Loan Rates

April 11, 2008
Product Term APR
Signature Loans 1 Year+ 8.75%
  2 Years+ 9.25%
  3 Years+ 10.00%
  4 Years+ 11.00%
  5 Years+ 12.00%
  6 Years+ 12.00%
  7 Years+ 12.00%
Line of Credit N/A 13.00%
Visa Platinum Credit Card N/A 8.50%
Visa Classic Credit Card N/A 10.50%
Share Secured Visa Credit Card N/A 7.00%
Consumer Loan-Fixed Rate 5 Year Balloon 13.75%
     
Share Secured Loans    
100% Share Secured 10 Years+ 6.25%
50% Share Secured 7 Years+ 8.00%
25% Share Secured 7 Years+ 9.00%
10% Share Secured 7 Years+ 10.00%
     
Auto Loans    
New - 100% Financing 3 Years+    As low as 5.25%^
Used - 100% Financing 4 Years+ As low as 6.25%^
(Used=Retail Blue Book Value 5 Years+ As low as 6.25%^
Maximum 5 Years) 6 Years*+ As low as 6.25%^
  7 Years**+ As low as 6.25%^
     
Co-Maker Loans 1 Year+ 8.75%
  2 Years+ 9.25%
  3 Years+ 10.00%
  4 Years+ 11.00%
  5 Years+ 12.00%
  6 Years+ 12.00%
  7 Years+ 12.00%
     
For current rates on Mortgages and our Home Equity Line of Credit, please call our Loan Department at (808)245-6791.
*Six-year term available for auto loans exceeding $20,000. **Seven-year term available for auto loans exceeding $30,000. Annual Percentage Rate is subject to change without notice. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. +This is an open-end product. The term is used only to calculate payment under the open-end sub account. ^Rate based on your credit history. Certain terms & conditions apply.

 


Dividend Rates

May 10, 2008
Account Name Min. Balance to Earn Dividends APY  
Share Savings $100.00 1.50%  
Sub Shares $100.00 1.50%  
Multiple Signature $100.00 1.50%  
Christmas Club N/A 1.50%  
Share Draft Checking N/A .50%  
IRA Share $100.00 1.50%  
Roth IRA Share $100.00 1.50%  
Roth Conversion IRA Share $100.00 1.50%  
Coverdell ESA Share $100.00 1.50%  
CUMMSA - $2000 or more   1.50%  
CUMMSA - Less than $2000   1.00%  
Premier CUMMSA $25,000.00 2.25%  
       

 

APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. For CUMMSA accounts, dividends are credited to your account and compounded monthly. For all other share accounts, dividends are credited to your account and compounded every quarter. Fees or other conditions could reduce the earnings on the account. This schedule is incorporated as a part of your account agreement with your Credit Union. Minimum balance requirements apply to average daily balance (amount of principal in account each day). All savings rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.

 

Share and IRA Certificate Rates

MAY 10, 2008
Term Minimum Balance APY  
3 Month Share Certificate $1000.00 2.75%  
6 Month Share Certificate $1000.00 2.80%  
1 Year Share Certificate $1000.00 3.00%  
1-1/2 Year Share Certificate $1000.00 3.00%  
2 Year Share Certificate $1000.00 3.10%  
3 Year Share Certificate $1000.00 3.30%  
12 Month Sure Account $25 - $199 2.00%  
12 Month Sure Account $200 - $499 2.50%  
12 Month Sure Account $500 - $1000 3.00%  
24 Month Sure Account $25 - $199 2.50%  
24 Month Sure Account $200 - $499 3.00%  
24 Month Sure Account $500 - $1000 3.25%  
1 Year IRA Share Certificate $500.00 3.00%  
1 Year Roth IRA Share Certificate $500.00 3.00%  
1 Year Roth Conversion IRA Share Certificate $500.00 3.00%  
1 Year Coverdell ESA Share Certificate $500.00 3.00%  
       
APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Dividends for the Sure Account, IRA, Roth, and Coverdell ESA Share Certificate Accounts are credited and compounded quarterly. For the 3 Month Share Certificate, dividends are credited upon maturity and transferred to a designated share account or a check mailed to member. For all other Share Certificate Accounts, dividends are credited monthly and transferred to a designated share account or a check mailed to member. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call 808.245.6791.

Rates subject to change without notice.