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Loans | Mortgages | Savings | Certificates | Fee Schedule
Rates effective 07/30/08. APR=Annual Percentage Rate. All loan applications are subject to normal underwriting standards and are subject to change without notice. Rates are shown "as low as" and will be based on credit worthiness and the loan term. Rates reflect a 1/4% discount for automatic payment except for the HELOC and savings secured loans.
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Loans |
| TYPE |
TERM |
APR* |
PAYMENT |
| Home Equity |
|
|
|
| 60 months |
5.25% |
$18.99 |
| 120 months |
6.00% |
$11.11 |
| 179 months |
6.25% |
$8.58 |
| Home Equity Line of Credit |
— |
4.49% |
|
| Vehicle ( 2007-2008) |
36 months |
5.75% |
$30.31 |
| 48 months |
6.00% |
$23.48 |
| 60 months |
6.25% |
$19.45 |
| 72 months |
6.99% |
$17.05 |
| Used Vehicle (2001-2006) |
60 months |
6.75% |
$19.69 |
| Used Vehicle (1997-2000) |
60 months |
7.00% |
$19.81 |
| Used Vehicle |
|
|
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| Recreational Vehicle (2004-2008) |
60 months |
6.75% |
$19.69 |
| 84 months |
7.50% |
$15.34 |
| 120 months |
7.75% |
$12.01 |
| Used Recreational Vehicle |
60 months |
7.50% |
$20.04 |
| 84 months |
8.75% |
$15.97 |
| Mobile Home (2000-2007) |
60 months |
7.49% |
$19.92 |
| 84 months |
8.49% |
$15.71 |
| 120 months |
9.24% |
$12.66 |
| New Boats (2004-2008) |
60 months |
6.75% |
$19.69 |
| 84 months |
7.50% |
$15.34 |
| Motorcycle (2006-2008) |
60 months |
6.99% |
$19.80 |
| 72 months |
7.74% |
$17.41 |
| Used Motorcycle (1997-2005) |
60 months |
7.99% |
$20.28 |
| Personal Unsecured Loan |
36 months |
9.50% |
$32.03 |
| 48 months |
9.99% |
$25.36 |
| 60 months |
10.99% |
$21.75 |
| Savings/Certificate/Annuity/Life Secured Loan |
60 months |
6.00% |
$19.34 |
| 72 months |
6.25% |
$16.70 |
| 84 months |
6.50% |
$14.86 |
| 96 months |
6.75% |
$13.52 |
| 108 months |
7.00% |
$12.51 |
| 120 months |
7.25% |
$11.75 |
| West-AirComm Platinum VISA® Card |
|
9.50% |
|
| West-AirComm Classic VISA® Card |
— |
12.90% |
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*APR=Annual Percentage Rate. Home Equity Rates are based on loan-to-value ratio of 80%. Other rates may apply. Home Equity Line of Credit rate is good for 12 billing periods and then the rate will be based on the Wall Street Journal prime rate. The HELOC rate could change quarterly based on the Wall Street Journal prime rate. There is an annul 2.00% cap with a floor of 5.00% and maximum 17.75% rate.
Go To Loan Application | Go to Loan Calculator | Back to Top
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| Mortgages |
| TYPE |
RATE |
APR* |
POINTS |
| 10-Year Fixed Mortgages |
6.00% |
6.216% |
0 |
| 5.75% |
6.187% |
1 |
| 5.50% |
6.158% |
2 |
| 15-Year Fixed Mortgages |
6.125% |
6.279% |
0 |
| 5.875% |
6.186% |
1 |
| 5.625% |
6.092% |
2 |
| 20-Year Fixed Mortgages |
6.25% |
6.374% |
0 |
| 6.00% |
6.249% |
1 |
| 5.75% |
6.123% |
2 |
| 30-Year Fixed Mortgages |
6.375% |
6.469% |
0 |
| 6.125% |
6.314% |
1 |
| 5.875% |
6.157% |
2 |
*APR=Annual Percentage Rate
Go To Loan Application | Go to Mortgage Calculators | Back to Top
Annual percentage yield is accurate as of 07/30/08. APY=Annual Percentage Yield.
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| Savings |
| TYPE |
MINIMUM BALANCE |
DIVIDEND RATE |
APY* |
| Share/Savings ** |
$5.00 |
0.500% |
0.500% |
| Christmas & Vacation Club Accounts |
$5.00 |
0.500% |
0.500% |
| Kids' Account |
$1.00 |
0.500% |
0.500% |
| Regular Money Market |
$2,000.00 |
1.240% |
1.250% |
| Money Market |
$10,000.00 |
2.230% |
2.250% |
*APY=Annual Percentage Yield
** You must maintain a minimum daily balance of $100.00 in your account to obtain the disclosed annual percentage yield.
Go To Savings Application | Go to Savings Calculators | Back to Top
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| Certificates |
| TYPE |
MINIMUM DEPOSIT |
DIVIDEND RATE |
APY* |
TERM |
|
Certificate of Deposit**
|
$2,500 |
1.980% |
2.000% |
3 months |
| $2,500 |
3.080% |
3.100% |
6 months |
| $500 |
3.210% |
3.250% |
12 months |
| $500 |
3.450% |
3.500% |
24 months |
| $500 |
4.000% |
4.060% |
30 months |
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Roth IRA Certificate of Deposit**
|
$500 |
3.080% |
3.100% |
6 months |
| $500 |
3.210% |
3.250% |
12 months |
| $500 |
3.450% |
3.500% |
24 months |
| $500 |
4.000% |
4.060% |
30 months |
| Roth Money Market IRA Account |
$10 |
2.970%
|
3.000% |
— |
| Educational Money Market IRA Account |
$10 |
2.970% |
3.000% |
— |
| Traditional IRA Money Market Account |
$10 |
2.970% |
3.000% |
— |
| Traditional IRA Certificate of Deposit** |
$500 |
3.210% |
3.250% |
12 months |
| $500 |
3.450% |
3.500% |
24 months |
| $500 |
4.000% |
4.060% |
30 months |
*APY=Annual Percentage Yield
** There may be a penalty for early withdrawal
Go To Savings Application | Go to Savings Calculators | Back to Top
All accounts are federally insured to $100,000 by the National Credit Union Administration, a U.S. Government Agency.
IRA accounts are federally insured up to $250,000 by the National Credit Union Administration, a U.S. Government Agency.
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