Rates
Rates Effective 8/8/2018
New/Program Vehicles 2017-2018 750+ Beacon Score
| Months | APR* | |
|---|---|---|
| 72 Months** | Rates as low as | 3.90% APR*** |
| 66 Months | Rates as low as | 3.75% APR |
| 60 Months | Rates as low as | 3.60% APR |
| 48 Months | Rates as low as | 3.55% APR |
| 36 Months | Rates as low as | 3.50% APR |
Used Vehicles 2014 and newer
| Months | APR | |
|---|---|---|
| 72 Months | Rates as low as | 4.20% APR |
| 66 Months | Rates as low as | 4.05% APR |
| 60 Months | Rates as low as | 3.90% APR |
| 48 Months | Rates as low as | 3.85% APR |
| 36 Months | Rates as low as | 3.80% APR |
Used Vehicles 2011-2013
| Months | APR | |
|---|---|---|
| 60 Months | Rates as low as | 4.20% APR |
| 48 Months | Rates as low as | 3.95% APR |
| 36 Months | Rates as low as | 3.90% APR |
All Other Model Years
| Months | APR | |
|---|---|---|
| 60 Months | Rates as low as | 4.50% APR |
| 48 Months | Rates as low as | 4.25% APR |
*APR is Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions.
**Sample repayment schedule does not include taxes and insurance premiums. All loans are subject to approval. ***Sample repayment schedule: 72 monthly payments of $115.69 at 3.90% APR per $1,000 borrowed.
| Consumer Goods | New: As low as 7.69% APR up to 48 months. | Used: As low as 7.19% APR up to 36 months. |
| Signature Loans | As low as 8.44% APR up to 30 months. | As low as 7.94% APR up to 12 months |
| MasterCard | 10.99% APR | No annual fee, 25 day grace period |
| Overdraft Protection | 16.00% APR | Share/Draft checking |
Savings Rates*
| Account | Dividend Rate | Annual Percentage Yield** |
|---|---|---|
| Membership (min $25) | .04 | .04% |
| Passbook (min $50) | .06 | .06% |
| Blue Chip (min $1000) | .10 | .10% |
| Premium Checking | .10 | .10% |
Share Certificates (CD’s)***
| Term | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| 3 months | .15 | .15% |
| 6 months | .35 | .35% |
| 12 months | .60 | .60% |
| 24 months | .75 | .75% |
| 36 months | .95 | .95% |
| 48 months | 1.24 | 1.25% |
| 60 months | 1.34 | 1.35% |
CALL SHARON FOR REAL ESTATE RATES
- IRA’s pay .1% above regular certificate rates
- Share/draft Premium Checking Accounts receive when balances remain above $250.
- *The Savings rates are subject to change after the account is opened without prior notice.
- ***All certificates require a minimum of $100 to start unless otherwise noted.
- Early withdrawal may result in penalties. Withdrawals may affect APY.
- **APY is Annual Percentage Yield