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Share savings
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Consumer loan interest rates are disclosed as ranges. Your final rate is based on your application and credit history. All loans are subject to application and processing fees. Share and savings rates are disclosed as Annual Percentage Yield (APY). Stop by our office for more rates and details.
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| Loan Rates - effective December 1, 2011 |
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Loan |
Rate Range - APR* |
Collateral |
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New Vehicles |
as low as 5.50% |
Vehicle title |
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Used Vehicles |
as low as 6.50% |
Vehicle title |
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Share Secured |
3.50% - 7.15% |
Share Savings |
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Unsecured |
10.00% - 13.00% |
Signature |
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Real Estate |
4.52% - 7.00% |
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Agriculture Operating |
4.75% - 7.00% |
Chattels |
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Ag Market Hedge |
as low as 5.75% |
Chattels |
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Ag Equipment - New |
as low as 5.25% |
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Ag Chattels |
5.25% - 7.00% |
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New Recreation |
as low as 5.50% |
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Used Recreation |
as low as 6.50% |
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*APR -- Annual Percentage Rate
Note: Above interest rates may vary by the term of the loan as well as applicant's credit worthiness and are subject to change quarterly. |
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| Share Savings Accounts - rates for Quarter ending December 31, 2011* |
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Account |
Rate |
APY |
Minimum Balance |
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Share Savings (S1) |
1.00% |
1.00% |
$5.00 |
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IRA's |
3.00% |
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Share Draft (S80) |
0.00% |
0.00% |
$0.00 - 199.99 |
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Share Draft (S80) |
0.50% |
0.50% |
$200 and over |
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*Share Savings Interest rates are declared at the end of each quarter based on the cooperative's earnings, and apply to the dividends that are paid for the quarter just ended. The interest rate paid for the current quarter may be diffent than the rates shown here, which are the rates that were paid for the last quarter. |
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| Certificates of Deposit - effective September 1, 2011 |
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Term |
Rate |
APY* |
Minimum Balance |
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3 Months (I3) |
0.75% |
0.75% |
$1000 |
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6 Months (I6) |
0.90% |
0.91% |
$1000 |
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12 Months (I2) |
1.10% |
1.11% |
$1000 |
*APY means a percentage rate reflecting the total amount of dividends/interest paid on an account based on the dividends/interest rate and the frequency of compounding for a 365 day period. Certificate and IRA rates are fixed for the term of the instrument, unless otherwise disclosed. Deposits are federally insured by the NCUA up to at least $250,000, and IRA funds are separately insured to $250,000. |
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