Rates

Loan Rates Effective 5-1-2008

Point Plus offers Secured, Unsecured, Mortgage and Home Equity Loans with great rates for payments that will fit your budget. Your rate is determined by your credit score, payment history, and loan term.

Secured Loans

Eligible for Membership Rewards*

60 months as low as 6.00% = $19.34 per $1000

72 months as low as 7.00% = $17.05 per $1000

84 months as low as 8.00% = $15.59 per $1000
*Membership Rewards: Deduct .25% with any 3 qualified services or .50% with 5 qualified services plus direct deposit. Please contact us for a current list of qualified services today.

Unsecured Loans

60 months as low as 10.25% = $21.38 per $1000

Kwik Cash 11.25%=$3.00 per $100 borrowed, minimum payment of $15.00

CLICK HERE TO ESTIMATE YOUR PAYMENT

CLICK HERE TO GO TO OUR ONLINE APPLICATIONS

Mortgage /Home Related Loans

Not eligible for Membership Rewards

10 year fixed as low as 6.00% = $11.11 per $1000

3 year Balloon 30 yrs term as low as 5.75% = $5.84 per $1000

5 year Balloon 30 yrs term as low as 6.00% = $6.00 per $1000

Home Construction as low as 4.50% = $5.07 per $1000

Land only Mortgage - 3 year Balloon 15yrs term as low as 7.25% = $9.13 per $1000

Investment Property - 3 year Balloon 30 yrs term as low as 7.25% = $6.82 per $1000

Mobile Home - 3 year Balloon 15 yrs term as low as 10.00% = $10.76 per $1000

CLICK HERE TO ESTIMATE YOUR PAYMENT

CLICK HERE TO GO TO OUR ONLINE APPLICATIONS

Home Equity Loans

Not eligible for Membership Rewards

80% LTV Fixed rate 3 yr balloon - 15 yrs term as low as 5.00% = $7.92 per $1000

90% LTV Fixed rate 3 yr balloon - 15 yrs term as low as 6.00% = $8.45 per $1000

95% LTV Fixed rate 3 yr balloon - 15 yrs term as low as 7.00%=$9.00 per $100

CLICK HERE TO GO TO OUR ONLINE APPLICATIONS

CLICK HERE TO ESTIMATE YOUR PAYMENT

Current Savings Rates

Account Type Rate APY*

Life Savings
.25% .25%

Open Savings .75% .75%

Card Savings .50% .50%

Escrow Savings .94% .95%

Holiday Club .75% .75%

Vacation Club .75% .75%

Celebration Club .75% .75%

Graduation Club 1.00% 1.00%

Step Up Savings

$1000.01 - $5000.01

1.00%

1.00%

$5000.01 - $10,000 1.75% 1.76%

$10,000.01 and up 2.25% 2.27%

* APY = Annual Percentage Yield

Share Certificate Rates

Term
Rate

APY*

Minimum Balance

6 Months 2.25% 2.27%
$1000

9 Months 2.25% 2.27%
$1000

1 Year 2.50% 2.52%
$1000

17 Months
2.50%
2.52%
$1000

18 Months 2.50% 2.52%
$1000

2 Year
2.65%
2.67%
$1000

30 Months 2.65% 2.67%
$1000

3 Years 2.65% 2.67%
$1000

4 Years 2.75% 2.78%
$1000

5 Years 2.75% 2.78%
$1000

* APY = Annual Percentage Yield

Youth Certificate Rates

Term Rate
APY*

Minimum Balance

6 Months 1.75% 1.76%
$250

1 Year 2.00% 2.02%
$250

17 Months 2.00% 2.02%
$250

18 Months

2.00%

2.02%

$250

2 Years
2.15%
2.17%
$250

30 Months 2.15% 2.17%
$250

3 Years 2.15%
2.17%

$250

4 Years

2.25%

2.27%

$250

5 Years 2.25% 2.27%
$250

Ask Us today How You Can add up to .50% to your

Share Certificate Rate with Membership Rewards.

* APY = Annual Percentage Yield

IRA Rates

IRA Savings Rate APY* Minimum Balance

Educational, Traditional and Roth
1.00% 1.00%
$5

Certificates by Term Rate
APY*

Minimum Balance

6 Months 1.75% 1.76%
$500

1 Year 2.00% 2.02%
$500

18 Months 2.00% 2.02%
$500

2 Years
2.15%
2.17%
$500

30 Months 2.15% 2.17%
$500

3 Years 2.15% 2.17%
$500

4 Years 2.25% 2.27%
$500

5 Years 2.25% 2.27%
$500

Money Market Rates**

$1000 Minimum Deposit
Rate APY*

$1,000 - $9,999
1.75% 1.76%

$10,000 - $24,999 2.00% 1.77%

$25,000 - $49,999 2.25% 1.92%

$50,000 - $99,999 3.75% 2.11%

$100,000 + 4.00% 2.97%

* APR = Annual Percentage Yield ** Membership Rewards Does not Apply to Money Market Rates