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Savings

Description

Min Balance

Rate

APY

Divd/Freq

Shares

$25.00

0.50% 

0.50% 

Quarterly 

Club Accounts

$25.00 

0.75% 

0.75% 

Quarterly 

Youth Club Accounts

$5.00 

0.50% 

0.50% 

Quarterly 

IRA/HSA Shares 

$0.00 

0.75% 

0.75% 

Quarterly 

Money Market/Health Saving Money Market

Amount

Rate

APY

Divd/Freq

$2000 - $5,000

1.090% 

1.10% 

Monthly 

$5001 - $20,000

1.290%

1.30% 

Monthly 

$20,001 - $75,000

1.490%

1.50% 

Monthly 

$75,001 - $150,000

1.780%

1.80%

Monthly

$150,001+

1.980%

2.00%

Monthly

Build Your Own CheckingTM

Services

1

2

3

4

5

6

7+

$501 - $2500

0.50%

0.75%

1.00%

1.25%

1.50%

1.75%

2.00%

$2501 - $5000

0.75% 

1.00% 

1.25% 

1.50%

1.75%

2.00%

2.25%

$5001 - $25,000

1.00%

1.25% 

1.50% 

1.75%

2.00%

2.25%

2.50%

$25,001+

1.25%

1.50%

1.75%

2.00%

2.25%

2.50%

2.75%

Checking

Amounts

Classic

Advantage*

Premier**

Scholastic**

Golden Age*

E-Member**

Business

$0 - $500

0.00%

0.00%

0.25%

0.00%

0.00%

0.00%

0.00%

$501 - $1000

0.00% 

0.25% 

0.25% 

0.25%

0.25%

0.25%

0.25%

$1001 - $10,000

0.00%

0.50% 

0.76% 

0.76%

0.50%

0.50%

0.50%

$10,001+

0.00%

0.75%

1.01%

1.01%

0.75%

0.75%

0.75%

IRA/HSA and Regular Share Certificates

Term

Min Deposit

Rate

APY

Divd.Freq

3 - 5 Months

$500.00

1.490%

1.50%

Quarterly

6 - 11 Months

$500.00

2.570% 

2.60% 

Quarterly

12 - 17 Months

$500.00

2.660%

2.70% 

Quarterly

18 - 23 Months***

$500.00

2.660%

2.70%

Quarterly

24 - 35 Months***

$500.00

2.760%

2.80% 

Quarterly

36 - 47 Months***

$500.00

2.960%

3.00% 

Quarterly

48 - 59 Months***

$500.00

3.150%

3.20% 

Quarterly

60 Month***

$500.00

3.250%

3.30% 

Quarterly

Unsecured Loans
Loan Type Credit Term Annual Percentage Rate
Signature up to 60 months as low as 11.25%
Signature Line of Credit revolving as low as 8.95%
Share Secured up to 60 months 3.00% over the rate for the corresponding term or 5.00% - which ever is greater
Certificate Secured Loans up to 60 months 3.00% over the rate for the corresponding term

Auto Loans
Loan Type Credit Term Annual Percentage Rate
Auto up to 84 months as low as 5.50%
Motorcycles up to 84 months as low as 7.25%
Recreational up to 120 months as low as 9.00%
Classic Autos up to 84 months as low as 6.45%

Real Estate
Loan Type Term Annual Percentage Rate
Home Equity Line of Credit (HELOC)***** up to 240 months as low as 4.75%
2nd mortgages - fixed***** up to 240 months as low as 5.50%
Interest-only HELOC 240 months

as low as 4.75%

Loan Type Term Annual Percentage Rate
1st Mortgage(s)**** 40 Year as low as 6.500%
  30 Year as low as 6.250%
  15 Year as low as 5.375%
  1/1 ARM as low as 3.750%
  3/1 ARM as low as 4.875%
  5/1 ARM as low as 5.375%
  7/1 ARM as low as 5.625%

*

   Dividends paid with required $250 minimum balance.

**

   Limited to Online Statements only.

***

   Additional deposits can be made up to the original principal balance of the certificate. Additional deposit can be made on Youth Share Certificate of Accounts.

****

  

Rates Quoted by Centennial Lending - Updated Daily.
Additional discount may apply - will be determined by credit grade and LTV (Loan to Value)

*****

  

20 year terms available on HELOC(s) and fixed mortgage(s); with additional .50% added on qualifying rate.
10 year terms available on HELOC(s) and fixed mortgage(s); with .25% deducted from qualifying rate.
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