Term | As Low As APR* | Payment per $1,000** |
---|---|---|
Term 36 Months |
As Low As APR* 5.99% |
Payment per $1,000** $30 |
Term 48 Months |
As Low As APR* 5.99% |
Payment per $1,000** $23 |
Term 60 Months |
As Low As APR* 5.99% |
Payment per $1,000** $19 |
Term 72 Months |
As Low As APR* 6.24% |
Payment per $1,000** $17 |
Term | As Low As APR* | Payment per $1,000** |
---|---|---|
Term 36 Months |
As Low As APR* 6.99% |
Payment per $1,000** $31 |
Term 48 Months |
As Low As APR* 6.99% |
Payment per $1,000** $24 |
Term 60 Months |
As Low As APR* 6.99% |
Payment per $1,000** $20 |
Term | As Low As APR* | Payment per $1,000** |
---|---|---|
Term New: 2019 – 2023 (36-60 Months) |
As Low As APR* 7.74% |
Payment per $1,000** $20 |
Term New: 2019 – 2023 (72 Months) |
As Low As APR* 7.99% |
Payment per $1,000** $18 |
Term Used: 2014 – 2018 (36-60 Months) |
As Low As APR* 8.99% |
Payment per $1,000** $21 |
Term Used: 2013 and older |
As Low As APR* 10.49% |
Payment per $1,000** $22 |
Term | As Low As APR* | Payment per $1,000** |
---|---|---|
Term Signature** |
As Low As APR* 11.49% |
Payment per $1,000** $22 |
Term Line of Credit** |
As Low As APR* 16.49% |
Payment per $1,000** $22 |
Term Deposit Collateral (Share/CD) |
As Low As APR* 3.00% |
Payment per $1,000** $0 |
Term | As Low As APR* | Payment per $1,000** |
---|---|---|
Term 36 Months |
As Low As APR* 6.49% |
Payment per $1,000** $31 |
Term 48 Months |
As Low As APR* 6.49% |
Payment per $1,000** $24 |
Term 60 Months** |
As Low As APR* 6.49% |
Payment per $1,000** $20 |
Term 72 Months** |
As Low As APR* 6.74% |
Payment per $1,000** $17 |
Real Estate Loan Rates
Mortgage Term | Interest Rate Starting At | APR Starting at* | Payment per $150,000** | Cost° |
---|---|---|---|---|
Mortgage Term 30 Year Fixed |
Interest Rate Starting At 5.875% |
APR Starting at* 6.016% |
Payment per $150,000** $887 |
Cost° $188 |
Mortgage Term 20 Year Fixed |
Interest Rate Starting At 5.750% |
APR Starting at* 5.953% |
Payment per $150,000** $1,053 |
Cost° $375 |
Mortgage Term 15 Year Fixed |
Interest Rate Starting At 5.625% |
APR Starting at* 5.859% |
Payment per $150,000** $1,236 |
Cost° $188 |
Mortgage Term 7/1 ARM 30 Year^ |
Interest Rate Starting At 7.500% |
APR Starting at* 7.515% |
Payment per $150,000** $1,049 |
Cost° $0 |
Mortgage Term 5/1 ARM 30 Year^ |
Interest Rate Starting At 7.250% |
APR Starting at* 7.373% |
Payment per $150,000** $1,023 |
Cost° $0 |
Mortgage Term 3/1 ARM 30 Year^ |
Interest Rate Starting At 7.250% |
APR Starting at* 7.367% |
Payment per $150,000** $1,023 |
Cost° $0 |
Term | As Low As APR* | Payment per $1,000** |
---|---|---|
Term Equity Line of Credit: up to 80% CLTV** |
As Low As APR* 6.49% |
Payment per $1,000** $11 |
Term Equity Line of Credit: up to 90% CLTV** |
As Low As APR* 7.24% |
Payment per $1,000** $12 |
Term Equity Line of Credit: up to 100% CLTV** |
As Low As APR* 7.99% |
Payment per $1,000** $12 |
Term Easy Equity Loan: up to 80% CLTV** |
As Low As APR* 6.24% |
Payment per $1,000** $11 |
Term Easy Equity Loan: up to 90% CLTV** |
As Low As APR* 6.74% |
Payment per $1,000** $11 |
Term Easy Equity Loan: up to 100% CLTV** |
As Low As APR* 7.99% |
Payment per $1,000** $12 |
Loan Type | Term | APR as low as* |
---|---|---|
Loan Type Land Loan |
Term Fixed rate, 60 months. (Terms up to 120 months). |
APR as low as* 10.99%* |
Loan Type Manufactured Home Loans |
Term Financing of mobile homes available; call for scenario pricing |
APR as low as* Call: 207-854-6000 ext. 4110 |
Deposit Account Rates
Average Balance | # Monthly Transactions | Dividend Rate | APY** |
---|---|---|---|
Average Balance 0 – $5,000 |
