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Consumer Loan Rates

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Vehicle Loan Rates11.01.09
Type Term APR (as low as)2
New Vehicleup to 60 months4.69%
 up to 72 months5.00%
Used Vehicle1up to 60 months5.99%
 up to 66 months6.99%
1Maximum term for model year 2001 & older is 48 months.
2Rates are based on an evaluation of applicant credit. Final rate may vary at closing.

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Motorcycle Loan Rates11.01.09
Type Term APR (as low as)1
New Motorcycleup to 72 months6.99%
Used Motorcycleup to 66 months6.99%
1Rates are based on an evaluation of applicant credit. Final rate may vary at closing.

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Boat & RV Loan Rates11.01.09
Type Term APR (as low as)1
New Boat or RVup to 72 months7.49%
Used Boat or RVup to 66 months7.49%
1Rates are based on an evaluation of applicant credit. Final rate may vary at closing.

Credit Cards11.01.09
Type APR (as low as)
VISA Platinum8.90%
VISA Gold10.90%
VISA Classic (variable rate credit line)12.00%

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Personal Loan Rates11.16.09
Type Term APR (as low as)1
Holiday Loan Specialup to 12 months6.99%
Personal Line of Credit (variable rate)N/A9.00%
Personal Loans (fixed rate)up to 24 months10.99%
 up to 36 months11.99%
 up to 60 months12.99%
Share or Certificate-Secured Loanvaries2% above pledged account dividend rate
1Rates are based on an evaluation of applicant credit. Final rate may vary at closing.


Mortgage & Home Equity Rates

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Mortgage - Fixed Rate11.10.09
Term Points Rate APR1
10 Years04.375%4.375%
 33.625%4.275%
    
15 Years04.500%4.500%
 33.750%4.201%
    
20 Years04.875%4.875%
 34.125%4.482%
    
30 Years05.000%5.000%
 34.250%4.509%
    
40 Years05.875%5.875%
 35.125%5.353%
1All APR calculations for fixed and adjustable mortgage rates are based on a $100,000 loan amount with 20%, 30 days of interest, and applicable prepaid charges. Rates apply to loan requests up to $417,000. Jumbo Mortgage rates are 1/4% higher than those shown. Construction Mortgage - please call for current rates and fees. Please contact the Mortgage Department for down payment requirements at 610.821.2400, extension 6775. Other rate and point combinations are available.

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Mortgage - Hybrid Adjustable Rate11.09.09
Terms1 Points Rate APR
1/1 Adjustable03.300%3.300%
 12.900%2.980%
    
3/1 Adjustable03.670%3.670%
 13.270%3.352%
    
5/1 Adjustable04.530%4.530%
 14.130%4.216%
    
7/1 Adjustable04.890%4.890%
 14.490%4.578%
    
10/1 Adjustable05.370%5.370%
 14.970%5.061%
1Maximum term is 30 years.

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Home Equity Line of Credit11.01.09
Loan to Value APR
3-Year fixed-rate introductory period1up to 90%4.99%
Variable rate2up to 90%4.00 (as low as)
1The rate for this loan, after the introductory period, are based on the applicant's credit score at the time of application.
2The rate for this loan type, after the introductory period, are based on an evaluation of applicant credit. The minimum interest rate for a Home Equity Line of Credit is the Prime Rate, minus a margin, with a floor as low as 4% and maximum ceiling of 15%.

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Home Equity Loan11.01.09
Term Loan to Value Rate (as low as) APR (no fees)1
5 Yearsup to 80%5.99%5.99%
 up to 90%6.99%6.99%
    
10 Yearsup to 80%6.49%6.49%
 up to 90%7.49%7.49%
    
15 Yearsup to 80%6.99%6.99%
 up to 90%7.99%7.99%
    
20 Yearsup to 80%7.49%7.49%
 up to 90%8.49%8.49%
1All APR calculations on Home Equity Loans are based on a $20,000 loan. The rates for this loan type are based on an evaluation of applicant credit.


Savings Rates

Savings11.01.09
Type Minimum Balance Dividend Rate APY1
Share/Savings$50.30%0.30%
Flex Club SavingsNone0.30%0.30%
IRA SavingsNone0.30%0.30%
Health Savings$10,000 or greater1.29%1.30%
 $1,500 or greater0.75%0.75%
 Less than $1,5000.40%0.40%
Mortgage EscrowNone0.25%N/A
1APY denotes Annual Percentage Yield. Dividend rates and APY's are variable and may change after the account is opened. Fees could reduce the earnings on the account.

Checking11.01.09
Type Minimum Balance Dividend Rate APY1
Value CheckingNone0.00%0.00%
Preferred Checking$10,000 or greater0.30%0.30%
 $1,500 or greater0.20%0.20%
 Less than $1,5000.00%0.00%
Elite Checking$25,000 or greater1.19%1.20%
 Less than $25,0000.00%0.00%
1APY denotes Annual Percentage Yield. Dividend rates and APY's are variable and may change after the account is opened. Fees could reduce the earnings on the account.

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High-Yield Accounts11.01.09
Type Balance Dividend Rate APY1
High-Yield and High-Yield IRA$50,000 or greater1.29%1.30%
 $25,000 or greater1.24%1.25%
 $10,000 or greater1.09%1.10%
 $2,500 or greater0.80%0.80%
 Less than $2,5000.00%0.00%
    
High-Yield Select & High-Yield Select IRA$50,000 or greater1.39%1.40%
 Less than $50,0000.30%0.30%
    
High-Yield Platinum & High-Yield Platinum IRA$100,000 or greater1.59%1.60%
 Less than $100,0000.30%0.30%
    
High-Yield Diamond & High-Yield Diamond IRA$250,000 or greater1.88%1.90%
 Less than $250,0000.30%0.30%
1APY denotes Annual Percentage Yield. Dividend rates and APY's are variable and may change after the account is opened. Fees could reduce the earnings on the account.


Certificate Rates

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Share & IRA Certificates11.10.09
Term Dividend Rate2 APY1
3 Months0.800.80
6 Months1.001.00
9 Months1.191.20
12 Months1.291.30
18 Months1.491.50
24 Months1.741.75
30 Months1.982.00
36 Months2.232.25
48 Months2.472.50
60 Months3.063.10
1APY denotes Annual Percentage Yield.
2The dividend rate will be paid until the certificate matures. Upon maturity of the certificate, unless you contact us prior to maturity, the certificate will automatically renew to the original term and at the current rate in effect at the time of maturity. A penalty will be applied for early withdrawal. $500 minimum balance to open.

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Easy Access Featured Certificate11.10.09
Term Dividend Rate APY1
15 Months21.001.00
1APY denotes Annual Percentage Yield.
2May be redeemed one time without penalty. $2,000 minimum balance, $50,000 maximum balance.






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