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Loans | Savings | Certificates

Current Loan Rates are as of May 1, 2008. 

Loan rates are subject to change without notice.

 
 
Loan Calculator

 

Loans

Rate

APR*

Term

Payment based on $1000 borrowed

Fixed Rate Home Equity

       
     (rates based on 5,000.00 minimum)        
Fixed Rate Home Equity

5.99

5.99

36

$30.42
Fixed Rate Home Equity

5.00

5.00

60 $18.88
Fixed Rate Home Equity

6.49

6.49

120 $11.36
Fixed Rate Home Equity

6.84

6.84

180 $8.87
Fixed Rate Home Equity

6.99

6.99

240 $7.71
         

Variable Home Equity Line of Credit 

 

     
    - $5000-$200,000

4.00 

4.00 

120  $10.11 
         
New Car Purchase        
     - Up to $60,000.00        
     - 1% discount for Hybrid Vehicles        
New Car Purchase - Up to $60,000.00

4.49

4.49

36 $29.75
New Car Purchase - Up to $60,000.00

6.04

6.04

48 $23.51
New Car Purchase - Up to $60,000.00

6.39

6.39

60 $19.52

New Car Purchase - Up to $60,000.00

6.99

6.99

72 $17.05
New Car Purchase - Up to $60,000.00

7.49

7.49

84 $15.34
         

Used Car Purcahse

 

 

 

 

     - Up to $60,000.00

 

 

 

 

     - 1% discount for Hybrid Vehicles

 

 

 

 

Used Car Purchase - Up to $60,000.00

4.49

4.49

36

$29.75

Used Car Purchase - Up to $60,000.00

6.04

6.04

48

$23.51

Used Car Purchase - Up to $60,000.00

6.39

6.39

60

$19.52

Used Car Purchase - Up to $60,000.00

6.99

6.99

72

$17.05
Used Car Purchase - Up to $60,000.00

7.49

7.49

84 $15.34
         
**Personal Line of Credit        
     - Up to $10,000

10.25

10.25

- $-
         
Unsecured Personal        
Unsecured Personal - Up to $20,000

10.59

10.59

36 $32.54
Unsecured Personal - Up to $20,000

11.29

11.29 48 $25.99
Unsecured Personal - Up to $20,000

11.99

11.99

60

$22.24

Unsecured Personal - Up to $20,000

12.69

12.69

72 $19.92
Unsecured Personal - Up to $20,000

13.39

13.39

84

$18.42

   

 

   
Seasonal Loan

5.55

5.55

12

$85.66

         
Share Secured - 95% of Share Value

4.99

4.99

120

$10.61

         

* APR = Annual Percentage Rate 

** APR may vary on all our Line of Credit Loans

*** The maximum APR for a variable rate plan is 18%
 
The minimum loan amount accepted for application is $500.00
 
  • The premium for credit disability insurance may be added to the approved value of the loan if a member wishes to purchase the insurance.
  • New and Used vehicle loans purchased through a dealer are limited to sales price plus tax.
  • Used vehicles purchased privately are limited to 80% of the private sale value in good condition, as per Kelley Blue Book website.
  • Home Equity loans are limited to 90% of property value minus any existing liens. Loans are limited to 1 to 4 family, owner occupied, residential properties. Loans are limited to real estate located in the following counties:
 
BERKS, BUCKS, CARBON, LEHIGH, MONTGOMERY, NORTHAMPTON, SCHUYLKILL

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Current Share Dividend Rates are as of May 1, 2008.  

Share dividend rates are subject to change without notice.
Share dividends are credited to your account monthly.

 

 

Savings

Dividend Rate

APY*
Regular Shares (S1)

1.04

1.05

     - Min. Balance of $5.00 to earn the advertised yield    
Holiday Shares (S2)

0.79

0.80

Vacation Shares (S3)

0.79

0.80

Share Draft/Checking (S4)

0.10

0.10

IRA (S5)

1.19

1.20

Alternate Shares (S6)

0.79

0.80

Statement Savings (S7)

1.04

1.05

     - Min. Balance $5,000 to earn the advertised yield  

 

Super Saver (S8)

1.04

1.05

     - Min. Balance $1,000 to earn the advertised yield    
Roth Contributory IRA (S10)

1.19

1.20

Roth Conversion IRA (S20)

1.19

1.20

     

*APY = Annual Percentage Yield

Annual percentage yield is subject to change on a monthly basis.

Fees could reduce earnings on the account (only applies if maintenance or activity fees are associated with the account).


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Certificates

Dividend Rate

APY*

Term

3 Month Share/IRA Certificate $500+

2.47

2.50

3

6 Month Share/IRA Certificate $500+

2.86

2.90

6

12 Month** Share/IRA Certificate $500 + 

2.96

3.00

12

24 Month** Share/IRA Certificate $500 + 

3.20

3.25

24

36 Month** Share/IRA Certificate $500 +

3.39

3.45

36

60 Month Share/IRA Certificate $500 +

3.49

3.55

60

       

*APY = Annual Percentage Yield

**Step-Up Certificate available for 12, 24 & 36 month, same rate.

Annual percentage yield is subject to change monthly.

Share Certificates are term accounts and a penalty will or may be imposed for early withdrawal.


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