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LOAN RATES
EFFECTIVE APRIL 23, 2008
INSTALLMENT
AUTOS
| 2005 - 2008 |
Term |
Annual Percentage Rates (APR)
As Low As |
Ask How You Can Save
An Additional .50% APR
On Qualifying Loans. |
|
| Up to 37 Months |
5.50% APR |
|
| 38 - 50 Months |
5.50% APR |
|
| 51 - 63 Months |
5.50% APR |
|
| 64 - 75 Months* |
6.90% APR |
|
Term |
Annual Percentage Rates (APR)
As Low As |
Ask How You Can Save
An Additional .50% APR
On Qualifying Loans. |
|
|
| 2001 - 2004 |
Up to 37 Months |
6.40% APR |
|
| | 2002 - 2004 |
38 - 50 Months |
6.40% APR |
| 2003 - 2004 |
51 - 63 Months |
6.40% APR |
| 1988 - 2000 (20 years old) |
Term |
Annual Percentage Rates (APR)
As Low As |
|
| Up to 37 Months |
9.50% APR |
| Classic's (25 years old minimum) |
Term |
Annual Percentage Rates (APR)
As Low As |
|
| Up to 72 Months |
9.00% APR |
* 64 - 75 Month Financing available only on loans of $20,000 or more
|
RECREATIONAL VEHICLES
Recreational Vehicles, Boats,
Motors and Trailers |
Term |
Annual Percentage Rate (APR)
As Low As |
Ask How You Can Save
An Additional .50% APR
On Qualifying Loans. |
| New - 2007 - 2008 Under $25,000 |
Up to 60 months |
7.25% APR |
| Over $25,000 |
Up to 84 months |
8.65% APR |
| Recreational Vehicles Only - Over $25,000 |
Up to 120 months |
9.65% APR |
| Used - Under $25,000 |
Up to 60 months |
8.15% APR |
| Over $25,000 |
Up to 84 months |
9.15% APR |
| Recreational Vehicles Only - Over $25,000 |
Up to 120 months |
10.15% APR |
Motorcycles, ATV's, Snowmobiles
and Personal Watercraft |
Term |
Annual Percentage Rate (APR)
As Low As |
Ask How You Can Save
An Additional .50% APR
On Qualifying Loans. |
| New - 2007 - 2008 |
Up to 48 months |
7.25% APR |
| Motorcycles Only |
Up to 60 months |
7.25% APR |
| Used |
Up to 36 months |
8.15% APR |
| Motorcycles Only |
Up to 60 months |
8.15% APR |
SIGNATURE LOANS
| Signature Loans |
Term |
Annual Percentage Rates (APR)
As Low As |
Ask How You Can Save
An Additional .50% APR
On Qualifying Loans. |
48 months for amounts
greater than $5,000 |
Up to 48 months |
12.75% APR |
| Konstant Kash |
|
11.25% APR |
| VISA Gold |
|
10.80% APR |
| VISA Classic |
|
11.80% APR |
| Secured VISA |
|
12.80% APR |
| Share and Certificate Secured |
|
dividend rate + 3% |
| Computer Loans |
Up to 36 Months |
8.50% APR |
REAL ESTATE LOANS
| First Mortgages |
Term |
Annual
Percentage
Rate (APR) |
| PHH Mortgages |
| Call For Current Rates
563-355-3800 |
| Great Northern Mortgages |
| Call For Current Rates
563-355-3800 |
| In-House (Local Servicing) |
| Call For Current Rates
563-355-3800 |
|
|
| Second Mortgages |
Home Equity Fixed
Maximum 80% Loan to Value |
24 months |
5.50% APR |
|
36 months |
5.75% APR |
|
48 months |
6.00% APR |
|
60 months |
6.25% APR |
|
72 months |
7.50% APR |
|
84 to 120 months |
7.75% APR |
|
Home Equity Line of Credit
Maximum 80% Loan to Value |
