Dividends/Interest Rates

(Are Subject to change at any time without notice)

 

Regular and Christmas Club Share Accounts

Dividend Rate (1) APY (5)
$5-$2,999 0.35% 0.35 apy
$3,000-$,9,999 0.45% 0.45 apy
$10,000-$49,999 0.55% 0.55 apy
$50,000 -over 0.65% 0.65 apy

 

(1) Paid Quarterly. Rates apply from July 1 to September 30, 2015. Rates for following quarters may vary.

 

Checking Account (Share Draft)

Dividend Rate (2) APY (5)
$5-$2,999 0.10% 0.10 apy
$3,000-$,9,999 0.15% 0.15 apy
$10,000-$49,999 0.20% 0.20 apy
$50,000 -over 0.25% 0.25 apy

 

(2) Paid monthly. Effective on March 1st, 2013.

 

 

Share Certificate Rates

Term Dividend Rate (3) APY (5)
30 Days 0.40% 0.40 apy
60 Days 0.50% 0.50 apy
90 Days 0.60% 0.60 apy
6 Months 0.70% 0.70 apy
1 año 0.80% 0.80 apy
2 Years 0.90% 0.90 apy
3 Years 1.10% 1.11 apy
4 Years 1.40% 1.41 apy
5 Years 1.50% 1.51 apy

 

(3) Rates effective on October 30th, 2015.

 

Loans

Loan Type APR (4)
Personal Loans from 4.75% APR up to 18.00% APR
Auto Loan (new) from 1.89% APR up to 18.00% APR
Auto Loan (used) from 2.89% APR up to 18.00% APR
Line of Credit 10.00% APR
MasterCard from 8.99% APR up to 14.99% APR
Secure Loans 2% APR por encima de lo que devengue las acciones
Motorcycle Loans from 6.89% APR up to 18.00% APR
Boat Loans from 6.89% APR up to 18.00% APR
Mortgage Loans from 3.375% interest rate 180 Months
Land Loans from 9.25% interest rate / 9.7749% APR 180 Months
Commercial Loans from 6.95% interest rate / 5 Years

(4) Your qualifying rate will be based on your credit score and loan term.
(5) APY (annual percentage yield) means a percentage rate reflecting the total amount of dividends/ interest paid on an account based
on the dividends/interest and the frequency of compounding for a 365 day period. The dividend rate and annual percentage yield (APY)
may change at any time, at the discretion of the BOD. Certificate rates are fixed for the term of the instruments, unless otherwise
disclosed. Dividends rates are computed using the daily balance method, which applies a daily periodic rate to the full amount of
principal available in the Account each day. Your savings are federally insured to at least $250,000 and backed by the full faith and
credit of the United States Government.