Products & Services - Rate Sheets


Telco Investment Rates Effective Date 06/26/01-07/02/01
Investment Instrument Minimum Balance Rate *APY
Regular Share Account
$50.00
2.75% 2.78%
Share Draft Account
$2,500.00
1.75% 1.76%
Special Savings Account
$50.00
2.75% 2.78%
Christmas Club Account
$5.00
2.75% 2.78%
All Star Savers Account
$5.00
3.00% 3.04%
Regular Money Market Account
$10,000.00
3.75% 3.82%
IRA
No Minimum
4.50% 4.59%





Regular and IRA Certificates
  Minimum Balance Rate *APY
6-Month
$500.00
3.84% 3.91%
1-Year
$500.00
3.90% 3.97%
1-Year
$10,000.00
4.00% 4.07%
1-Year
$25,000.00
4.10% 4.18%
2-Year
$1,000.00
3.98% 4.05%
2-Year
$10,000.00
4.08% 4.16%
2-Year
$25,000.00
4.18% 4.26%
3-Year
$1,000.00
4.03% 4.11%
3-Year
$10,000.00
4.13% 4.21%
3-Year
$25,000.00
4.23% 4.31%
4-Year
$1,000.00
4.08% 4.16%
4-Year
$10,000.00
4.18% 4.26%
4-Year
$25,000.00
4.28% 4.36%
5-Year
$2,500.00
4.12% 4.20%
5-Year
$10,000.00
4.22% 4.30%
5-Year
$25,000.00
4.32% 4.41%
5-Year
$100,000.00
4.42% 4.51%


Regular and IRA S&P Market Index Certificates
  Minimum Balance Rate *APY
2-Year $1,000.00 Inquire for Details Inquire for Details
4-Year $1,000.00 Inquire for Details Inquire for Details

* Dividend rates are subject to change without notice. Certificate rates are subject to change weekly. Certificate rates are derived by taking the six (6) month T-Bill rate and adding or subtracting the applicable margin. Members having regular or IRA certificates with maturity dates from two to five years have the option of exchanging the existing rate for the current rate once during the term of the certificate.




May 2001 Consumer Loan Best Rates
Loan Type Down Payment Loan Term APR





Appliance

3 Years (36 Months)
10.50%





Boat, Motor, Trailer-New

6 Years (72 Months)
8.00%
Boat, Motor, Trailer-New
5 Years (60 Months)
7.50%
Boat, Motor, Trailer-New
4 Years (48 Months)
7.25%

Boat, Motor, Trailer - Used
NADA Retail 4 Years (48 Months)
8.00%
Boat, Motor, Trailer - Used NADA Retail 5 Years (60 Months)
8.25%
Boat, Motor, Trailer - Used NADA Retail 6 Years (72 Months)
8.75%





Certificate

Maturity of Share Certificate
3.00%
Above Share Certificate





Equipment/Machinery
20% 3 Years (36 Months)
8.50%
Equipment/Machinery 20% 4 Years (48 Months)
9.50%
Equipment/Machinery 10% 3 Years (36 Months)
9.50%
Equipment/Machinery 10% 4 Years (48 Months)
10.50%





Mobile Home-New

10 Years (120 Months)
8.40%

Mobile Home-Used
NADA Retail 7 Years (84 Months)
9.40%





Motorcycle, ATV-New

5 Years (60 Months)
8.50%

Motorcycle, ATV-Used
NADA Retail 5 Years (60 Months)
9.00%





Motor Home-New and Used

5 Years (60 Months)
8.25%
Motor Home-New and Used
10 Years (120 Months)
9.00%





Share Secured

3 Years with Balloon
6.00%





Money Market

3 Years with Balloon
7.00%





Signature

4 Years (48 Months)
10.50%





Stock

3 Years (36 Months)
7.50%
Stock
7 Years (84 Months)
8.50%





Conventional
Vehicle - 2001, 2000, 1999   36 Months
7.00%
Vehicle - 2001, 2000, 1999   48 Months
7.25%
Vehicle - 2001, 2000, 1999   60 Months
7.50%
Vehicle - 2001, 2000, 1999   72 Months over $20,000
7.75%
Vehicle - 1998, 1997   36 Months
8.00%
Vehicle - 1998, 1997   48 Months
8.25%
Vehicle - 1998, 1997   60 Months
8.50%
Vehicle - 1998, 1997   72 Months over $20,000
8.75%
Vehicle - 1996, 1995, 1994 NADA Retail 36 Months
9.00%
Vehicle - 1993 to 1981 NADA Wholesale 36 Months
9.00%
       
Payment Advantage      
Vehicle-2001, 2000, 1999   36 Months 8.00%
Vehicle-2001, 2000, 1999   48 Months 8.25%
Vehicle-2001, 2000, 1999   60 Months 8.50%
       
VISA (Classic) Secured
Line of Credit 7.90%
VISA (Classic) Unsecured
Line of Credit 12.90%
VISA (Gold) Unsecured
Line of Credit 9.90%

$5.00 Application Fee due at the time of application, excluding VISA.
The above rates will be reduced an additional 0.25% for automatic payments. ( excluding Visa) All rates are subject to credit qualifications and lending guidelines. Your rate will be based on your qualifications.




Mortgage Loan Rates Effective Date 07/03/01 - 07/09/01
Loan Type Loan Term APR
     
Construction-Fixed 6 Months
8.75%
Second Mortgage-Fixed 10 Years
9.25%
Second Mortgage (Rebuilder)-Fixed 10 Years
11.25%
Unimproved Property-Adjustable 10 Years
8.75%
Unimproved Property-Fixed 5 Years
10.25%
New Mobile Home/Land-Fixed 15 Years
9.25%
Used Mobile Home/Land-Fixed 10 Years
10.25%
     
Home Equity Line of Credit (Prime Rate)
6.75%
Home Equity Line of Credit (Prime Plus)
8.00%
     
The credit union will use the current 52 week T-Bill (rounded up to the nearest one fourth of one percent)
as an index to determine all mortgage loan rates.
   
     
All rates are subject to change without notice: mortgage loans weekly.    
     
First Mortgages
APR
15 Year Fixed Rate (5% down payment)
6.625%
30 Year Fixed Rate (5% down payment)
7.125%
30 Year Fixed Rate (0% down payment)
9.125%
Second Homes (20% down payment)
9.125%