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RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE
Savings and Investments
The following dividends are effective August 1, 2010
| Accounts |
Dividend Rate |
Annual Percentage Yield |
Regular Shares*
$0 - $49.99
$50.00 - $9,999.99
$10,000.00 + |
0.00%
0.25%
0.25%
|
0.00%
0.25%
0.25% |
|
Money Market**
Minimum Opening Deposit:
$2,500 - $9,999
$10,000 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 - $199,999
$200,000 + |
0.30%
0.40%
0.50%
0.60%
0.80%
0.80% |
0.30%
0.40%
0.50%
0.60%
0.80%
0.80%
|
|
Choice Checking**
Minimum
balance $10,000 |
0.25% |
0.25% |
|
Club Accounts*
Minimum balance $100.00 |
0.35% |
0.35% |
|
IRA*
Minimum deposit $100.00
$0 - $49.99
$50.00 - $999.99
$10,000 + |
0.00%
0.25%
0.25% |
0.00%
0.25%
0.25% |
|
*Rates are declared on the third month of each quarter for the current quarter.
** Rates are declared on a monthly basis. Dividends
are effective August 1, 2010. |
| |
Members Choice Tiered Rate Share
Certificates |
Members Choice Tiered Rate Share Certificates* |
Balance of $1,000 to $9,999 |
Balance of $10,000 to $49,999 |
Balance of $50,000 to $98,999 |
JUMBO Balance of $99,000 + |
| Term |
Rate |
APY* |
Rate |
APY* |
Rate |
APY* |
Rate |
APY* |
| 3-5 Months |
0.60% |
0.60% |
0.65% |
0.65% |
0.70% |
0.70% |
0.75% |
0.75% |
| 6-11 Months |
0.75% |
0.75% |
0.80% |
0.80% |
0.85% |
0.85% |
0.90% |
0.90% |
| 12-23 Months |
1.00% |
1.00% |
1.05% |
1.05% |
1.10% |
1.10% |
1.15% |
1.15% |
| 24-35 Months |
1.15% |
1.15% |
1.20% |
1.21% |
1.25% |
1.26% |
1.30% |
1.31% |
| 36-47 Months |
2.00% |
2.02% |
2.05% |
2.07% |
2.10% |
2.12% |
2.15% |
2.17% |
| 48-59 Months |
2.10% |
2.12% |
2.15% |
2.17% |
2.20% |
2.22% |
2.25% |
2.27% |
| 60+ Months |
2.20% |
2.22% |
2.25% |
2.27% |
2.30% |
2.32% |
2.35% |
2.37% |
|
IRA Share Certificates |
IRA Certificates Minimum Opening Balance of $1,000 |
Balance of $1,000 to $9,999 |
Balance of $10,000 to $49,999 |
Balance of $50,000 to $98,999 |
JUMBO Balance of $99,000 + |
| Term |
Rate |
APY* |
Rate |
APY* |
Rate |
APY* |
Rate |
APY* |
| 24 Months |
1.15% |
1.15% |
1.20% |
1.21% |
1.25% |
1.26% |
1.30% |
1.31% |
| 60 Months |
2.20% |
2.22% |
2.25% |
2.27% |
2.30% |
2.32% |
2.35% |
2.37% |
|
*APY=Annual Percentage Yield effective August 1, 2010
The APY quoted assumes dividends and principal remain on
deposit until maturity. All rates are subject to change without notice. Early withdrawal penalties
will apply. |
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Loans and Credit
Receive a .25% rate discount on:
- New and Used Auto loans
- Signature Fixed Term loans
- 2nd Trust Deed Loans
- Motorcycles and Watercraft loans
- RV’s, Trailers and Boat loans
Simply make automatic payments through direct deposit, payroll deduction, or automatic transfer of payment to your loan and receive the discount. You can also receive an additional .25% rate discount by simply opening a checking account or automatically receive the discount if you currently have a checking account with Focus One. That’s a total of .50% rate discount!
| Home Loans |
| Home Equity |
Equity ONE PLUS
6.00% APR†‡
80% loan-to-value - Up to $250,000 - 10 year draw |
Fixed Rate 2nd Mortgage
80% loan-to-value
Up to $250,000 |
|
Example: Monthly Payment on $10,000 Loan |
| 5 Years |
7.00% APR‡ |
$198.06/month |
| 10 Years |
7.50% APR‡ |
$118.75/month |
| 15 Years |
7.75% APR† |
$94.17/month |
| 20 Years |
7.99% APR† |
$83.64/month |
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| Real Estate |
Call our Home Loan Center at
(800)
574-4556 |
Personal Loans
On approved credit. Your rate may vary. |
|
| TERM |
Annual Percentage Rate†
(as low as) |
| 36 Months |
11.50% APR‡ |
| 48 Months |
12.50% APR‡ |
| 60 Months |
13.50% APR‡ |
| |
|
| Signature Line of Credit |
As low as 12.95% APR‡ |
New Vehicle Loans
|
| Term |
Annual Percentage Rate‡
80%
Financing
as low as: |
Annual Percentage Rate‡
100%
Financing
as low as: |
| 24 Months |
5.75% APR‡ |
6.00% APR‡ |
| 36 Months |
5.75% APR‡ |
6.00% APR‡ |
| 48 Months |
5.75% APR‡ |
6.00% APR‡ |
| 60 Months |
5.75% APR‡ |
6.00% APR‡ |
| 72 Months* |
6.00% APR‡ |
6.25% APR‡ |
| 84 Months** |
6.25% APR‡ |
6.50% APR‡ |
Pre-Owned Vehicle Loans
|
| Term |
80% Financing
as low as: |
100% Financing
as low as: |
| 24 Months |
6.25% APR‡ |
6.50% APR‡ |
| 36 Months |
6.25% APR‡ |
6.50% APR‡ |
| 48 Months |
6.25% APR‡ |
6.50% APR‡ |
| 60 Months |
6.25% APR‡ |
6.50% APR‡ |
| 72 Months* |
6.50% APR‡ |
6.75% APR‡ |
| 84 Months** |
6.75% APR‡ |
7.00% APR‡ |
* Over $15,000 loan amount required.
**Over $25,000 loan amount required. |
New & Used Motorcycles & Personal
Water Craft
|
| Term |
Annual Percentage Rate‡
80% Financing
as low as: |
Annual Percentage Rate‡
100% Financing
as low as: |
| 48 Months |
9.75% APR‡ |
10.00% APR‡ |
| 60 Months |
10.25% APR‡ |
10.50% APR‡ |
*Over $15,000 loan amount
required.
**Over $25,000 loan amount required. |
New & Used RV, Trailer & Boat Loans
|
| Term |
80% Financing
as low as: |
100% Financing
as low as: |
| 60 Months |
7.50% APR‡ |
7.75% APR‡ |
| 84 Months |
8.00% APR‡ |
8.25% APR‡ |
| 108 Months |
8.50% APR‡ |
8.75% APR‡ |
| 144 Months |
9.25% APR‡ |
9.50% APR‡ |
|
†Annual Percentage Rate. The standard variable APR is Prime minus .75% (floor rate, minimum 6.00% APR) for Equity ONE PLUS (80% loan to value), which may vary monthly based on the Wall Street Journal prime rate.
‡APR = Annual Percentage Rate. All loans subject to credit approval. The rate is dependent upon the individual's credit profile. Rates, term and conditions subject to change without notice. Certain restrictions apply. |
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