Savings
| Account Type | Dividend Period | Declared Date | Rate(%)/APY(%) |
| Savings | Monthly | 06/19/08 | 3.69 / 3.75 1 |
| IRA Traditional, Roth, SEP |
Monthly | 06/19/08 | 3.69 / 3.75 1 |
| Coverdell ESA | Monthly | 06/19/08 | 3.69 / 3.75 1 |
| Checking | Monthly | 06/19/08 | .25 / .25 2 |
Mortgage Share |
Monthly | 06/19/08 | .24 / .24 3 |
Health Savings (HSA)
| Account Type | Dividend Period | Declared Date | Rate(%)/APY(%) |
| Health Savings | Monthly | 06/19/08 | 5.03 / 5.15 4 |
Certificates 5
As of 07/01/2008| Certificate Type | Term | Balance | Rate(%)/APY(%) |
| Share (min balance $1000.00) |
12-17m |
up to 24,999.99
25,000 and up
|
3.69 / 3.75
3.83 / 3.90
|
| Share (min balance $1000.00) |
18-23m |
up to 24,999.99
25,000 and up
|
3.69 / 3.75
3.83 / 3.90
|
| Share (min balance $1000.00) |
24m |
up to 24,999.99
25,000 and up
|
3.83 / 3.90
3.98 / 4.05
|
| Traditional IRA (min balance $1000.00) |
12-17m |
up to 24,999.99
25,000 and up
|
3.69 / 3.75
3.83 / 3.90
|
| Traditional IRA (min balance $1000.00) |
18-23m |
up to 24,999.99
25,000 and up
|
3.69 / 3.75
3.83 / 3.90
|
| Traditional IRA (min balance $1000.00) |
24m |
up to 24,999.99
25,000 and up
|
3.83 / 3.90
3.98 / 4.05
|
| Roth IRA (min balance $1000.00) |
12-17m |
up to 24,999.99
25,000 and up
|
3.69 / 3.75
3.83 / 3.90
|
| Roth IRA (min balance $1000.00) |
18-23m |
up to 24,999.99
25,000 and up
|
3.69 / 3.75
3.83 / 3.90
|
| Roth IRA (min balance $1000.00) |
24m |
up to 24,999.99
25,000 and up
|
3.83 / 3.90
3.98 / 4.05
|
| SEP IRA (min balance $1000.00) |
12-17m |
up to 24,999.99
25,000 and up
|
3.69 / 3.75
3.83 / 3.90
|
| SEP IRA (min balance $1000.00) |
18-23m |
up to 24,999.99
25,000 and up
|
3.69 / 3.75
3.83 / 3.90
|
| SEP IRA (min balance $1000.00) |
24m |
up to 24,999.99
25,000 and up
|
3.83 / 3.90
3.98 / 4.05
|
| Coverdell ESA (min balance $1000.00) |
12-17m |
up to 24,999.99
25,000 and up
|
3.69 / 3.75
3.83 / 3.90
|
| Coverdell ESA (min balance $1000.00) |
18-23m |
up to 24,999.99
25,000 and up
|
3.69 / 3.75
3.83 / 3.90
|
| Coverdell ESA (min balance $1000.00) |
24m |
up to 24,999.99
25,000 and up
|
3.83 / 3.90
3.98 / 4.05
|
APY = Annual Percentage Yield.
