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Savings Rates

Effective 7/1/08
APY = Annual Percentage Yield
Rates are subject to change without notice.

Share Account Type APY
Regular Savings.50%
High Yield Savings*
Under $25,0001.01%
Over $25,0001.61%
Individual Retirement Account0.50%
Money Market Checking Account* 0.50%
Christmas Club.50%
Vacation Club.50%
*High Yield Savings and Money Market Checking Accounts require a $1,000 minimum balance.

Term Share Certificate Rates

Effective 7/1/08
APY = Annual Percentage Yield
Rates are subject to change without notice.

Term In-Office APYOnline APY*
3 Months2.27%2.38%
6 Months2.38%2.48%
12 Months2.43%2.53%
24 Months2.63%2.73%
36 Months2.89%2.99%
48 Months3.04%3.15%
60 Months3.40%3.51%
Rates based on term selected and on where purchased. Minimum $500.00 deposit required. Penalty for early withdrawal. *Online Rates require you to purchase your Term Share Certificate online via Home Banking.

Youth Share Certificate Rates

Term APY
12 month2.63%
24 month2.89%
36 month3.15%
These Certificate Rates are only available to our youth club members 17 years old and younger. For details about these certificates, visit the club pages.

Loan Rates and Terms

Secured Loans

Rates effective 7/1/08
New and used cars, trucks and recreational vehicles.
APR=Annual Percentage Rate
Rates are subject to change without notice.

Loan TypeAPR as low as
New Items4.24%
Used Items4.24%
Your rate is based upon your credit score as provided by TransUnion. See the loan department for details.Other rates and terms available; call for information.

Share Secured Loans

Share Loans are provided at 3% Annual Percentage Rate over the Annual Percentage Yield of the account being pledged as collateral. Amortization over 36 months. Must balloon at 36 months.

Miscellaneous & Mortgages

Rates are subject to change without notice.
APR=Annual Percentage Rate

Loan TypeRepaymentAPR as low as
KC Cash Line of Credit 3.0% of Balance**Call 616-336-3490 or toll-free 888-336-3490
Overdraft Protection$3.50 per Hundred**18.00%
Closed End UnsecuredMax. 60 Months10.50%
VISA Classic*2.5% of Balance**12.90%
VISA Gold*@2.5% of Balance**9.90%
VISA Platinum*1.5% of Balance**2.90% Intro Rate Then 7.25% Variable
Home Equity LOCSee Loan DeptPrime or Prime +.50% APR
Home Equity TermUp to 180 MonthsCall 616-336-3490 or toll-free 888-336-3490
First MortgagesOffering a full range of optionsClick for rates.
Your rate is based upon your credit score as provided by TransUnion. See the loan department for details. * VISA Additional Disclosure Information. ** Minimum payment is required, see CU for details. @ $25.00 annual fee.