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People Before Profits... Since 1952 |
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Click Here For: Savings - Checking - Christmas Club Yields |
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COMPARE OUR RATES |
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| RATE SCORECARD | ||||||
| LOAN RATES (Annual % Rate) | Freedom FCU | RBC Centura | BB&T |
FIRST
SOUTH BANK |
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| New Vehicle ... as low as |
5.75% No Fee 100% |
7.20% $50 Fee 100% |
7.60% $50 fee 90% |
7.25% n/a fee 90% |
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For up to 48 months. 5.92% for up-to
72 Months. Rates noted reflect 2008, 2007 & 2006 model years. |
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| Used Vehicle ... as low as | 6.22% | 7.55% | 8.54% | 7.50% | ||
| For up 60 months. The rates noted are for a 2005 and older model year vehicle. Only NON-Freedom loans qualify for refinancing. | ||||||
| New Personal Rec. Vehicles | 7.95% | n/a | 9.49%. | 8.25% | ||
| Freedom rate up-to 60 months. Other terms and rates available. | ||||||
| VISA Gold Credit Card | 9.90% var | 12.49% var | n/a | n/a | ||
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Cash Advance Fee: |
0% | 3.50% | n/a | n/a | ||
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Annual Fee: |
None | $18.00 | n/a | n/a | ||
| Freedom charges NO Annual Fee or Cash Advance Fee. All others noted do charge a Cash Advance Fee... some as high as 3.5%) A fixed rate of 8.95% for non-Freedom transfers of $2,000+ is available until the transfer amount is paid-in-full. Fixed rate Visa Gold & Classic credit cards are also available. | ||||||
| Home Equity Credit Line | 5.75%var | 6.60%var. | 6.50%var. | 7.25%var. | ||
| The quotes above assume a $20,000 loan and utilize an 80% loan-to-value ratio. | ||||||
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FOR
PERSONAL LOANS - CD SECURED or OTHER LOAN TYPES - |
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| DEPOSIT RATES (Annual \% Yield) | REGULAR CD SPECIALS | |||
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| 9 Month Special | 3.35% | $2,500 minimum deposit | ||
| 17 Month Special | 3.40% | |||
| 25 Month Special | 3.45% | |||
| 33 Month Special | 3.50% | |||
| DEPOSIT RATES (Annual \% Yield) | Freedom FCU | RBC Centura | BB&T | Wachovia |
| 6-11 Month Certificate | 3.00% | 2.15% | 1.00% | 1.50% |
| 12-17 Month Certificate | 3.10% | 2.45% | 1.75% | 1.40% |
| 18-23 Month Certificate | 3.10% | 2.45% | 1.75% | 1.80% |
| 24-29 Month Certificate | 3.25% | 2.45% | 1.75% | 1.80% |
| 30 Month Certificate | 3.40% | 2.45% | 1.75% | 1.80% |
| NOTE: The information above was
disclosed to an independent research firm and may vary from branch
to branch. Loan rates available on or about
May 15, 2008.
Deposit
rates available on or about May 14, 2008. Information is subject
to change.
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| Deposit Account Type | Yield |
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Share/Savings < $5,000.00 |
1.00% |
| Share/Savings $5,000.00 - $24,999.99 | 1.15% |
| Share/Savings > $25,000.00 | 1.75% |
| Christmas Club | 1.00% |
| Dividend Checking | 0.50% |
| IRA < $5,000.00 | 2.25% |
| IRA from $5,000.00 to $24,999.99 | 2.25% |
| IRA > $25,000.00 | 2.75% |
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All rates are based on Annual Percentage Yield. Yields as of March 21, 2008 and are subject to change. |
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