| Term |
$1,000 - $24,999 |
$25,000
- $99,999
| OVER $100,000 |
DIVIDENDS
PAID |
| 91
days |
0.50% |
0.55% |
0.60% |
Maturity |
| 6
months
| 0.75% |
0.80% |
0.85% |
Maturity |
| 9
months
| 0.75% |
0.80% |
0.85% |
Maturity |
| Save to Win - 12
months
| 0.60% |
0.60% |
0.60% |
Quarterly |
| 12
months
| 1.00% |
1.05% |
1.10% |
Quarterly |
| 15
months
| 1.00% |
1.05% |
1.10% |
Quarterly |
| 18
months
| 1.10% |
1.15% |
1.20% |
Quarterly |
| 24
months
| 1.45% |
1.50% |
1.55% |
Quarterly |
| 30
months*
| 1.50% |
1.55% |
1.60% |
Quarterly |
| 36
months
| 1.80% |
1.85% |
1.90% |
Quarterly |
| 48
months
| 2.00% |
2.05% |
2.10% |
Quarterly |
| 60
months*
| 2.25% |
2.30% |
2.35% |
Quarterly |
* All Certificate of Deposits have a $1,000 minimum balance except a 30 month which has a $100 minimum balance, a 60 month which has a $500 minimum balance, and a Save to Win certificate which has a $25 minimum balance. All IRA Certificates have a minimum $500 opening balance. Penalty for early withdrawal. Rates subject to change at any time. APY = Annual Percentage Yield. All rates subject to change at any time. Call 800.321.8570 ext. 200
Saving Account Rates Annual Percentage Yields (APY)
| ACCOUNT |
APY |
MINIMUM |
DIVIDENDS
PAID |
| Regular Share* |
.20% |
None |
Quarterly |
| Dividend Bearing
Checking** |
.40% |
$1,000 |
Monthly |
| Non-Dividend
Bearing Checking*** |
N/A |
N/A |
N/A |
| Vacation Club |
.20% |
None |
Quarterly |
| Christmas Club |
.20% |
None |
Quarterly |
| High Yield Fund |
.40% |
$2,500.00 |
Monthly |
| Ultra Savings**** |
0.75% |
$25,000-$49,999 |
Monthly |
| Money Market***** |
0.50% |
$5,000-$24,999 |
Monthly |
Rates listed above are the rates paid last quarter/month
Rates are subject to change at any time
* $199 combined savings balance required to avoid a minimum balance
fee.
** $1,000 combined savings balance required to avoid a minimum balance fee.
*** $199 combined savings balance required to avoid a minimum balance fee.
**** $25,000 daily balance required to avoid minimum balance fee.
***** $5,000 balance required to avoid a minimum balance fee.
For information or details on how to open a savings account, call 800.321.8570
ext. 200
Deposit Products are Federally Insured up
to $250,000 by
a U.S. Government Agency
Loan Rates
as of July 28th, 2010
Residential Mortgage Loan Rates
| Rate
| APR* |
Points |
|
| 10 Year Fixed |
3.875% |
4.108% |
0 Points |
| 3.625% |
4.066% |
1 Points |
|
| 3.375% |
4.022% |
2 Points |
|
| 15 Year Fixed |
4.000% |
4.162% |
0 Points |
| 3.750% |
4.086% |
1 Points |
|
| 3.500% |
3.977% |
2 Points |
|
20 Year Fixed |
4.375% |
4.503% |
0 Points |
4.125% |
4.366% |
1 Points |
|
3.875% |
4.226% |
2 Points |
|
30 Year Fixed |
4.625% |
4.719% |
0 Points |
4.375% |
4.552% |
1 Points |