# Monthly Transactions 0 – 24 |
Dividend Rate 1.25% |
APY** 1.26% |
Average Balance 0 – $5,000 |
# Monthly Transactions 25+ |
Dividend Rate 2.50% |
APY** 2.53% |
Average Balance $5,001 and over |
# Monthly Transactions 0 – 24 |
Dividend Rate 0.05% |
APY** 0.05% |
Average Balance $5,001 and over |
# Monthly Transactions 25+ |
Dividend Rate 0.05% |
APY** 0.05% |
Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Opening Balance
$500
Balance Method
Daily Balance Method
Member Share | APY* | Dividend Rate |
---|---|---|
Member Share $5-$5,000 |
APY* 0.15% |
Dividend Rate 0.15% |
Member Share $5,001-$25,000 |
APY* 0.15% |
Dividend Rate 0.15% |
Member Share Over $25,000 |
APY* 0.15% |
Dividend Rate 0.15% |
Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Opening Balance
$5
Balance Method
Daily Balance
Money Market | APY* | Dividend Rate |
---|---|---|
Money Market $0-$4,999 |
APY* 0.25% |
Dividend Rate 0.25% |
Money Market $5,000-$9,999 |
APY* 1.25% |
Dividend Rate 1.24% |
Money Market $10,000-$19,999 |
APY* 1.35% |
Dividend Rate 1.34% |
Money Market $20,000-$49,999 |
APY* 2.30% |
Dividend Rate 2.28% |
Money Market $50,000-$74,999 |
APY* 2.40% |
Dividend Rate 2.38% |
Money Market $75,000-$99,999 |
APY* 2.45% |
Dividend Rate 2.43% |
Money Market $100,000-$249,999 |
APY* 2.50% |
Dividend Rate 2.48% |
Money Market $250,000-$499,999 |
APY* 3.00% |
Dividend Rate 2.97% |
Money Market $500,000 and over |
APY* 3.10% |
Dividend Rate 3.07% |
Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Opening Balance
$0
Minimum Required Balance
$0
Balance Method
Daily Balance
Balance** | Rate | APY |
---|---|---|
Balance** $0 – $9,999 |
Rate 1.24% |
APY 1.25% |
Balance** $10,000 and over |
Rate 1.34% |
APY 1.35% |
Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Opening Balance
$25
Minimum Required Balance
N/A
Balance Method
Daily Balance
IRA Accumulation / Builder | APY* | Dividend Rate |
---|---|---|
IRA Accumulation / Builder $25-$49,999 |
APY* 0.35% |
Dividend Rate 0.35% |
IRA Accumulation / Builder $50,000-$74,999 |
APY* 0.40% |
Dividend Rate 0.40% |
IRA Accumulation / Builder $75,000-$99,999 |
APY* 0.40% |
Dividend Rate 0.40% |
IRA Accumulation / Builder $100,000 and over |
APY* 0.50% |
Dividend Rate 0.50% |
Dividends
Dividends Compounded
Quarterly
Dividends Credited
Quarterly
Dividend Period
Quarterly
Balance Requirements
Minimum Opening Balance
$500
Minimum Required Balance
$2,500
Balance Method
Daily Balance
IRA / Share Certificates | APY* | Dividend Rate |
---|---|---|
IRA / Share Certificates 3 Month** |
APY* 3.00% |
Dividend Rate 2.97% |
IRA / Share Certificates 6 Month |
APY* 3.10% |
Dividend Rate 3.07% |
IRA / Share Certificates 9 Month (limited time rate) |
APY* 4.50% |
Dividend Rate 4.43% |
IRA / Share Certificates 12 Month |
APY* 4.05% |
Dividend Rate 3.99% |
IRA / Share Certificates 18 Month |
APY* 4.00% |
Dividend Rate 3.94% |
IRA / Share Certificates 24 Month |
APY* 3.90% |
Dividend Rate 3.84% |
IRA / Share Certificates 36 Month |
APY* 1.80% |
Dividend Rate 1.79% |
IRA / Share Certificates 48 Month |
APY* 1.85% |
Dividend Rate 1.84% |
IRA / Share Certificates 60 Month |
APY* 1.95% |
Dividend Rate 1.94% |
Account Information
Minimum Opening Deposit
N/A
Dividends Calculated
Daily
Dividends Compounded
Quarterly
Dividends Credit
Quarterly
Dividend Period
Quarterly
Balance Method
Daily Balance Method
Transaction Limitations – Penalties may apply for early withdrawal.
Additional Deposits
Not Allowed
Dividend Withdrawal
Allowed
Renewable
Automatic
Owner Participation Account | APY* | Dividend Rate |
---|---|---|
Owner Participation Account (OPA) |
APY* 0.50% |
Dividend Rate 0.50% |