Spartan Home Page

Tel : 864.503.9998
Fax: 864.503.8797

Email: info@spartanfederal.com

CURRENT RATES

Dividend Rates


	Dividend Rate	APY**
Share Certificate 6 months maturity	0.50%	0.50%*
Share Certificate 12 months maturity	0.75%	0.75%*
Share Certificate 18 months maturity	0.90%	0.90%*
Share Certificate 24 months maturity	1.15%	1.16%*
Share Certificate Rates may change without prior notice. The Dividend Rate is fixed for the Share Certificate, once opened. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. * Annual Percentage Yield is accurate as of 4/1/2012.

**Annual Percentage Yield Accurate as of 4/1/2012.	Dividend Rate	APY**
Shares: $00 to $99.99	0%	0%
$100.00 and over	0.25%	0.25%
Share Draft (Checking)	0.10%	0.10%
Money Market Draft (Checking)	0.40%	0.40%
Christmas Club	0.10%	0.10%
Squirrel Club	0.10%	0.10%

Individual Retirement Account (IRA)	0.75%	0.75%

Loan Rates
*Risk Based Pricing rewards members for good credit. These rates could differ as much as .50% below to 12% higher. (max 18%)


Share Secured	3% over Share rate	1-5 years 5% min. 5-10 years 7% min.
New vehicles-Up to 60 months	*as low as 3.25%
(min. 25,000) Up to 72 months	*as low as 4.25%
Used vehicle-1 yr (11)	*as low as 3.50%
Used vehicle-2 yr (10)	*as low as 4.00%
Used vehicle-3 yr (09)	*as low as 4.25%
Used vehicle-4 yr (08)	*as low as 4.75%
Used vehicle-5 yr (07)	*as low as 4.75%
Used vehicle-6 yr (06)	*as low as 4.75%
Used vehicle-7 yr (05)	*as low as 5.00%
Used vehicle-8 yr (04)	*as low as 5.00%
Used vehicle-9 yr (03)	*as low as 5.50%
Used vehicle-10 yr (02)	*as low as 5.50%
Used vehicle-11+ yr (01 and earlier)	*as low as 6.50%
Educational up to $2,500	*as low as 12.00%
Vacation/Christmas 12 Months $1,200 Max	*as low as 10.00%
Share rate same for 90-day note
Signature	*as low as 12.50%	Maximum $7,500.00 for up to 36 months
Watercraft/Motorcycles new, Up to 48 months 85% of msrp	*as low as 5.00%
Watercraft/Motorcycles used, up to 60 months 80% of NADA	*as low as 5.75%
Share Certificate Secured	3% above Share Certificate Rate	1-5 years-4% min. 5-10 years-6% min.
Overdraft Loan	as low as 18.00%
Home Equity-Fixed (1-60) months	as low as 5.25%	Variable-Prime +1%, Min. 5%
(61-120) months	as low as 6.00%	Variable-Prime +1%, Min. 5%

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

To assist members in accessing information not maintained on this site, the Credit Union provides links to other Internet addresses. Be advised that: 1) by clicking on any link to other Internet addresses, you are leaving the Credit Union's web site; 2) you are linking to an alternate web site not operated by the Credit Union; 3) the Credit Union is not responsible for the content of the alternate web site; 4) the Credit Union does not represent either the third party or the member if the two enter into a transaction; and 5) privacy and security policies may differ from those practiced by the Credit Union.