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Share Rates
Loan Rates
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Our
Current Rate Figures... These figures
are subject to change at any time. Please call the loan department
to confirm these numbers.

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Share Rates
Effective September 1, 2001*
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Account
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Dividend
Rate
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Annual
Percentage
Yield
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Share Club
(Average Daily Balance)
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$25.00-$500.00
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1.25%
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1.257%
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$500.01-$2500.00
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1.50%
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1.51%
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$2500.01-$5000.00
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1.75%
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1.764%
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$5000.01-$10,000.00
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2.50%
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2.529%
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$10,000.01 or more
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2.75%
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2.785%
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Money Market
($500 minimum)
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3.00%
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3.04%
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IRA Savings
($25 minimum)
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3.15%
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3.20%
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IRAs & Share Certificates
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Term Share & IRAs
($500 minimum)
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6 months
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3.20%
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3.25%
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12 months
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3.44%
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3.50%
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18 months
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3.59%
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3.65%
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30 months
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3.78%
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3.85%
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36 months
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3.93%
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4.00%
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Loans Available
Effective September 1, 2001
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Product
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Financing
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Term (months)
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APR
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VISA Classic Credit Card
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$250 - $7,500
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11.95% fixed
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Visa Gold Credit Card
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$5000 - $10,000
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10.95% fixed
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Signature (Unsecured)
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$7,500 maximum
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0-12
13-24
25-36
37-48
49-60
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14.65%*
15.25%*
15.50%*
15.75%*
16.00%*
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Back to School
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$2,500 maximum
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12
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11.00%*
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Computer Loan
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$3,000 maximum
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to 36
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7.75%*
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New auto, truck
van, motorcycle
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100% purchase price
including taxes�
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to 48
to 60
to 72
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6.95%*
7.20%*
7.45%*
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Used auto, truck
van, motorcycle
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100% of NADA book
value including taxes�
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to 48
to 60
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6.95%*
7.20%*
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New/Used boat or RV
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New-90% purchase price before taxes or $40,000
(whichever is less)
Used-80% book value or $30,000 (whichever is
less) before taxes
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to 48
to 72
to 120
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8.25%*
8.75%*
9.25%*
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Home Equity Loan
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80% of appraised value minus mortgage balance
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to 60
61-120
121-180
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8.25%
8.75%
9.00%
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All fees waved on Home Equity Loans except for the New York
State Mortgage Tax. Title Insurance must be paid on loans over
$35,000. We require a $250 deposit that is refunded at the
closing.
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Home Equity Line
Credit (Variable)
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80% of appraised value minus mortgage
balance
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to 180
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prime + 0%
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Home Improvement
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80% of appraised value minus mortgage balance
$15,000 maximum
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to 120
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8.75%*
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*Rate with automatic payment discount. Otherwise, increase rate
by 1/4%. �GAP insurance required if 100% financing.
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GOALsaver Loan
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$10,000 maximum
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5 years
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6.50%
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Share Secured
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90% of share balance
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6.50%
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SC Secured
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90% of share certificate
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SC rate +3%
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Overdraft Line of Credit
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$3,000 maximum
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15.90% var.
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*Rates subject to change at any time. Call our
loan office to get current rates.

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