Savings Dividends
| dividends as of December 31, 2007 | |||||
|
Type of Account |
Rate |
Minimum Balance |
|||
| Share Account | 1.50% (1.51% APY) | $5 | |||
| Student Share Account | 1.50% (1.51% APY) | N/A | |||
| Christmas Club | 1.50% (1.51% APY) | N/A | |||
| Share Draft (checking) | 0.65 % (0.65% APY) | N/A | |||
| Following Rates as of May 8, 2008 | |||||
| Money Market | |||||
| Tier I | 2.00% (2.02% APY) | $2500 - $24,999.99 | |||
| Tier II | 2.25 (2.27% APY) | $25,000 - $74,999.99 | |||
| Tier III | 2.75% (2.78% APY) | $75,000 and above | |||
| Certificates of Deposit | |||||
| Share Certificate (6 months) | 2.72% (2.75% APY) | $500.00 | |||
| Share Certificate (1 Year) | 2.87% (2.90% APY) | $500.00 | |||
| Share Certificate (2 Years) | 2.97% (3.00% APY) | $500.00 | |||
| Share Certificate (3 Years) | 3.55% (3.60% APY) | $500.00 | |||
| Share Certificate (4 Years) | 3.84% (3.90% APY) | $500.00 | |||
| Share Certificate (5 Years) | 3.94% (4.00% APY) | $500.00 | |||
| Individual Retirement Acct. | |||||
| IRA Share Account | 3.00% (3.03% APY) | $50.00 | |||
| IRA Share Certificate (1 Year) | 3.02% (3.05% APY) | $500.00 | |||
| IRA Share Certificate (2 Year) | 3.02% (3.05% APY) | $500.00 | |||
| IRA Share Certificate (5 Year) | 3.99% (4.05% APY) | $500.00 | |||
| Loan Offerings | |||||
| Type of Loan | Rates as of Jan. 1, 2008 | Maximum Term | |||
| New&Used Car (2008-2007) | As low as 4.74% fixed *+ | 72 months | |||
| New&Used Car (2008-2007) | As low as 4.74% fixed *+ | 66 months | |||
| Used Car (2006-2004) | As low as 5.24% fixed *+ | 66 months | |||
| Used Car (2003-2001) | As low as 6.24% fixed *+ | 54 months | |||
| First Mortgage | For Current Rates Please Call | 30 years | |||
| Home Equity (2nd Mortgage) | 6.00 fixed *^ | 180 months | |||
| Home Equity (2nd Mortgage) | 5.75% fixed *^ | 120 months | |||
| Home Equity (2nd Mortgage) | 5.25% fixed *^ | 60 months | |||
| Home Equity Line of Credit | 4.40% variable * (new loans) | 60-120 months | |||
| Home Equity Line of Credit | 4.40% variable * (current loans) | 60-120 months | |||
| Classic Car | 8.25% fixed * | 48 months | |||
| Share Loan | 4.50% fixed | 120 months | |||
| Certificate Loan | Cert Rate + 2.00% | Remaining term of CD | |||
| Unsecured Personal | As low as 9.49% fixed * ^ + | 60 months | |||
| Tuition Loan | 5.99% fixed | 12 months | |||
| Stock Loan | 10.00% fixed | 36 months | |||
| Visa (no annual fee) | 9.99% fixed | N/A | |||
| Visa balance transfer special | 0.00% fixed (new acct. only) | 6 months | |||
| All rates subject to change without notice. | |||||
| * Includes .25% discount for automatic payment agreement. | |||||
| ^ Includes.25% discount for having an active St. Charles Checking Account & ATM/Debit Card &/or Visa. | |||||
| + Rate and max. term dependent on credit history and/or age of vehicle. | |||||
| APY - Annual Percentage Yield | |||||
| bankrate.com's financial calculators | |||||
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