3506 St. Johns Avenue
Palatka, Florida 32177
Phone:(386)328-9201
Fax:(386)328-9272		 contact us:
Loan Rates
Effective date: September 29, 2008
New Cars/Trucks:
 Term Rate
Up to 60 Months 5.50%
Up to 72 Months 6.00%

Used Cars/Trucks: (2002-2008)
 Term Rate
Up to 60 Months 5.75%
Up to 72 Months 6.50%

Older Used Cars/Trucks: (2001-Older)
 Term Rate
Up to 48 Months 7.75%

New Boats/RV’s:
Term Rate
Up to 60 Months 6.50%
Up to 72 Months 7.00%

Used Boats/RV’s: (2002-2008)
Term Rate
Up to 48 Months 6.75%
Up to 72 Months 7.75%

New Motorcycles:
 Term Rate
Up to 60 Months 6.50%
Up to 72 Months 7.00%

Used Motorcycles:
 Term Rate
Up to 48 Months 7.50%
Up to 60 Months 7.75%

New ATV’s/JetSki’s:
 Term Rate
Up to 60 Months 7.00%
Up to 72 Months 7.50%

Used ATV’s/JetSki’s:
 Term Rate
Up to 48 Months 7.50%
Up to 60 Months 8.00%

Home Equity Loans:
 Prime Rate
LTV up to 80%
 4.50%
LTV up to 90%
 +1=5.50%
LTV up to 100%
 +2=6.50%

Signature/Line of Credit
 11.00%
Share Secured
 3.00%
Certificate of Deposit Secured
 CD Rate +1%
Share Rates
Effective date: September 29, 2008
Savings:
 Rate Yield (APY)
1.00% 1.02%

IRA:
 Rate Yield (APY)
See Money Market Rates

CD Rates:
 Rate Yield (APY)
6 months
 3.00% 3.02%
1 year
 3.10% 3.13%
18 months
 3.10% 3.13%
24 months
 3.20% 3.23%
36 months
 3.20% 3.23%
48 months
 3.40% 3.44%
60 months
 3.50% 3.55%

Money Market: Balances
 Dividend Rate Rate
Up to $1000
 0.00% 0.00%
$1,001-$5,000
 1.02% 1.02%
$5,001-$10,000
 1.50% 1.50%
$10,001-$25,000
 2.50% 2.50%
$25,001-$50,000
 2.60% 2.60%
$50,001-$150,000
 2.70% 2.70%
$150,001 and up
 3.00% 3.00%
*Unlimited deposits allowed
*Three (3) withdrawals or transfers per month allowed
*Dividends computed on daily balance
Rates may be subject to change without notice.

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