Newsletters
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SUMMER SPECIAL
on Auto Financing


2.99% APR
New & Used Autos
for 36 Months

3.99% APR
New & Used Autos
for 48 Months

4.49% APR
New & Used Autos
for 60 Months

4.99% APR
New & Used Autos
for 72 Months

5.50% APR
New & Used Autos
for 84 Months

*2006 -2010 Model Years.
Some restrictions apply.

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Loan Rates
Rates are subject to change without notice
APR = Annual Percentage Rate


Loan Type APR
Auto Loans (trucks, vans, and street legal motorcycles)  
  New & Used Auto 2006-2010 - SEE SUMMER SPECIAL  
  Used Autos 2007 & older 6.50%
  Classic Autos 8.50%
Recreational Vehicle Loans (boats, motorhomes, fifth wheels, travel trailer, campers and tent trailers)
  2008-2010 new & used boat or RV 6.49%
  2004-2010 new & used boat or RV 7.00%
  2003 & older boat or RV 8.00%
Off Road Vehicle Loans (snowmobile, jet ski, four wheeler)  
  New Off Road Vehicles 8.50%
  Used Off Road Vehicles to 3 years old 10.00%
First Time Car Buyer Loans 8.25%
Computer Loans 8.50%
Timeline Loans (line of credit up to $3,500.00) 13.50%
Quick Cash Loans 18.00%
Share Secured Loans (with certification of deposit or other time account at monad) 3% over share rate
VISA Classic Credit Card 12.90%
VISA Secured Credit Card 12.90%
VISA Classic II Credit Card 18.00%
Lawn Mower Loans 6.00% - 9.00%

Interest rates stated are lowest available rate for that type of loan . Interest rate is determined by how you have managed your credit in the past and your credit score.


Savings Rates
Effective May 24, 2010

Account Type Minimum Amount Required to Open Account Amount Required to earn dividends Rate APY
Share (Savings) Account $5.00 $50.00 0.25% 0.25%
Youth Share Accounts* $5.00 $5.00 0.25% 0.25%
Share Draft (Checking) Account $50.00 n/a n/a n/a
Super Saver Account $2,500.00 $2,500.00 1.00% 1.00%
Christmas Club Account*** $5.00 $50.00 1.00% 1.00%
Vacation Club Account*** $5.00 $50.00 1.00% 1.00%
Individual Retirement Accounts** $5.00 $50.00 1.75% 1.76%
6 Month Share Certificate*** $10,000.00 $10,000.00 0.75% 0.75%
12 Month Share Certificate*** $1,000.00 $1,000.00 1.15% 1.15%
18 Month Share Certificate*** $1,000.00 $1,000.00 1.35% 1.35%
2 Year Share Certificate*** $5,000.00 $5,000.00 1.45% 1.45%
3 Year Share Certificate*** $5,000.00 $5,000.00 1.70% 1.70%

*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 5/24/2010. 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.