15 Year Amortization |
variable |
|
(Prime Rate plus .25%) |
|
| Home Improvement |
24 Months |
7.25% APR |
|
36 Months |
7.50% APR |
|
48 Months |
7.75% APR |
|
60 Months |
7.90% APR |
|
72 Months |
9.25% APR |
|
84 to 120 Months |
9.50% APR |
|
Power Equity
Maximum 100% Loan to Value |
24 Months |
7.00% APR |
|
36 Months |
7.25% APR |
|
48 Months |
7.50% APR |
|
60 Months |
7.75% APR |
|
72 Months |
9.00% APR |
|
84 to 120 Months |
9.25% APR |
| 80/15 Purchase |
120 Months |
9.50% APR |
SHARE RATES
Last Dividend Declaration Date April 1, 2008
| Share Accounts |
Minimum Opening
Balance |
Minimum Average
Daily Balance To
Earn Dividends |
Dividends
Posted |
Dividend Rate |
Annual
Percentage
Yield (APY) |
Regular Share Account
& X-Tra Kash |
$5.00 |
$250.00 |
Monthly |
1.00% |
1.00% |
KARS / TGIF
Share Accounts |
$5.00 |
$5.00 |
Monthly |
1.00% |
1.00% |
Holiday Club
Account |
$5.00 |
$5.00 |
Monthly |
1.00% |
1.00% |
| # Super Share Account |
$2,000.00 |
$2,000.00
$10,000.00
$25,000.00
$100,000.00 |
Monthly
Monthly
Monthly
Monthly |
1.50%
1.75%
2.00%
2.25% |
1.51%
1.76%
2.02%
2.27% |
Interest
Share Draft |
$2,000.00 |
$2,000.00 |
Monthly |
.50% |
.50% |
Members Classic
Share Draft |
$100.00 |
$1,000.00 |
Monthly |
.25% |
.25% |
Members Gold
Share Draft |
None |
$500.00 |
Monthly |
.25% |
.25% |
| # The Dividend Rate is Determined by Balance. |
| Share Certificates |
Minimum Opening
Balance |
Dividends
Posted |
Dividend Rate |
Annual
Percentage
Yield (APY) |
Ask How You Can Earn An
Additional 25 Basis Points
On Qualifying Certificates. |
| 91 Day |
$500.00 |
Maturity |
2.55% |
2.58% |
| 6 Month |
$500.00 |
Monthly |
2.65% |
2.68% |
| 9 Month |
$500.00 |
Monthly |
2.75% |
2.78% |
| 12 Month |
$500.00 |
Monthly |
2.85% |
2.89% |
| 18 Month |
$500.00 |
Monthly |
2.90% |
2.94% |
| 24 Month |
$500.00 |
Quarterly |
2.95% |
2.98% |
| 36 Month |
$500.00 |
Quarterly |
3.05% |
3.09% |
| 60 Month |
$1,000.00 |
Quarterly |
3.15% |
3.19% |
|
| IRA's |
Minimum Opening
Balance |
Dividends
Posted |
Dividend Rate |
Annual
Percentage
Yield (APY) |
Ask How You Can Earn An
Additional 25 Basis Points
On Qualifying IRA's. |
| Variable |
None |
Monthly |
1.75% |
1.76% |
| 12 Month |
$500.00 |
Quarterly |
2.86% |
2.89% |
| 24 Month |
$500.00 |
Quarterly |
2.95% |
2.98% |
| 36 Month |
$500.00 |
Quarterly |
3.05% |
3.09% |
| 60 Month |
$1,000.00 |
Quarterly |
3.15% |
3.19% |
APR = Annual Percentage Rate
APY = Annual Percentage Yield
All Certificates and IRA's automatically renew at the end of their initial term with the exception of the 60 Month Certificate and 60 Month IRA's.
We may impose a penalty if you withdraw from your account before the maturity date.
For detailed information on penalties and other terms, please stop by your local office or call at 563-355-3800.
SUBJECT TO CHANGE WITHOUT NOTICE.
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