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Dividends | Loan Rates | Certificates


Dividends - for period ending March 31, 2008

Loan Rates - effective June 19, 2008
Vehicles » Loan Amount Term APR as low as*
New Auto Loan No Min.
$10,000
$15,000
$30,000
48 months
60 months
72 months
84 months
5.24%
5.49%
5.74%
5.74%
Used Auto Loan No Min.
$10,000
$15,000
$30,000
48 months
60 months
72 months
84 months
5.89%
6.14%
6.39%
6.39%
New RV N/A 60 months
72 months
84 months
120 months
7.90%
8.05%
8.25%
8.40%
Used RV N/A 60 months
72 months
84 months
120 months
8.73%
8.88%
9.08%
9.23%
Watercraft N/A 36 months
48 months
60 months
8.26%
8.41%
8.61%
New Motorcycle N/A 36 months
48 months
60 months
8.26%
8.41%
8.61%
Used Motorcycle N/A 36 months
48 months
60 months
9.08%
9.23%
9.43%
Personal Loan N/A < 24 months
24 - 36 months
12.24%
12.99%
Personal Line of Credit Up to $25,000 Revolving 11.99%
Big Ticket N/A < 24 months
24 months
25 - 36 months
12.39%
12.64%
13.39%
Share/Certificate Secured N/A Up to 120 months +3.00% of rate
Home Equity LOC 80% LTV 5 year draw / 15 year repayment CALL
Home Equity LOC 90% LTV 5 year draw / 15 year repayment CALL
2nd Mortgage 80% LTV
90% LTV
84 months
180 months
CALL
CALL

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Certificate and IRA Certificate Rates - effective June 19, 2008
Terms $1,000* $10,000 $50,000 $100,000
90-179 days 2.25% 2.27% 2.29% 2.31%
180-364 days 2.50% 2.52% 2.54% 2.56%
12-23 months 2.55% 2.57% 2.59% 2.61%
24-35 months 2.70% 2.72% 2.74% 2.76%
36-47 months 3.00% 3.02% 3.04% 3.06%
48-59 months 3.51% 3.53% 3.55% 3.57%
60 months 4.00% 4.02% 4.04% 4.06%
 
All rates are stated by their Annual Percentage Yield (APY).
*IRA and Roth IRA Certificate minimum balance is $1000.

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 Your shares are federally insured up to $100,000 by the National Credit Union Administration (NCUA). Individual Retirement Accounts are insured separately up to $100,000 by the NCUA.

 Your shares are privately insured for an additional $250,000 above the federaly insured amount by American Share Insurance (ASI).


E-Central is an Equal Housing Lender