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 $25,000 | 1.01% |
| Over $25,000 | 1.61% |
| Individual Retirement Account | 0.50% |
| 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 APY | Online APY* |
| 3 Months | 2.27% | 2.38% |
| 6 Months | 2.38% | 2.48% |
| 12 Months | 2.43% | 2.53% |
| 24 Months | 2.63% | 2.73% |
| 36 Months | 2.89% | 2.99% |
| 48 Months | 3.04% | 3.15% |
| 60 Months | 3.40% | 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 month | 2.63% |
| 24 month | 2.89% |
| 36 month | 3.15% |
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 Type | APR as low as |
| New Items | 4.24% |
| Used Items | 4.24% |
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 Type | Repayment | APR 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 Unsecured | Max. 60 Months | 10.50% |
| 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 LOC | See Loan Dept | Prime or Prime +.50% APR |
| Home Equity Term | Up to 180 Months | Call 616-336-3490 or toll-free 888-336-3490 |
| First Mortgages | Offering a full range of options | Click 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.
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