Rates
Rates Effective 1/25/2024
New/Program Vehicles- 750+ Beacon Score
Months | APR* | |
---|---|---|
84 Months | Rates as low as | 7.44% APR |
72 Months** | Rates as low as | 7.39% APR*** |
66 Months | Rates as low as | 7.34% APR |
60 Months | Rates as low as | 7.29% APR |
48 Months | Rates as low as | 7.14% APR |
Used Vehicles 2019-2021
Months | APR | |
---|---|---|
84 Months | Rates as low as | 7.94% APR |
72 Months | Rates as low as |
7.89% APR |
66 Months | Rates as low as | 7.84% APR |
60 Months | Rates as low as | 7.79% APR |
48 Months | Rates as low as | 7.64% APR |
Used Vehicles 2016-2018
Months | APR | |
---|---|---|
72 Months | Rates as low as | 8.39% APR |
60 Months | Rates as low as | 8.29% APR |
48 Months | Rates as low as | 8.14% 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 of a new auto: 72 monthly payments of $17.24 at 7.39% APR per $1,000 borrowed.
Consumer Secured | As low as 10.69% APR up to 48 months. | As low as 10.54% APR up to 36 months. |
Signature Loans | As low as 11.59% APR up to 36 months. | As low as 11.44% APR up to 24 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) | .05 | .05% |
Passbook (min $50) | .10 | .10% |
Blue Chip (min $1000) | 1.00 | 1.00% |
Premium Checking (min $250) | .10 | .10% |
Youth Club Account | 1.00 | 1.00% |
Share Certificates (CD’s)***
Term | Dividend Rate | Annual Percentage Yield |
---|---|---|
6 months | 2.00 | 2.02% |
12 months | 2.50 | 2.53% |
24 months | 3.00 | 3.04% |
36 months | 3.25 | 3.30% |
48 months | 3.50 | 3.56% |
60 months | 3.75 | 3.82% |
JUMBO**** | 3.95 | 4.02% |
CALL SHARON FOR REAL ESTATE RATES
- IRA’s pay .10% above regular certificate rates
- Share/draft Premium Checking Accounts receive dividends 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.
- ****JUMBO Certificates available at 12, 24, 36, 48 or 60 month terms. Minimum $100,000.00.
- Early withdrawal may result in penalties. Withdrawals may affect APY.
- **APY is Annual Percentage Yield