A.P.R. *

Maximum 
Loan Amt.

Maximum Term 
New Auto (Current or up to 2 yrs. old), Passenger, 
Custom, Cargo Vans, 
Pickups

36 Months: 4.25%
48 Months: 4.50%
60 Months: 4.75%
72 Months: 5.00%
(Over $25,000) 

MSRP (Manufacturer's Suggested Retail Price) Verification of 6-month 
Collision Insurance 
Coverage

72 months
Used Auto (3 model years or older), Passenger,
Custom/Cargo Vans, 
Pickups. Models listed 
currently at NADA.

36 Months: 5.00%

48 Months: 5.25%

60 months: 6.00%

 100% of NADA 
Retail Value

60 months 
New Motor Homes

60 Months: 7.25%
61-120 Months: 8.00%
(Maximum $75,000)

 90% of List Price

120 months
New Travel Trailers - Never registered, regardless of 
yr or current model yr refinanced within 60 days 
of purchase.

60 Months: 7.75%
61-120 Months: 9.00%
(Maximum $50,000)

85% of List Price

120 months
Used Motor Homes. Models 
listed currently at NADA.

60 Months: 7.50%
61-120 Months: 8.00%

 NADA used retail value

120 months
Used Travel Trailers Models 
listed in current NADA Guide

60 Months: 8.00%
(Maximum $25.000)

 NADA used retail value
May Require Appraisal

60 months
New Motorcycle. Never 
registered, regardless 
of year.

60 Months: 6.50%

 Current Model Year

60 months
Shares Pledged

0-60 Months: 4.00% 

 Shares = to loan balance

60 months
Certificate of Deposit

2% Above Rate 
(Minimum 4.00%)

 100% of Certificate minus the amount of interest due on One Payment Loans

Maturity Date of CD
CoMaker

48 Months: 11.90%

 $5,000.00

48 months
New Boats, Personal Watercraft Never registered, regardless of year, of current model 
year refinanced within 60 days of purchase

60 Months: 7.25%

  

60 months
Used Boats & Personal 
Watercraft

60 Months: 7.50%

 NADA Average Retail
May Require Appraisal

60 months
New Furniture

36 Months: 9.25%

 $10,000.00

36 months
Signature 
(Closed End)

1-24 Months: 10.25%
36 Months: 10.50%
48 Months: 10.75%

 $10,000.00

48 months
Signature 
(Open End-PSL)

11.95%

 $10,000.00

Open
Signature 
(Overdraft Protection)

12.90%

  

Open
Signature 
(Single-Payment)

9.95%

 $10,000.00

3 months


VISA Credit Card

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

$10

Mortgage Loan Rates
**Down Payment Requirement - N/A

Real Estate Rate* Loan to Value Term

5 year fixed

10 year fixed

15 year fixed

1st Mortgage: 5.00% APR

1st Mortgage: 5.50% APR

1st Mortgage: 6.00% APR

90% of Appraised Value

90% of Appraised Value

90% of Appraised Value

60 months

120 months

180 months
30 year variable 1st Mortgage: Prime - 1%
2nd Mortgage: Prime - .5%		 90% of Appraised Value
90% of Appraised Value - First Mortgage		 360 months
360 months
Quick Equity 
Line of Credit		 Prime + .25% (Variable) 90% of Tax Notice  180 months
Unimproved Property  1st Mortgage: Prime + .25%(Variable) 85% of Appraised Value 144 months
Variable Rate Closed-End Mortgages Type II
15 year Variable 1st Mortgage: Prime - 1%
2nd Mortgage: Prime - .5%		 90% of Appraised Value
90% of Appraised Value  - First Mortgage		 180 months
180 months

*APR - Annual Percentage Rate
*APY - Annual Percentage Yield