|
4.125% |
4.382% |
2 Points |
|
| 40 Year Fixed |
5.00% |
5.139% |
0 Points |
| 4.750% |
4.785% |
1 Points |
|
| 4.500% |
4.689% |
2 Points |
|
| Rate
| APR* |
Points |
|
| 1/1 ARM |
4.250% |
3.042% |
0 Points |
| 3.750% |
3.089% |
1 Points |
|
| 3.250% |
3.136% |
2 Points |
|
| 3/1 ARM |
4.500% |
3.242% |
0 Points |
| 4.000% |
3.233% |
1 Points |
|
| 3.750% |
3.269% |
2 Points |
|
| Rate
| APR* |
Points |
|
| 5 Year Balloon |
4.125% |
4.327% |
0 Points |
| 3.875% |
3.966% |
1 Points |
|
| 3.625% |
3.746% |
2 Points |
|
| 7 Year Balloon |
4.375% |
4.529% |
0 Points |
| 4.125% |
4.367% |
1 Points |
|
3.875% |
4.194% |
2 Points |
|
| 10 Year Balloon |
4.875% |
4.918% |
0 Points |
4.625% |
4.752% |
1 Points |
|
| 4.375% |
4.725% |
2 Points |
Vacant Land***
| Rate
| APR* |
Points |
|
| 5 Year
Balloon |
4.875% |
5.316% |
1 Points |
| 10 Year Balloon |
5.125% |
5.448% |
1 Points |
Your actual rate is based on your credit score and may be higher
than quoted rate. Rates are reviewed daily and subject to change without notice.
* A.P.R. = ANNUAL PERCENTAGE RATE
** All mortgage loans are for primary and secondary residences in the State
of Michigan.
Home Equity Loans**
| *
As Low As A.P.R |
TERMS |
|
| Home Improvement |
7.75% |
Fixed Rate - $500 to $10,000 up to
60 months - No fee - unsecured |
8.25% |
Fixed Rate - $10,001 to $20,000 up to 84 months -
No fee - unsecured |
|
| Home Equity Closed-End
Loan |
6.75% |
Fixed Rate - $5,000 to $19,999 up
to 120 months |
| 6.75% |
Fixed Rate - $20,000 to $74,999 up
to 180 months |
|
| 6.50% |
Fixed Rate - $75,000 to $250,000
up to 180 months |
|
| AS LOW AS |
TERMS |
|
| Home Line Equity
Line of Credit |
||
| |
3.75% |
Variable Rate (Prime + .50% for credit
limits of $5,000 to $24,999)** |
| |
3.50% |
Variable Rate (Prime + .25% for credit
limits of $25,000 to $74,999)** |
| |
3.25% |
Variable Rate (Prime + 0% for credit
limits $75,000 to 250,000)** |
*APR = Annual Percentage Rate. Maximum 18% APR. All home equity loans are
for primary dwelling only. Rate is based on Prime Rate, which is a variable
rate, published in the Wall Street Journal. After introductory period, the variable
rate APR is as low as Prime +0 % for lines over $75,000, as low as Prime + .25
% for lines of $25,000 to $74,999, and as low as Prime + .50 % for lines of
$5,000-$24,999. Please consult your tax advisor about your specific financial
situation. An appraisal is required, as well as homeowners insurance and title
insurance. Flood insurance is required if applicable. An early termination fee
of up to $500 will be applied if the account closes within 24 months.
** All home equity loans are for primary dwelling only. Your actual rate is
based on your credit score and equity and may be higher than quoted rate.