1 Savings, IRA, ESA & mortgage share disclosure
2 Checking disclosure
3 Mortgage Share disclosure
4 HSA disclosure
5 Certificate disclosure
Mortgages 1
Mortgage Rates as of 07/03/2008| Product Type | Rate(%) | APR(%) | Points(%) |
| First Mortgages | |||
| 1/1 ARM | 5.125 | 5.287 | 0 |
| 3/1 ARM | 5.250 | 5.298 | 0 |
| 5/1 ARM | 5.375 | 5.345 | 0 |
| 5/1 ARM (Interest-only) |
5.500 | 5.705 | 0 |
| 7/1 ARM | 5.750 | 5.549 | 0 |
| 7/1 ARM (Interest-only) |
5.875 | 5.853 | 0 |
| 10/1 ARM | 6.000 | 5.788 | 0 |
| 15-Yr. Fixed | 5.750 | 5.833 | 0 |
| 30-Yr. Fixed | 6.375 | 6.426 | 0 |
| 30-Yr. Fixed (Interest-only) |
6.500 | 6.546 | 0 |
| Vacation homes | |||
| 1/1 ARM | 5.375 | 5.537 | 0 |
| 3/1 ARM | 5.500 | 5.548 | 0 |
| 5/1 ARM | 5.625 | 5.596 | 0 |
| 7/1 ARM | 6.000 | 5.802 | 0 |
| 10/1 ARM | 6.250 | 6.043 | 0 |
| 15-Yr. Fixed | 6.125 | 6.209 | 0 |
| 30-Yr. Fixed | 6.750 | 6.802 | 0 |
Example First Mortgage Monthly Repayment Terms:
| 15-Yr. Fixed | 5.750 | mo pmt per $1000 - $8.30 |
| 30-Yr. Fixed | 6.375 | mo pmt per $1000 - $6.24 |
| 30-Yr. Fixed (Interest-only) | 6.500 | mo pmt per $1000 - $5.31 |
ARM = Adjustable Rate Mortgage (variable rate). This rate may change after account is open.
For more information, please call our Mortgage Hotline 800-365-7003. Loan approval based on creditworthiness and ability to repay.
First Mortgages available in all 50 states. The Annual Percentage Rate (APR) assumes a 20% downpayment on a loan amount of $250,000 with a 30-year term, an origination fee of $950, $180 in additional prepaid finance charges plus 15 days of prepaid interest.
Home Equity
| Product Type | Max Term (months) |
APR(%) (as low as) |
||
| Home Equity Line of Credit 1 | up to 180 | 3.75 | ||
| Home Equity Line of Credit (Interest-only) 1 | 84 (Balloon) | 3.50 | ||
| Home Equity Loans 1 | 60 to 180 | 5.50 to 6.50 | ||
| Loan Type | APR | Payment |
|---|---|---|
| 5-Yr. Fixed (60 months) | 5.50 | mo pmt per $1000 - $19.11 |
| 10-Yr. Fixed (120 months) | 6.00 | mo pmt per $1000 - $11.11 |
| 15-Yr. Fixed (180 months) | 6.50 | mo pmt per $1000 - $8.72 |
1 Home Equity Disclosure
APR = Annual Percentage Rate.
Consumer Loans
| Product Type | Max Term (months) |
APR(%) (as low as) |
Approximate Payment (Per $1,000) |
|
| New Vehicle 1 | up to 72 * | 4.35 | $ 15.81 | |
| Used Vehicle 1 | up to 72 | 4.60 | $ 15.93 | |
| Recreational Vehicles 1 (over 50K) |
up to 240 | 6.99 | $ 7.76 | |
| Recreational Vehicles 1 (under 50K) |
up to 120 | 7.25 | $ 11.75 | |
| Motorcycle 1 (over 10K) |
up to 60 ** | 7.25 | $ 19.93 | |
| Boat 1 (over 50k) |
up to 180 | 6.25 | $ 8.58 | |
| Boat 1 (under 50K) |
up to 120 | 6.50 | $ 11.36 | |
| Aircraft 1 |
up to 180 | 6.75 | $ 8.86 | |
| Unsecured 1 | up to 48 | 11.90 | $ 26.23 | |
| Line of Credit 1 | Revolving | 11.90 | $ 26.23 | |
| Savings Secured 1 | up to 60 | as low as 2% above current dividend rate | ||
| Savings Secured Term1 | up to 12 | as low as 2% above current dividend rate | ||
Student Loans
| Product Type | Max Term (months) |
APR(%) (as low as) |
||
| Student Loans 2 | 144 | 5.50 | ||
* An 84-month term is also available, but only on new (never titled) vehicles for balances $25,000 and over. APR is 1% higher for loans with an 84 month term.
** A 72-month term is also available, but only on motorcycles for balances $20,000 and over. APR is 1% higher for loans with an 72 month term.
1 Consumer loan disclosure
2 Student loan disclosure.
VISA Credit Card
| Product Type | Max Term (months) |
APR(%) (as low as) |
||
| Platinum 1 | revolving | 10.50 * | ||
| Platinum Rewards 1 | revolving | 12.50 * | ||
* With automatic payment. Loans without automatic payment selection are subject to an increase in rate and/or margin of 0.4%.
1 VISA® disclosure
Rates, terms and conditions subject to change.
Call 800-328-1935
