MORTGAGE LOAN RATES
| PRODUCT | TERM | RATE | APR% | POINTS |
|---|---|---|---|---|
| Single Family(SF) Conventional Fixed | 30 year 20 year 15 year 10 year | 3.25% 2.875% 2.50% 2.375% | 3.681% 3.251% 2.853% 2.727% | 0% |
| SF 7/1 ARM | 30 year | 3.99% | 4.493% | 1.00% (0% on Shared Equity Homes) |
| 2-4 Unit 7/1 ARM | 30 year | 3.99% | 4.536% | 1.50% |
| 20 Year Conventional 1-4 Units | 20 year | 3.375% | 4.047% | 1.00% |
| 15 Year Conventional 1-4 Units | 15 year | 2.50% | 3.261% | 1.00% |
| Mobile Home in a Park/Co-op | 10 year | 9.99% | 10.551% | 1.50% |
Details and Requirements Fees & Penalties
CONSUMER LOAN RATES
| PRODUCT | MAX TERMS | APR* % (As Low As) |
|---|---|---|
| New & Used Auto | 36 Months 48 Months 60 Months 72 Months 84 Months | 2.99% 3.49% 3.99% 4.49% 4.99% |
| Wow Auto | 36 Months 48 Months 60 Months 72 Months 84 Months | 4.99% 5.49% 5.99% 6.49% 6.99% |
| Mini Wow | 36 Months | 9.99% |
| Independence Fund | 60 Months | 3.00% |
| Home Improvement Loan | 36 Months 48 Months 60 Months | 3.99% 4.49% 4.99% |
| Home Energy Loan | 60 Months 120 Months 180 Months | 0.00% 1.99% 2.99% |
| Citizenship Loan | 12 Months | 5.99% |
| Emergency (ELF) Loan | 36 Months | 15.00% |
| Credit Builder Loan | 36 Months | 15.00% |
| Borrow & $ave | 12 Months 36 Months | 18.00% 15.00% |
| Simple 5 | 60 Months | 9.99% |
Details and Requirements Fees & Penalties
Basic Savings
| RATE | APY* | MINIMUM BALANCE REQUIRED | MONTHLY SERVICE CHARGE | |
|---|---|---|---|---|
| .10% | .10% | $25 | Free | |
Details and Requirements Fees & Penalties
Disclaimers are at the bottom of this page. Rates may change without notice.
Simple Checking
| RATE | APY* | MINIMUM BALANCE REQUIRED | MONTHLY SERVICE CHARGE | |
|---|---|---|---|---|
| 0 | o | $50 | Free | |
Details and Requirements Fees & Penalties
Wow Checking
| RATE | BALANCE | APY* | BALANCE REQUIRED | MONTHLY SERIVCE CHARGE | |
|---|---|---|---|---|---|
| .0% | $0 - $199 | - | $50 | Free | |
| .15% | $200 - $50,000 | .15% | $200 | Free | |
| .30% | Over $50,000 | .30% | $200 | Free | |
Details and Requirements Fees & Penalties
Disclaimers are at the bottom of this page. Rates may change without notice.
Money Market Account
| RATE | REQUIRED BALANCE TO EARN INTEREST | APY** | MONTHLY SERVICE FEE |
|---|---|---|---|
| .00% | $0 - $500 | 0 | Free |
| .05% | $500 - $9,999 | .05% | Free |
| .15% | $10,000 - $50,000 | .15% | Free |
| .20% | $50,000 - $99,000 | .20% | Free |
| .25% | $100,000 and over | .25% | Free |
Details and Requirements Fees & Penalties
Disclaimers are at the bottom of this page. Rates may change without notice.
“No Interest” Savings
| Rate | APY | MINIMUM BALANCE | MONTHLY SERVICE CHARGE |
|---|---|---|---|
| 0% | 0% | $25 | Free |
Details and Requirements Fees & Penalties
Disclaimers are at the bottom of this page. Rates may change without notice.
Super-Duper Kid’s Savings Account
| RATE | APY | MINIMUM BALANCE | MINIMUM BALANCE TO EARN INTEREST | MONTHLY SERVICE FEE |
|---|---|---|---|---|
| .25% | .25% | $25 | $25 | Free |
Details and Requirements Fees & Penalties
Disclaimers are at the bottom of this page. Rates may change without notice.
Social Investor CDs
| RATE | Term | APY* | |||
|---|---|---|---|---|---|
| .10% | 12 Month | .10% | |||
| .20% | 24 Month | .20% | |||
| .30% | 36 Month | .30% | |||
| .40% | 48 Month | .401% | |||
| .50% | 60 Month | .501% |
Disclaimers are at the bottom of this page. Rates may change without notice.
Certificates and IRA Certificates
| TIME | RATE | APY* | MINIMUM BALANCE TO EARN INTEREST | MONTHLY SERVICE CHARGE | |
|---|---|---|---|---|---|
| 12-Month | .35% | .351% | $500 | Free | |
| 18-Month | .35% | .351% | $500 | Free | |
| 24-Month | .45% | .451% | $500 | Free | |
| 36-Month | .60% | .601% | $500 | Free | |
| 48-Month | .60% | .601% | $500 | Free | |
| 60-Month | .80% | .802% | $500 | Free | |
Details and Requirements Fees & Penalties
Disclaimers are at the bottom of this page. Rates may change without notice.
DISCLAIMERS
* APR = annual percentage rate is an annual rate charged for borrowing or earned through an investment.
** APY = annual percentage yield which is the real rate of return earned on a savings deposit or investment taking into account the effect of compounding interest.
APY is based on monthly interest compounding for Regular Member Savings, E-Checking Account and Savvy Senior Checking Account. Quarterly interest compounding applies to all Certificates of Deposit Accounts and assumes interest remains in the account until closed.
Penalties may apply for early withdrawal of Certificate of Deposit Accounts. These accounts will automatically renew at maturity unless funds are withdrawn or a written notice is received within the 10 day grace period.
Rates may change without notice.