| Year |
TERMS | *A.P.R. |
MIN LOAN AMOUNT |
DOWNPAYMENT |
| NEW & USED |
||||
| 2010-2008 |
up to 48 months |
2.99% |
$3,000 |
0 to 25% |
| 2010-2008 |
up to 72 months |
3.99% |
$3,000 |
0 to 25% |
| |
73 to 84 months |
5.99% |
$35,000 |
0 to 25% |
| |
|
|||
| USED |
||||
| 2007-2003 |
up to 48 months |
2.99% |
$3,000 |
0 to 25% |
| 2007-2003 |
up to 60 months |
3.99% |
$3,000 |
0 to 25% |
| |
61 to 72 months |
5.99% $15,000 |
0 to 25% | |
| |
|
|||
| 2002 |
up to 48 months |
9.72% |
0 to 25% |
|
| 2001 |
up to 42 months |
10.17% |
0 to 25% |
|
| 2000-1999 |
up to 36 months |
11.67% |
0 to 25% |
Boats, Travel Trailers, 5th Wheels and Motorhomes
| Year |
TERMS |
*A.P.R. As low as |
MIN
LOAN AMOUNT |
| NEW |
up to 60 mos |
5.30% |
$3,000 |
| 2010-2008 |
up to 120 mos |
7.50% |
$15,000 |
(Never Titled) |
up to 180 mos |
7.75% |
$20,000 + |
| USED |
up to 60 mos |
5.30% |
$3,000 |
| 2007-2006 |
up to 120 mos |
7.50% |
$15,000 |
up to 180 mos |
7.75% |
$20,000 + |
|
| USED |
up to 60 mos |
8.00% |
$3,000 |
| 2005-2003 |
up to 120 mos |
8.50% |
$15,000 |
up to 180 mos |
8.75% |
$20,000 + |
All used collateral older than 2001 will be considered on an individual basis
Motorcycles, Snowmobiles, ATV, Jet Skis
| Year |
TERMS |
*A.P.R. As low as |
MIN
LOAN AMOUNT |
| NEW |
up to 60 mos |
6.75% |
$3,000 |
| 2010-2008 |
up to 84 mos |
7.25% |
$10,001 |
(Never Titled) |
up to 108 mos |
7.75% |
$13,001 |
up to 120 mos |
8.25% |
$18,001 |
|
| USED |
up to 60 mos |
7.25% |
$3,000 |
| 2007-2006 |
up to 84 mos |
7.75% |
$10,001 |
up to 108 mos |
8.25% |
$13,001 |
|
up to 120 mos |
8.75% |
$18,001 |
|
| USED |
up to 60 mos |
8.00% |
$3,000 |
| 2005-2004 |
up to 84 mos |
8.50% |
$10,001 |
up to 108 mos |
9.00% |
$13,001 |
|
up to 120 mos |
9.50% |
$18,001 |
All used collateral older than 2002 will be considered on an individual basis.
Other Unsecured Loans
| INDEX |
*A.P.R. |
TERMS |
|
| Gold Line (up
to $15,000) |
Variable rate |
11.00% |
No fee - Payments $2.60 per $100 |
| Visa Platinum-Variable
($5000-30,000) |
Prime rate + 4.50% |
7.75% |
No fee - Payments $2.50 per $100 |
Visa Platinum-Fixed ($5000-30,000) |
Fixed Rate |
9.90% |
No fee - Payments $2.50 per $100 |
Visa Classic-Variable (to $4,999) |
Prime rate + 5.75% |
9.00% |
No fee - Payments $2.50 per $100 |
| Visa Classic-Fixed
(to $4,999) |
Fixed Rate |
11.90% |
No fee - Payments $2.50 per $100 |
APR=Annual Percentage Rate
Your APR may vary. Variable Rate Information based on Wall Street Journal Prime
Rate.
No annual fee. No minimum finance charge. No transaction fee for purchases or
cash advances.
Personal Unsecured Loan
| AMOUNT
BORROWED |
*A.P.R. As low as |
TERMS |
$500-$5,000 |
8.40% |
12 mos |
| $500-$5,000 |
8.40% |
13 mos - 24 mos |
| $2,000-$15,000 |
8.40% |
25 mos - 36 mos |
| $5,000 -$15,000 |
13.50% |
37 mos - 48 mos |
over $10,000 - $20,000 |
13.50% |
49 mos - 60 mos |
APR=Annual
Percentage Rate
Your rate may vary depending on past credit history.
