Rates

Loans | Savings

These rates are effective as of February 1, 2012. Rates are subject to change and are not guaranteed. For questions concerning current rate information, contact us anytime during regular business hours.

Loans	APR*	Term
New Car Loan (up to 60 months)	3.000-16.000	60 months	Calculator
New Car Loan (61 to 84 months)	4.000-17.000	61-84 months	Calculator
Late Model Auto (up to 60 months)	3.500-16.500	60 months	Calculator
Late Model Auto (61 to 84 months)	4.500-17.500	61-84 months	Calculator
Used Car Loan	4.750-18.000	n/a	Calculator
Recreational Vehicles	7.000-18.000	n/a	Calculator
Signature Loans	9.900-18.000	n/a	Calculator
Share Secured Loan	varies	n/a	Calculator
Visa	9.900-18.000	n/a	Calculator
Home Equity (NC Residents) *Floor of 4.00% on 85% equity	prime	n/a	Calculator

*APR = ANNUAL PERCENTAGE RATE, As a note we are now using risk-based lending and the rates above are at the bottom of the rate curve. Call one of our loan officers to find out what rate you will be eligible for.

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Savings	Dividend Rate	APY*	Term
Share Savings $25 minimum	0.350	0.350	n/a
Money Market Savings $2,500-$9,999	0.500	0.500	n/a
Money Market Savings $10,000-$24,999	0.650	0.650	n/a
Money Market Savings $25,000-$49,999	0.750	0.750	n/a
Money Market Savings $50,000 and up	0.850	0.850	n/a
6 Month Share Certificate $10,000 minimum	0.650	0.650	6 months
1 year Share Certificate $1,000 minimum	0.800	0.800	1 year
2 year Share Certificate $1,000 minimum	0.950	0.950	2 years
3 year Share Certificate $1,000 minimum	1.200	1.210	3 years
5 year Share Certificate $1,000 minimum	1.500	1.510	5 years
1 year Share Certificate $50,000 minimum	0.900	0.900	1 year
2 year Share Certificate $50,000 minimum	1.000	1.000	2 years
3 year Share Certificate $50,000 minimum	1.350	1.360	3 years
5 year Share Certificate $50,000 minimum	1.700	1.710	5 years
Checking	0.150	0.150	n/a
IRA Accounts	1.000	1.000	n/a

*APY = ANNUAL PERCENTAGE YIELD
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