Rates

Interra Credit Union offers the most competitive rates for all of our savings and loan products to our members.

Savings Rates

• Special Offers
• Savings Products
• IRA, HSA, Certificates

Loan Rates

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• Consumer Loans
• VISA® Credit Cards
• Mortgage Loans
• Commercial Loans
• Agricultural Loans
• Agricultural Mortgage Loans

Savings Rates

Certificate Specials
Effective Date: 01/22/10*
Account Type	Minimum Deposit to Open Account	Minimum Daily Balance to Obtain APY	Dividend Rate	Annual Percentage Yield (APY)
7-month certificate	$500	$500	1.190%	1.200%
23-month certificate	$500	$500	1.980%	2.000%
27-month IRA certificate	$500	$500	2.180%	2.200%
*Limited time offer; terms and conditions subject to change without notice.

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Savings Products
Effective Date: 01/22/10*
Account Type	Minimum Deposit to Open Account	Minimum Daily Balance to Obtain APY	Dividend Rate	Annual Percentage Yield (APY)
Member Share Savings	$5(**)	$5	0.400%	0.400%
Share Savings	$5	$5	0.400%	0.400%
Checking	$25	>$0	0.200%	0.200%
My Rewards Checking
$0.01 - $10,000.00	$25	>$0	4.890%	5.000%
$10,000.01 +	$25	>$0	1.490%	1.500%
Sign & Save Savings	$0	>$0	1.000%	1.000%
Christmas Club	$0	>$0	1.000%	1.000%
Kids Club	$5	$5	0.750%	0.750%
HSA Savings	$5(**)	$5	0.750%	0.750%
HSA Checking	$25	>$0	1.980%	2.000%
IRA Savings	$5	$5	0.750%	0.750%
(MMSA) Money Market Share Accounts
$2,000-$19,999.99	$2,000	≥$2,000.00	0.600%	0.600%
$20,000-$99,999.99	$2,000	≥$20,000.00	0.800%	0.800%
$100,000 +	$2,000	≥$100,000.00	1.000%	1.000%

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IRA, HSA, Certificates
Effective Date: 01/22/10*
Account Type	Minimum Deposit to Open Account	Minimum Daily Balance to Obtain APY	Dividend Rate	Annual Percentage Yield (APY)
1 month	$500	$500	0.400%	0.400%
3 months	$500	$500	0.600%	0.600%
6 months	$500	$500	0.850%	0.850%
12 months	$500	$500	1.140%	1.150%
18 months	$500	$500	1.440%	1.450%
24 months	$500	$500	1.740%	1.750%
36 months	$500	$500	1.930%	1.950%
48 months	$500	$500	2.720%	2.750%
60 months	$500	$500	2.960%	3.000%
Smart Saver***	$100	$100	1.000%	1.000%

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* The dividend rates and APY on these accounts may change after they are opened. 
** The Par value of a membership share in this credit union is $5.00. 
*** Minimum weekly automatic deposit/transfer required; manual deposits accepted. Dividends paid back to the certificate.

Rates and terms subject to change without notice.

Fees charged against the account may reduce earnings.

Penalties: A penalty may be imposed for early withdrawal of all or part of an IRA, HSA, Share Certificate or Share Certificate special.

If you have $100,000+ to invest, please call for our Jumbo Certificate Rates.

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Loan Rates

Consumer Loans
Effective Date: 02/22/10*
Loan Type	Term***	APR** as low as***
Vehicle Loans
2008 - 2010	0-60 months	3.990%
	66 months	4.250%
	72 months	4.500%
2005 - 2007	0-48 months	4.000%
	54 months	4.250%
	60 months	4.500%
2003 - 2004	up to 48 months	5.000%
2002 & older	up to 36 months	5.500%
Classic autos	up to 48 months	5.750%
Motorcycles	up to 60 months	5.750%
Boats, RVs, etc.	up to 60 months	6.250%
	extended terms may be available
Other secured loans	up to 60 months	6.750%
Personal loans		10.000%
Checking Line of Credit		12.000%
Student loans****		6.000%

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VISAŽ Credit Cards
Effective Date: 07/17/08*
Credit Card Programs	APR**
VISA® Classic Credit Cards	11.900%
VISA® Platinum Credit Cards	8.900%
VISA® Business Credit Cards	9.900%

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Mortgage Loans
Effective Date: 01/13/09*
Loan Type	Term	APR**
Click here for rate and program information on the Residential Fixed, Balloon and Adjustable Rate mortgages.
Home Equity Loan
1 year adjustable*****		6.500%
Fixed	up to 10 years	6.500%
Home Equity Line of Credit******		5.000%
Lot mortgage	fixed up to 10 years	7.000%

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Commercial Loans
Effective Date: 1/19/09*
Loan Type	Term	APR**
One pay note
Fixed	up to 12 months	5.375%
Floating daily*****	up to 12 months	5.375%
Maturities longer than 1 year ($25,000 & more)
1 year adjustable*****	up to 6 years	5.375%
3 year adjustable*****	up to 6 years	5.500%
5 year adjustable*****	up to 6 years	5.500%
School bus loans	varies	6.750%
Commercial mortgages*****	1 year adjustable	6.250%
Church mortgages	varies	contact us for details
Rental properties*****	1 year adjustable	6.500%

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Agricultural Loans
Effective Date: 1/19/09*
Loan Type	Term	APR**as low as***
One pay note
Fixed	up to 12 months	5.250%
Floating daily*****	up to 12 months	5.250%
Maturities longer than 1 year ($25,000 & more)
1 year adjustable*****	up to 6 years	5.250%
3 year adjustable*****	up to 6 years	5.500%
5 year adjustable*****	up to 6 years	5.500%

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Agricultural Mortgage Loans
Effective Date: 07/17/08*
Loan Type	Term	APR**
Agricultural real estate mortgages
1 year adjustable*****	up to 30 year amortization	5.750%
3 year adjustable*****	up to 30 year amortization	6.000%
5 year adjustable*****	up to 30 year amortization	6.000%
15 year fixed	15 years	6.125%
15 year balloon fixed	up to 30 year amortization	6.125%

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* Programs, rates, terms and conditions are subject to change without notice. All loans are subjected to credit approval and collateral review, as applicable.

** Annual percentage rate.

*** Actual rate & term may vary based on credit qualification.

**** Variable rate loan. Corresponding APR is subject to increase and decrease.

***** The annual percentage rate (APR) is variable and subject to change monthly. It is based on the WALL STREET JOURNAL Prime Rate, as published on the last business day of the previous month. The current APR is 3.25%. The maximum APR is 9.00%, which is 6.00% over the initial rate. There is no application fee to open your account, nor any annual fee to maintain the account. Based on the current indebtedness of the home the rate may be prime rate plus 1.00%.  See a loan officer for details.

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