Rates

Rates effective as of March 1, 2008.
Rates subject to change without notice, call 765-289-2148 for the most up-to-date rates.

Cars, Trucks, Vans, RV's, Motorcycles, and Boats 
Term APR Payment Example
(Rates may be higher depending on your credit score.)
New 2009 - 2007
up to 60 Month 
4.89% 
$10,000 Loan = $188.21 payment. 
New 2009 - 2007
72 Month 
5.89%  		Borrowed amount over $10,000
$10,000 loan = $165.21 payment.  
2007 - 2006
up to 60 Month 

5.15% 

$10,000 loan = $189.40 payment.  
2005 - 2004
up to 60 Month 		 5.15%  $10,000 loan = $189.40 payment.  
2003 - 2001
up to 60 Month 		 6.15%  $10,000 loan = $194.03 payment.  

2000 - 1996
up to 36 Month 

7.15%  $10,000 loan = $309.46 payment.  
Vintage
up to 36 Month 		 8.15%  $10,000 loan = $314.06 payment.  

Mortgages 
Term APR Payment Example
First Mortgages    Contact the mortgage department at 765-289-2148 (option # 3) for further details. 
5 year  5.125%  Principal & Interest payment is $189.29 for every $10,000 borrowed. 
10 year  5.375%  Principal & Interest payment is $107.91 for every $10,000 borrowed. 
15 year  5.625%  Principal & Interest payment is $82.37 for every $10,000 borrowed. 
20 year  5.750%  Principal & Interest payment is $70.21 for every $10,000 borrowed. 
30 year  5.875%  Principal & Interest payment is $59.15 for every $10,000 borrowed. 

Equity Loan
80% LTV

  
Term  APR  Payment Example
5 year 
7.75%  		Principal & Interest payment is $201.57 for every $10,000 borrowed. 
10 year  8.00%  Principal & Interest payment is $121.33 for every $10,000 borrowed. 
15 year  8.50%  Principal & Interest payment is $98.47 for every $10,000 borrowed. 

Equity Loan
81 - 90% LTV

    
Term  APR  Payment Example
5 year  8.25%  Principal & Interest payment is $203.96 for every $10,000 borrowed. 
10 year  8.50%  Principal & Interest payment is $123.99 for every $10,000 borrowed. 
15 year  9.00%  Principal & Interest payment is $101.43 for every $10,000 borrowed. 

Home Equity
Line of Credit

  APR  Payment Example
5.00%  Variable Rate

Personal Loan 
Term APR Payment Example
(Rates may be higher depending on your credit score.)
42 months  10.00%  $5,000 loan = $141.58 payment 
48 months 11.00%  $5,000 loan = $129.23 payment 
60 months  12.00%  $5,000 loan = $111.22 payment
First Time Borrower
up to 12 Months 		 11.00%  $500 Maximum Loan Amount; $500 loan = $44.19 payment

Share Covered Loans 
Term APR Payment Example
up to 60 Month    The APR is 3% added to the dividend rate of the account you are using for security. 

VISA Credit Cards 
Term APR Payment Example
VISA Classic  12.9%  Maximum $5,000 limit - payment will be 3% of your unpaid balance, or $25.00, whichever is greater.
VISA Gold  10.9%  Minimum $2,500 limit - payment will be 3% of your unpaid balance, or $25.00, whichever is greater.
VISA Platinum  9.9%  Minimum $5,000 limit - payment will be 3% of your unpaid balance, or $25.00, whichever is greater.

 

Checking 
Term Dividend rate APY ** Notes
Classic Share Draft  0%  0%   no minimum balance required
Preferred Share Draft   0.65%  0.65%  $1,000 minimum balance requirement 

IRA Accounts 
Term Dividend rate APY ** Notes
Individual Retirement Account 
1.98% 
2.00% 
IRA Certificates are also available at the current Share Certificate rate. 

Money Market 
Term Dividend rate APY ** Notes
$2,500 to $24,999  1.735%  1.75%  $2,500 minimum balance requirement 
Balances of $25,000 to $49,999 1.98%  2.00% 
Balances over $50,000 2.225%  2.25% 

Savings 
Term Dividend rate APY **
Share Savings  0.65%  0.65%   
Special Share  0.65%  0.65%   
Christmas Club  0.65%  0.65%   

Share Certificates - $500 min 
Term Dividend rate APY ** Notes
6 month 3.25%  3.30%  IRA certificate available at the same rate. 
12 month 3.25%  3.30%  IRA certificate available at the same rate. 
24 month 3.30%  3.35%  IRA certificate available at the same rate. 
36 month 3.30%  3.35%  IRA certificate available at the same rate. 
48 month  3.35%  3.40%  IRA certificate available at the same rate. 
60 month 3.35%  3.40%  IRA certificate available at the same rate. 

Dividend rates may vary after account is opened. Fees may reduce earnings.

** APY is Annual Percentage Yield based on assumption that dividends remain on deposit.