7755 Metropolis Lake Road
West Paducah, KY 42086
270-442-6479
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Rates

Share/Savings Accounts

Club Accounts

 Rates Effective as of October 1, 2017

(Dividends Paid on entire balance using daily balance method)

APR               APY              

Christmas Club 0.10% Div. Rate 0.10% APY *

 

Share Accounts

Rates Effective as of December 31, 2017

(Dividends Paid on entire balance using daily balance method)

                                                         APR                APY            

Regular Share Accounts 0.10% Div. Rate 0.10% APY *
    $100 Minimum $5000 Maximum
Regular Share Accounts 0.15% Div. Rate 0.15% APY *
    $5000 Minimum $15000 Maximum
Regular Share Accounts 0.20% Div. Rate 0.20% APY *
    $15000 Minimum $250000 Maximum

Share Certificate Accounts

Rates Effective January 20, 2017

                                                                          APR                   APY    

6 Month Certificate 0.40% Div. Rate 0.40% APY *
    $500 Minimum $250000 Maximum Dividend     Paid Monthly To Share Acct.
12 Month Certificate 0.70% Div. Rate 0.70% APY *
    $500 Minimum $250000 Maximum Dividend     Paid Monthly To Share Acct.
24 Month Certificate 1.00% Div. Rate 1.00% APY *
    $500 Minimum $250000 Maximum Dividend     Paid Monthly To Share Acct.
An early withdrawal penalty of 90 days dividends, or all accrued dividends since date of issuance if less than 90 days will be charged on Share Certificate accounts closed before maturity.


Loan Accounts

Rates Effective January 19, 2018

ANNUAL PERCENTAGE RATE

New Cars & Motorcycles 3.50% APR 48 Months
  2018
New Cars & Motorcycles 3.75% APR 60 Months
  2018
New Cars & Motorcycles 4.75% APR 72 Months
  $20,000 Minimum
Used Cars & Motorcycles 4.25% APR 60 Months
  2017-2011
Used Cars & Motorcycles 4.50% APR 36 Months
  2010-2008
New Motorhomes 7.00% APR 60 Months
  2018
New Motorhomes 8.00% APR 120 Months
  2018
Used Motorhomes 6.50% APR 48 Months
Used Motorhomes 7.00% APR  8.00% APR 60 Months84 Months
New Recreational Vehicles 6.00% APR 48 Months
6.25% APR 60 Months
 Used Recreational Vehicles  7.00% APR  48 Months
 7.25% APR  60 Months
New Tractors & Equipment 4.25% APR 60 Months
  2018
Used Tractors & Equipment 4.25% APR 48 Months
  2017-2010
Used Tractors & Equipment 4.50% APR 60 Months
  2017-2010
Used Tractors & Equipment 4.50% APR 48 Months
  2009 & Older
Miscellaneous Collateral 4.25% APR 12 Months
  (Up To $3,000.00)
Miscellaneous Collateral 4.25% APR 24 Months
  ($3,000.01-$6,000.00)
Miscellaneous Collateral 4.25% APR 36 Months
  (Over $6,000.00)
Unsecured Signature 12.00% APR 36 Months
  (Up To $5,000 based on debt ratio)
Share Secured Signature 3.00% APR 36 Months
  (Up To $3,000.00)
Share Secured Signature 3.00% APR 48 Months
  ($3,000.01-$6,000.00)
Share Secured Signature 3.00% APR 60 Months
  (Over $6,000.00)
CD Secured Signature 3.00% APR 36 Months
  (Up to $3,000.00)
CD Secured Signature 3.00% APR 48 Months
  (Up to $6,000.00)
CD Secured Signature 3.00% APR 60 Months
  (Over $6,000.00)
Classic Cars 4.50% APR 48 Months
  90% of retail or certified appraisal
Home Equity Loans 5.50% Fixed APR 5-7 Years
Home Equity Loans 6.50% Fixed APR 8-12 Years

Fees & Disclosures
 Effective October 15, 2014 all collateralized loans over $2,000 will be charged $10.00 for collateral protection insurance.
Deposit Account Fees
Joining Fee $0.25
Inactive Fee $5.00
Loan Account Fees
Loan Late Fee $25.00
 Effective November 1, 2015 loan late fee will change to $25.00 after 10 days delinquent
Miscellaneous Fees
Returned Check Fee $25.00

** ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE **

 

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