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RATES FOR: November 19th, 2008 - November 25th, 2008

Share Certificates of  Deposit ( CD ) and IRA Rates

 
Jumbo CD & IRA Rates
  Minimum Balance APY - (YIELD)

 RATE
12 Month CD/IRA $25000 3.21% 3.16%
18 Month CD/IRA $25000 3.30% 3.25%
24 Month CD/IRA $25000 3.40% 3.35%

30 Month

 CD/IRA $25000 3.45%  3.40%
Student CD Rates
*The Student CD rate is the same as our Jumbo CD, but requires a
minimum of $50 and a maximum of $500 and is not to exceed an
investment of $2,500 worth of CDs per student. Maximum age is 18.
  Minimum Balance APY - (YIELD)

 RATE
12 Month CD $50 3.21% 3.16%
18 Month CD $50 3.30% 3.25%
24 Month CD $50 3.40% 3.35%

30 Month

 CD $50 3.45%  3.40%
Regular CD & IRA Rates
  Minimum Balance APY - (YIELD) RATE
6 Month CD $1000 3.00% 2.96%
12 Month CD $500 3.10% 3.06%
18 Month CD $500 3.20% 3.15%
24 Month CD $500 3.30% 3.25%
30 Month CD $500 3.35% 3.30%
12 Month IRA $500 3.10% 3.06%
18 Month IRA $500 3.20% 3.15%
24 Month IRA $500 3.30% 3.25%
30 Month IRA $500 3.35% 3.30%
IRA Share Rate

$100

1.20%

1.19%


Money Market Rates Declared For The Month Of
October 2008.

APY - (YIELD)       APR - (RATE)        

Money Market

 

$1 000.00-
$9 999.99

1.00%

1.00%

$10 000.00-
$24 999.9

1.20%

1.19%

$25 000.00-
$74.999.99

1.50%

1.49%

$75 000.00
and over

1.90%

1.88%

Money Market Index DisclosureClick Here.

"APY" stands for Annual Percentage Yield
Rates are compounded daily and credited monthly.
Share, Share IRA'S and Money Market rates may change monthly.
Share Certificate of Deposit (CD's) rates may change weekly.
A penalty applies for early withdrawal of CD's.

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

The IRA Share account and Money Market account are Variable Rate Accounts and the rate may change after the account is opened.



Your savings are federally insured to $100 000 National Credit Union Administration, a Government Agency.

*REGULAR SHARES AND CHRISTMAS CLUB RATES*
Rates for the Month of October, 2008.
Minimum Balance APY -(YIELD) RATE
$5 to $99.99 0.20% 0.20%
$100 to $4 999.99 0.40% 0.40%
$5000 to $19 999.99 0.65% 0.65%
$20000 And Over .85% .85%

Share Draft Accounts

 0.00% 0.00%

*Rates are subject to change without notice.

*BUSINESS SHARE DRAFT ACCOUNTS*
Rates for the Month of October,  2008.
Minimum Balance APY -(YIELD) RATE

$25000

And Over

.85%

.85%

*Rates are subject to change without notice.

**REWARDS DISCOUNTED**
AUTO RATES  

08/30/08

*As Low As

NEW AUTO

80% FINANCING

100% FINANCING
  24 Month 4.99% APR.* 24 Month 5.99% APR.*
36 Month 4.99% APR.* 36 Month 5.99% APR.*
48 Month 5.24% APR.* 48 Month 6.24% APR.*
60 Month 5.29%APR.* 60 Month 6.29% APR.*
**72 Month 6.29% APR.* **72 Month 7.29% APR.*

USED AUTO

80% FINANCING

100% FINANCING
  24 Month 4.99% APR.* 24 Month 5.99% APR.*
36 Month 4.99% APR.* 36 Month 5.99% APR.*
48 Month 5.24% APR.* 48 Month 6.24% APR.*
60 Month 5.29%APR.* 60 Month 6.29% APR.*
**72 Month 6.29% APR.* **72 Month 7.29% APR.*

**72 Month financing for current and prior year models only, with a loan finance amount
of $20 000 or greater.

OTHER RATES

Signature Loan                                                                              **As Low As**

 10.24% APR.*

Signature Loan (over $3000.00)                                                    **As Low As**

 9.74% APR.*

Signature Line Of Credit                                                                **As Low As**

 10.74% APR.*

Signature Line Of Credit over $3000                                             **As Low As**

 10.59% APR.*


**Rates quoted are an as low as rate and are based on Rewards Base Lending AAA credit with Auto Pay and Payment Protection.  Rates may be higher depending on credit worthiness.  Auto pay requires either payroll deduction or direct deposit, with an automatic transfer of payment due.  Payment Protection requires Member Pay Credit Life and Disability Insurance for qualifying members.  Add 1/2% for loans without Auto Pay and Payment Protection or add 1/4% for loans with Auto Pay only.
Rates are subject to change without notice.

***DISCOUNTED RATES***

LOANS
NEW - Recreational Vehicle 11.75% APR.*
USED - Recreational Vehicle 12.00% APR.*
MasterCard (No Discount Applies) 14.88% APR.*
Gold MasterCard (No Discount Applies) 9.96% APR.*
Platinum MasterCard (Variable Rate - no discount) 7.99% APR*
Share Secured (No Discount Applies)
(2.00% Above share or CD rate w/minimum of 6.00%)


***Discounted Rates with Auto Pay and Payment Protection.  Auto Pay requires either payroll deduction or direct deposit, with an automatic transfer of payment due.  Payment Protection requires Member Pay Credit Life and Disability Insurance for qualifying members.  Add 1/2% for loans without Auto Pay and Payment Protection or add 1/4% for loans with Auto Pay only.
Rates are subject to change without notice.

COMPUTER RATES**As Low As**

 7.49% APR.

 

HOME EQUITY RATES

*As low as

 

7/01/2008
LTV

( loan to value)

 Up to 36 Months 37 - 60
Months		 61 - 84
Months		 85 - 120 Months 121 - 180
Months		 181 - 240
Months
80% 5.29%* 5.29%* 5.79%* 5.92%* 6.12%* 8.24%*
81% - 90% 5.99%* 5.99%* 6.07%* 6.37%* 6.77%* 9.24%*
91% - 100% N/A N/A N/A N/A N/A N/A
 * Denotes Discount with Auto Pay with Payment Protection.

* Rates quoted are an as low as rate and are based on Rewards Base Lending AAA credit with Auto Pay and Payment Protection.  Rates may be higher depending on credit worthiness.  Auto pay requires either payroll deduction or direct deposit, with an automatic transfer of payment due.  Payment Protection requires Member Pay Credit Life and Disability Insurance for qualifying members.  Add 1/2% for loans without Auto Pay and Payment Protection or add 1/4% for loans with Auto Pay only.
Rates are subject to change without notice.

 

Home Equity Line Of Credit (VARIABLE RATE PRODUCT)

HELOC Promotion:
Prime minus 0.51% for 5 years!

 

*Rate effective for 60 months, reverts to Prime + 0.00% after 60 months.
Existing Keystone HELOC loans available for Refinancing into Prime minus 0.51% .
To learn more go here.

          Home Equity Application Fee:    $150.00 within Pennsylvania, $350.00 out of state

 

Considering Refinancing Your Mortgage?
Check with Keystone FIRST !

WE DO BUSINESS IN ACCORDANCE WITH THE FEDERAL FAIR HOUSING LAW AND THE EQUAL CREDIT OPPORTUNITY ACT.

                              
 

   

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