Share Account Rates
|
|
Account
|
Dividend Rate
|
Annual Percentage Yield
|
|
|
|
Share Savings
|
.10%
|
.10%
|
|
IRA Savings
|
.75%
|
.75%
|
|
Custom Shares
|
.10%
|
.10%
|
|
Christmas Club
|
.15%
|
.15%
|
|
Money Market Account Rates - $2,500 Minimum
|
|
Balance
|
Dividend Rate
|
Annual Percentage Yield
|
|
|
|
$2,500-$9,999.99
|
0.50%
|
0.50%
|
|
$10,000-24,999.99
|
0.60%
|
0.60%
|
|
$25,000-$39,999.99
|
0.70%
|
0.70%
|
|
$40,000-74,999.99
|
0.75%
|
0.75%
|
|
$75,000+
|
0.99%
|
1.00%
|
|
High Yield Money Market Account - $25,000 Minimum
|
|
Minimum
|
Annual Percentage Rate
|
Annual Percentage Yield
|
|
|
|
<$25,000
|
0.00%
|
0.00%
|
|
$25,000-$39,999.99
|
0.99%
|
1.00%
|
|
$40,000-$74,999.99
|
1.09%
|
1.10%
|
|
$75,000-$149,999.99
|
1.14%
|
1.15%
|
|
$150,000+
|
1.24%
|
1.25%
|
|
Sand Dollar Club Share Certificates (CDs) - $200 Minimum
|
|
Term
|
Dividends Rate
|
Annual Percentage Yield
|
|
|
|
12 Month
|
1.24%
|
1.25%
|
|
Wave Riders Club Share Certificates (CDs) - $200 Minimum
|
|
Term
|
Dividends Rate
|
Annual Percentage Yield
|
|
|
|
12 Month
|
1.24%
|
1.25%
|
|
Regular Share Certificates (CDs) Rates - $1000 Minimum
|
|
Term
|
Dividend Rate
|
Annual Percentage Yield
|
|
|
|
3 month
|
0.25%
|
0.25%
|
|
6 month
|
0.50%
|
0.50%
|
|
12 month
|
1.24%
|
1.25%
|
|
24 month
|
1.49%
|
1.50%
|
|
36 month
|
1.735%
|
1.75%
|
|
48 month
|
1.98%
|
2.00%
|
|
60 month
|
2.47%
|
2.50%
|
|
|
|
|
|
|
|
|
|
Petite Share Certificates (CDs) Rates - $40,000 Minimum
|
|
Term
|
Dividend Rate
|
Annual Percentage Yield
|
|
|
|
12 month
|
1.24%
|
1.25%
|
|
24 month
|
1.49%
|
1.50%
|
|
36 month
|
1.735%
|
1.75%
|
|
48 month
|
1.98%
|
2.00%
|
|
60 month
|
2.47%
|
2.50%
|
|
Jumbo Share Certificates (CDs) Rates - $75,000 Minimum
|
|
Term
|
Dividend Rate
|
Annual Percentage Yield
|
|
|
|
12 month
|
1.49%
|
1.50%
|
|
24 month
|
1.735%
|
1.75%
|
|
36 month
|
1.98%
|
2.00%
|
|
48 month
|
2.22%
|
2.25%
|
|
60 month
|
2.96%
|
3.00%
|
|
IRA Share Certificates (CDs) Rates - $1000 Minimum
|
|
Account
|
Dividend Rate
|
Annual Percentage Yield
|
|
|
|
12 Month
|
1.49%
|
1.50%
|
|
24 Month
|
1.735%
|
1.75%
|
|
36 Month
|
1.98%
|
2.00%
|
|
48 Month
|
2.22%
|
2.25%
|
|
60 Month
|
2.96%
|
3.00%
|
|
Loan Rates are subject to change at any time. (Effective January 1, 2010)
|
|
Type of Loan
|
APR Fixed as low as
|
Term
|
|
|
|
Boat, Camper, Car, Jet Ski, Motorcycle, RV, SUV, Travel Trailer, Truck or Van (New or Used ***)
|
3.75%* **
|
24 Months
|
|
Boat, Camper, Car, Jet Ski, Motorcycle, RV, SUV, Travel Trailer, Truck or Van (New or Used ***)
|
4.00%* **
|
36 Months
|
|
Boat, Camper, Car, Jet Ski, Motorcycle, RV, SUV, Travel Trailer, Truck or Van (New or Used ***)
|
4.25%* **
|
48 Months
|
|
Boat, Camper, Car, Jet Ski, Motorcycle, RV, SUV, Travel Trailer, Truck or Van (New or Used ***)
|
4.49%* **
|
60 Months
|
|
Boat, Car, RV, SUV, Travel Trailer, Truck or Van (New or Used***)
|
5.49%* **
|
72 Months
|
|
Boat, Car, RV, SUV, Travel Trailer, Truck or Van (New or Used***)
|
6.75%* **
|
84 Months
|
|
Boat, RV & Travel Trailer (New or Used***)
|
8.00%* **
|
96 Months
|
|
Boat, RV & Travel Trailer (New or Used***)
|
9.00%* **
|
108 Months
|
|
Boat, RV & Travel Trailer (New or Used***)
|
10.00%* **
|
120 + Months
|
|
Signature Line of Credit
|
8.25%
|
N/A
|
|
Signature
|
7.99%
|
N/A
|
|
Certificate Secured
|
Floor of 6.00%
|
N/A
|
|
*Rate includes a .50% discount for having taken advantage of our Rate Rewards Program.
|
The maximum discount for any one member is 0.60%.
|
|
|
**Subject to individual credit worthiness and other qualifications, as deemed necessary.
|
|
|
|
*** An additional 1% is added to the rate for Models 2002 or older.
|
|
|
|
Mortgage & Home Equity Loan Rates
|
|
Type
|
APR as low as
|
Annual Percentage Yield
|
|
|
|
For current rates see
|
Mortgage
|
web page.
|
|
|