| Home Equity Loans | | Loan Type | APR | Maximum Terms | Minimum Amount | Maximum Amount | Line of Credit: 80% of Appraised value minus 1st Mortgage Based On WSJ Prime | 4.00% | 120 Months | $ 5,000 | $ 75.000 | Fixed Rate | | 85% of Appraised value minus 1st Mortgage | 5.50% | 60 Months | $ 5,000 | $ 75,000 | | 85% of Appraised value minus 1st Mortgage | 5.99% | 120 Months | $ 5,000 | $ 75,000 | * ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
**Refinancing not available on existing loans. |
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| Unsecured Loans | | Loan Type | APR | Maximum Terms | Maximum Amount | | Closed-End Signature | 12% | Up to 48 Months | $ 7,500* | | Closed-End Signature | 10.5% | Up to 36 Months | $ 7,500 | | Closed-End Signature | 9% | Up to 24 Months | $ 5,000 | | Open-End Signature | 12% | Up to 48 Months | $ 7,500* | .The maximum unsecured limit is $7,500 per member and co-borrower.
*Stiplulates debt ratio of 40% or below to borrow maximum amount.
.The unsecured limit depends on job security, stability, ability to repay, and credit history.
.The maximum term on unsecured loans is 48 months.
.Payment must be compatible with 48 month term. | * ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
**Refinancing not available on existing loans. |
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| Checking and Savings | | Power Checking | | $500.00 Minimum balance to earn interest | | Balance | APR | APY | | $500 - $2,499.00 | .50% | .50% | | $2500 - $9,999.00 | .75% | .75% | | $10,000- $24,999.00 | 1.25% | 1.25% | | $25,000+ | 1.51% | 1.50% | | | | Savings Accounts | | $100.00 Minimum balance to earn interest | | Balance | APR | APY | | $100+ | .50% | .50% | | | | Christmas Club Accounts | | $5.00 Minimum balance to earn interest Payout in October of Each Year | | Balance | APR | APY | | All balances | 1.00% | 1.01% | | | | Share Certificates | | $1000.00 Minimum - January 1, 2009 | | Length | APR | APY | | 6 months Call for rates | ---- | ---- | | 1 year Call for rates | ---- | ---- | | 2 years Call for rates | ---- | ---- | | | | * ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE /SOME VENDOR FEES APPLY TO HE LOANS | | ** APR = Annual Percentage Rate | | *** APY = Annual Percentage Yield |
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Home Equity Loans 
