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Rates updated for the week of October 7 to 13, 2008

Savings and Loan Rates

Current Savings Rates: Share Savings | Money Market Accounts | Share and IRA Certificates

Current Loan Rates: Vehicle Loans | Personal Loans | Credit Cards | Home Equity & Mortgage Loans


Savings Accounts
Type of Account
Minimum Balance**
APY
Rate
Regular Share Savings*
$250
0.50%
0.499%
Christmas Club*
$250
0.50%
0.499%
Vacation Club*
$250
0.50%
0.499%
IRA Share Savings***
$10
1.51%
1.50%
Metro Deluxe Checking***
$250
0.501%
0.50%

*Dividends are Declared and Paid Quarterly
**Minimum Balance Required to Earn Dividends
***Dividends are Declared and Paid Monthly

Money Market Accounts
Type of Account
Minimum Balance**
APY
Rate
Money Market***
$1,000
1.00%
0.995%
Super Money Market***
$20,000 to $49,999
1.50%
1.490%
Super Money Market***
$50,000 or more
2.25%
2.227%

**Minimum Balance Required to Earn Dividends
***Dividends are Declared and Paid Monthly

Share and IRA Certificates
Term
Min. Balance
APY
Rate
6 Month
$1,000
3.75%
3.687%
12 Month
$500
4.00%
3.928%
15 Month
$500
4.00%
3.928%
18 Month
$500
4.00%
3.928%
24 Month
$500
4.25%
4.169%
30 Month
$500
4.25%
4.169%
36 Month
$500
4.25%
4.169%
48 Month
$500
4.50%
4.410%
60 Month
$500
4.50%
4.410%
Education Growth Fund
$250
3.00%
2.967%

Savings and certificate rates are current as of the date indicated above and subject to change without notice. Contact a Member Service Representative for full details. APY=Annual Percentage Yield. Non-retirement deposits insured up to $350,000 by a combination of federal and private deposit insurance; IRAs insured to $500,000 by a combination of federal and private deposit insurance.

Vehicle Loans
Type of Loan
Max Terms
APR
Vehicle Model Year 2006 to 2009
72 Months
as low as 5.49%*
Vehicle Model Year 2006 to 2009
84 Months
as low as 6.49%*
Vehicle Model Year 2002 to 2005
66 Months
as low as 5.99%*
Vehicle Model Year 2002 to 2005
72 months
as low as 6.99%*
Vehicle Model Year 2001& Older
60 Months
as low as 6.99%*
Recreational Vehicle or Boat Model Year 2006 to 2009
96 Months
as low as 7.49%*
Recreational Vehicle or Boat Model Year 2005 & Older
96 Months
as low as 8.49%*


Personal Loans
Type of Loan
Max Terms
APR
Metro Line
Open-end
13.90%
Signature
48 Months
as low as 12.99%*
Share Secured
60 Months
7.23%
Share Secured
120 Months
7.98%
Savings Builder
60 Months
9.99%


Credit Cards
Type of Card
Max Terms
APR
Visa Platinum
Revolving
9.90%
Visa Gold
Revolving
12.90%
Visa Classic
Revolving
13.90%

Home Equity & Mortgage Loans
Type of Loan
Max Terms
APR
Closed-End Home Equity Loan (Fixed Rate)
180 Months
as low as 5.99%**
Redi-Line Home Equity Line of Credit
Revolving
Prime - 0.5% (4.50%)***
First Mortgage Loans
30 Years

*The rate you pay may vary based on your credit history .**The rate you pay may be different based on your credit history and loan-to-value ratio. ***Variable rate of Prime minus 0.5%. Minimum rate 3.50%; maximum rate 18%. Maximum loan-to-value 90%. Loan rates are current as of the date indicated above and subject to change without notice. Standard credit approval guidelines apply. APR=Annual Percentage Rate.

 
 
   
   
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