Rates are subject to change without notice
APR = Annual Percentage Rate
| Loan Type | APR* | APR with both discounts |
| New to 5 year old Autos (up to 84 month financing new) | 6.00% | 5.00% |
| Used Autos over 5 years old | 7.00% | 6.00% |
| 2008 & newer model year Boat / RV (120 month term) | 6.29% | n/a |
| New to 7 year old Boat / RV (up to 144 month financing new) | 7.50% | 6.50% |
| Used Boat / RV over 8 years old | 8.50% | 7.50% |
| Classic Autos | 9.00% | 8.00% |
| Computer | 9.00% | 8.00% |
| New Off Road Vehicle | 8.50% | 7.50% |
| Used Off Road Vehicle | 9.00% | 8.00% |
| Timeline (Unsecure Lines of Credit to $5,000.00) | 11.99% | 10.99% |
| First time car buyer | 7.99% | n/a |
| Quick Cash Loans | 18.00% | n/a |
| 12 Month - $1,500.00 Special | 10.0% | 9.00% |
| Share Secured with Savings Account or Certificate of Deposit | 3% over dividend rate paid on savings or CD | n/a |
| Visa Classic Credit Card | 12.90% | n/a |
| Visa Secured Credit Card | 12.90% | n/a |
| Visa Classic II Credit Card | 18.00% | n/a |
You can reduce the interest rate on select loans by as much as 1% if you pay your payments by payroll deduction or automatic transfer from your Monad account and have an active checking account (10 transactions per month).
All rates expressed are subject to change by the Board of Directors. Rates quoted are the lowest available rate, based on approved credit. Rates effective October 1, 2011.
Effective October 1, 2011
| Account Type | Minimum Amount Required to Open Account | Amount Required to Earn Dividends | Rate | APY |
| Share (Savings) Account | $5.00 | $50.00 | 0.20% | 0.20% |
| Youth Share Accounts* | $5.00 | $5.00 | 0.20% | 0.20% |
| Share Draft (Checking) Account | $50.00 | n/a | n/a | n/a |
| Super Saver Account | $2,500.00 | $2,500.00 | 0.20% | 0.20% |
| Christmas Club Account*** | $5.00 | $50.00 | 0.20% | 0.20% |
| Vacation Club Account*** | $5.00 | $50.00 | 0.20% | 0.20% |
| Individual Retirement Accounts** | $5.00 | $50.00 | 0.75% | 0.75% |
| 6 Month Share Certificate*** | $10,000.00 | $10,000.00 | 0.50% | 0.50% |
| 12 Month Share Certificate*** | $1,000.00 | $1,000.00 | 0.60% | 0.60% |
| 18 Month Share Certificate*** | $1,000.00 | $1,000.00 | 0.75% | 0.75% |
| 2 Year Share Certificate*** | $5,000.00 | $5,000.00 | 0.85% | 0.85% |
| 3 Year Share Certificate*** | $5,000.00 | $5,000.00 | 1.10% | 1.10% |
*Includes Johnny Appleseed Jr. Ecology and Teen Club Accounts
**Includes Traditional, Roth and Coverdell Education Savings Accounts
***Penalty applies for early withdrawal.
APR Disclosure
APY = Annual Percentage Yield. Rates are effective 10/01/2011. Dividend rates are not guaranteed as they are paid from available earnings and are subject to change by the Board of Directors. Contact our office and ask for a Truth in Savings disclosure for complete details including any minimum balance requirement or penalty for early withdrawal of funds.
Contact our office for a Truth-in-Savings Disclosure that explains the terms and conditions on any of our savings accounts.
