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Rate Sheet effective 1/01/2012
All rates are subject to change without prior notification.
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CheckPoint Checking *
No Monthly Service Charge
$50.00 Minimum Deposit |
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Annual Interest Rate |
Annual Percentage Yield |
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0.00% |
0.00% |
GoldenKEY Checking*
(For Ages 50 or above)
$50.00 Minimum Deposit |
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Annual Interest Rate |
Annual Percentage Yield |
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$2,500.00 or above |
0.10% |
0.10% |
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$3.00 Monthly Service Charge if Average Daily Balance is less than $250 |
MoneyPoint Account*
$5,000.00 Minimum Deposit |
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Annual Interest Rate |
Annual Percentage Yield |
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$0.00-$2,499.99 |
0.00% |
0.00% |
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$2,500.00-$9,999.99 |
0.30% |
0.30% |
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$10,000.00-$24,999.99 |
0.40% |
0.40% |
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$25,000.00-$49,999.99 |
0.50% |
.050% |
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$50,000.00 or above |
0.60% |
0.60% |
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$10.00 Monthly Service Charge if Average Daily Balance is less than $5,000.00. Transaction limitations apply. |
| *All Checking Accounts are based on the Average Daily Balance. |
Business Share (Savings)
1st Quarter ending 3/31/12
No Monthly Service Charge |
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Annual Interest Rate |
Annual Percentage Yield |
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$ 0.00 - $ 99.99 |
0.00% |
0.00% |
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$100.00 or more |
0.30% |
0.30% |
BusinessPoint Checking
No Monthly Service Charge
$50.00 Minimum Deposit |
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Annual Interest Rate |
Annual Percentage Yield |
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0.00% |
0.00% |
Share (Savings)**
1st Quarter ending 3/31/12
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Annual Interest Rate |
Annual Percentage Yield |
| $0.00 - $99.99 |
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0.00% |
0.00% |
| $100 or more |
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0.30% |
0.30% |
Christmas Club
1st Quarter ending 3/31/12
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Annual Interest Rate |
Annual Percentage Yield |
| $0.00 - $99.99 |
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0.00% |
0.00% |
| $100 or more |
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0.30% |
0.30% |
| ** Interest calculation is based on Average Daily Balance. |
KEEWEE Kid's Club
1st Quarter ending 3/31/12
Must have a Share Account
Minimum Club deposit is $5.00 |
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Annual Interest Rate |
Annual Percentage Yield |
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0.30% |
0.30% |
CERTIFICATE OF DEPOSITS
Minimum Opening Deposit is $1,500.00 |
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Annual Interest Rate |
Annual Percentage Yield
(Compounded) |
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6 Months |
0.62 % |
0.62% |
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1 Year |
0.83% |
0.83% |
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2 Years |
1.14% |
1.15% |
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3 Years |
1.47% |
1.48% |
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4 Years |
1.76% |
1.77% |
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5 Years |
2.27% |
2.29% |
| INDIVIDUAL RETIREMENT ACCOUNTS |
IRA Shares (Savings)
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Annual Interest Rate |
Annual Percentage Yield |
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$1.00 or more |
0.75 |
0.75% |
IRA Shares (Certificate of Deposits)
Minimum Opening Deposit is $500.00 |
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Annual Interest Rate |
Annual Percentage Yield |
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1 Years |
0.83% |
0.83% |
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2 Years |
1.14% |
1.15% |
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3 Years |
1.47% |
1.48% |
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4 Years |
1.76% |
1.77% |
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5 Years |
2.27% |
2.29% |
| *Rates are subject to change without prior notification. |
| SHARE (Savings/CD's) SECURED |
Term |
APR |
| 2.50% plus prevailing deposit rate |
12-60 Months |
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| ***NEW& USED AUTOMOBILES 2012 to 2006* |
Term |
APR |
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12-36 Months |
2.50% |
| Mileage up to 100,000 |
37-48 Months |
2.60% |
| Up to 115% loan to value |
49-60 Months |
2.70% |
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61-66 Months |
2.95% |
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67-72 Months |
3.20% |
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73-84 Months |
4.89% |
| ***MISCELLANEOUS SECURED (NEW/USED) 2012 & 2006* |
Term |
APR |
| Boats, Motors, ATV's, Tractors, etc. |
12-36 Months |
6.30% |
| Up to 110% loan to value |
37-48 Months |
6.55% |
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49-60 Months |
6.80% |
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61-84 Months |
7.30% |
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85-96 Months |
7.55% |
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| ***RECREATIONAL VEHICLES (NEW) 2012 & 2006* |
Term |
APR |
| Travel Trailers, and Campers |
Up to 36 Months |
6.30% |
| Up to 110% loan to value |
Up to 48 Months |
6.55% |
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Up to 60 Months |
6.80% |
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Up to 84 Months |
7.30% |
| Rate and term vary based on loan amount. |
Up to 96 Months |
7.55% |
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Up to 120 Months |
7.80% |
*RATES LISTED ARE BASED ON THE BEST POSSIBLE RATE OFFERED FOR EXCEPTIONAL CREDIT QUALIFICATIONS .
APR = Annual Percentage Rate
**Older model vehicles will be considered on a case by case basis
***GAP, Mechanical Repair, and Credit Life and Disability available |
| SMARTKEY VISA |
Term |
APR** |
| Credit limitations may apply based on credit history* 4.25% 6 month Intro Rate |
N/A |
10.00% |
| CLASSIC POINT VISA |
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APR |
| Credit limitations may apply based on credit history* 4.25% 6 month Intro Rate |
N/A |
13.00% |
| REWARDSPOINT VISA |
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APR |
| Credit limitations may apply based on credit history* 4.25% 6 month Intro Rate |
N/A |
10.25% |
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| *Annual Fee May Apply |
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| ** Rates vary based on credit qualifications |
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| SIGNATURE LOANS |
Term |
APR |
| Debt Consolidation, Medical, Family Emergency, Vehicle Repairs, Vacation, etc. |
Up to 60 Months |
8.90% |
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| Rates, Terms and Conditions subject to credit qualifications. |
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| LINES OF CREDIT |
Term |
APR |
| Rates, Terms and Conditions based on credit qualifications. |
N/A |
10.00% |
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