Rates in effect as of 08/15/06 and subject to change without notice. Call for current rates. APR = Annual Percentage Rate. APY = Annual Percentage Yield.
| Investments | |||
| Required Balance | Rate | APY | |
| Regular
& Special Shares Effective 08/15/2006 |
$5.00 to $199.99 | 0.25% | 0.250% |
| $200 to $1,999.99 | 0.25% | 0.250% | |
| $2,000 to $4,999.99 | 0.50% | 0.501% | |
| $5,000 and over | 0.90% | 0.904% | |
| Share Draft Effective 08/15/2006 |
.90% | .90% | |
| Dividends are paid to share draft accounts with an average daily balance of $250 or more. | |||
| IRA Shares | $5.00 and over | 1.25% | 1.257% |
| Money Markets Effective 08/15/2006 |
$5,000 - $14,999.99 | 1.50% | 1.510% |
| $15,000 - $29,999.99 | 1.50% | 1.510% | |
| $30,000 - $49,999.99 | 2.50% | 2.529% | |
| $50,000 and Over | 3.00% | 3.042% | |
| Term | Rate | APY | |
Regular
Share Certificates |
6 Months | 4.41% | 4.50% |
| 1 Year | 5.13% | 5.25% | |
| 2 Years | 5.225% | 5.35% | |
| 3 Years | 5.366% | 5.50% | |
| 5 Years | 5.85% | 6.00% | |
| IRA Share Certificates Effective 08/15/2006 |
6 Months | 4.66% | 4.76% |
| 1 Year | 5.38% | 5.515% | |
| 2 Years | 5.475% | 5.615% | |
| 3 Years | 5.616% | 5.763% | |
| 5 Years | 6.10% | 6.274% | |
| Call about our certificate specials. Jumbo Certificates are also available. Ask a Member Service Representative for details. | |||
| Secured Loans | |||
| Loan Type | Maximum Amount | Term | APR |
| New Auto, Truck or RV | 100% of selling price | up to 72 months | as low as 6.24% |
| Used Auto, Truck or RV price | 100% of selling price | up to 60 months | as low as 6.24% |
| New/Used Boat or Motorcycle | 100% of selling price | up to 54 months | as low as 7.24% |
| New/Used All Terrain Vehicles | 100% of selling price | up to 48 months | as low as 9.24% |
| Share/Certificate Secured | Value of pledged shares | No set term | 3% Differential |
| Revolving Credit Loans | |||
| Loan Type | Maximum Amount | Term | APR |
| Horizons Premium VISA Card | $20,000 | Not applicable | 10.90% |
| Horizons VISA Classic Card | $10,000 | Not applicable | 16.92% |
| Unsecured and Personal Loans | |||
| Loan Type | Maximum Amount | Term | APR |
| Signature - Open End | $20,000 | up to 48 months | as low as 12.99% |
| Consolidation - Open End | No Limit | up to 36 months | as low as 12.99% |
| Overdraft Line of Credit | $5,000 | up to 60 months* | as low as 16.00% |
| *Payment for Overdraft Line of Credit is based on a 60-month payout on a maximum balance line of credit. | |||
| Student/Education Loans | |||
| Loan Type | Maximum Amount | Term | APR |
| Stafford Student Loans | Call us at 1-800-449-3221 | 3.46% | |
| Parent PLUS Loans | Call us at 1-800-449-3221 | 4.86% | |
| Home Equity Loans | |||
| Loan Type | Maximum Amount | Term | APR |
| Variable Rate - Open End | 90% LTV** | 15 Years | As low as 9.25% |
| Fixed Rate† - Open End | 100% LTV** | 5 Years | As low as 8.49% |
| Fixed Rate† - Closed End | 100% LTV** | 10 Years | As low as 9.50% |
| Fixed Rate† - Closed End | 100% LTV** | 15 Years | As low as 10.00% |
**LTV is the Loan
to Value of the home. If a home is valued at $100,000, 80% loan to value
is $80,000. The credit union will lend you the difference between what
is owed on the home and the LTV amount. That is, if you owed $50,000 on
the example above, the credit union would lend you up to $30,000, based
on your ability to repay.
†Fixed rate loans are listed at their lowest rate. The Maximum LTV
listed does not necessarily correspond to the rate listed.
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