Rates
Savings
Current Savings Rates as of December 1, 2020
Certificate Rates (Business & Consumer)
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 month | 0.15% | 0.15% |
| 12 month | 0.17% | 0.17% |
| 24 month | 0.27% | 0.27% |
| 36 month | 0.40% | 0.40% |
| 48 month | 0.42% | 0.42% |
| 60 month | 0.55% | 0.55% |
*Annual Percentage Yield. Rates are subject to change without notice. Dividends are compounded monthly. A $2,500 minimum deposit is required on term share certificates; a $500 minimum deposit is required on IRA certificates. Early withdrawal penalties will or may apply, if applicable. Please contact the Credit Union for information on applicable fees and terms.
Savings/Checking/Money Market Rates
*Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings. Please contact the Credit Union for information on applicable fees and terms.
Loans
Current Rates as of January 6, 2021
Auto/Light Truck
| Account Type | Max Term (Months) | Min. | Max. | Apply |
|---|---|---|---|---|
| New - 2020 thru 2021 | 60 | 3.55% | 15.55% | Apply Now |
| (less than 10,000 miles) | 66 | 3.65% | 15.65% | Apply Now |
| 72 | 4.30% | 16.30% | Apply Now | |
| 84 | 5.00% | 17.00% | Apply Now | |
| 96 (min. $30k) | 5.70% | 7.70% | Apply Now | |
| Used - 2020 thru 2021 | 60 | 4.00% | 16.00% | Apply Now |
| 66 | 4.30% | 16.30% | Apply Now | |
| 72 | 4.90% | 16.90% | Apply Now | |
| 84 | 5.70% | 15.70% | Apply Now | |
| Used - 2017 thru 2019 | 60 | 4.20% | 16.20% | Apply Now |
| 66 | 4.50% | 16.50% | Apply Now | |
| 72 | 5.15% | 17.15% | Apply Now | |
| 84 | 6.30% | 16.30 | Apply Now | |
| Used - 2015 thru 2016 | 48 | 4.75% | 16.75% | Apply Now |
| 66 | 5.60% | 17.60% | Apply Now | |
| 72 | 6.70% | 18.70% | Apply Now | |
| Used - 2013 thru 2014 | 48 | 6.05% | 18.05% | Apply Now |
| 66 | 6.90% | 18.90% | Apply Now | |
| Used - 2011 thru 2012 | 48 | 6.85% | 18.85 | Apply Now |
| 66 | 7.70% | 19.70% | Apply Now |
Miscellaneous
| Account Type | Max Term (Months) | Min. | Max. | Apply |
|---|---|---|---|---|
| Signature | 60 | 8.00% | 20.00% | Apply Now |
| Line of Credit | 60 | 8.00% | 20.00% | Apply Now |
†Rates are subject to change without notice and may be different from what is shown on this website. Rates will not fall below established floor limits. Rate offered is based upon applicant's credit history, and/or collateral offered, model year and mileage of vehicle (when appropriate). Credit conditions and qualifications apply. Please contact the Credit Union for complete details. 24-month term. For a loan at 9.0% APR, 24 monthly payments of $45.69 per $1,000 borrowed. 30-month term. For a loan at 9.0% APR, 30 monthly payments of $37.35 per $1,000 borrowed. 36-month term. For a loan at 9.0% APR, 36 monthly payments of $31.81 per $1,000 borrowed. 42-month term. For a loan at 9.0% APR, 42 monthly payments of $27.85 per $1,000 borrowed 48-month term. For a loan at 9.0% APR, 48 monthly payments of $24.89 per $1,000 borrowed. 60-month term. For a loan at 9.0% APR, 60 monthly payments of $20.76 per $1,000 borrowed. 72-month term. For a loan at 9.0% APR, 72 monthly payments of $18.03 per $1,000 borrowed. 120-month term. For a loan at 6.5% APR, 120 monthly payments of $11.36 per $1,000 borrowed.
New/Used Recreational Vehicle
| Account Type | Max Term (Months) | Min. | Max. | Apply |
|---|---|---|---|---|
| Campers, RVs - New | 84 | 6.25% | 18.25% | Apply Now |
| Campers, RVs - Used | 84 | 6.50% | 18.50% | Apply Now |
| Boats, Motor, Trailer - New | 84 | 6.00% | 18.00% | Apply Now |
| Boats, Motor, Trailer - Used | 84 | 6.50% | 18.50% | Apply Now |
| All Other Collateral - New | 60 | 12.00% | 24.00% | Apply Now |
| All Other Collateral - Used | 60 | 12.00% | 24.00% | Apply Now |
Mortgage Loans
Current Rates as of September 1, 2020
Mobile Home
| Account Type | Max Term (Months) | Min. | Max. | Apply |
|---|---|---|---|---|
| New | 120 | 11.00% | 11.00% | |
| Used | 84 | 11.00% | 11.00% |
‡Home Equity rates are based on an independent index, (the “Index”), which is the weekly average yield on U.S. Treasury Securities adjusted to a constant maturity of one year. We will use the most recent index value available to us as of the third Monday of the month previous to any annual percentage rate adjustment. The annual percentage rate can change annually on the anniversary date of plan opening. The rate cannot increase or decrease more than 2.0 percentage points in any one year period. An initial discount rate may be applicable. The maximum Annual Percentage Rate that can apply is 12% or the maximum permitted by law, whichever is less. However, under no circumstances will your Annual Percentage Rate go below 3.75% at any time during the term of the plan. Other restrictions may apply. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
Home Equity Line of Credit
| Account Type | Max Term (Months) | Min. | Max. | Apply |
|---|---|---|---|---|
| Home Equity Line of Credit | 300 | 3.50% | 12.00% | Apply Now |
‡Home Equity rates are based on an independent index, (the “Index”), which is the weekly average yield on U.S. Treasury Securities adjusted to a constant maturity of one year. We will use the most recent index value available to us as of the third Monday of the month previous to any annual percentage rate adjustment. The annual percentage rate can change annually on the anniversary date of plan opening. The rate cannot increase or decrease more than 2.0 percentage points in any one year period. An initial discount rate may be applicable. The maximum Annual Percentage Rate that can apply is 12% or the maximum permitted by law, whichever is less. However, under no circumstances will your Annual Percentage Rate go below 3.75% at any time during the term of the plan. Other restrictions may apply. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
Home Loans/Real Estate
| Account Type | Max Term (Months) | Min. | Max. | Apply |
|---|---|---|---|---|
| First Mortgage - Fixed Rate | 360 | Apply Now | ||
| First Mortgage - Adjustable Rate | 360 | Apply Now | ||
| Construction | Call for great home loan service! | Apply Now | ||
| Undeveloped Land | Call for great home loan service! | Apply Now |
‡Home Equity rates are based on an independent index, (the “Index”), which is the weekly average yield on U.S. Treasury Securities adjusted to a constant maturity of one year. We will use the most recent index value available to us as of the third Monday of the month previous to any annual percentage rate adjustment. The annual percentage rate can change annually on the anniversary date of plan opening. The rate cannot increase or decrease more than 2.0 percentage points in any one year period. An initial discount rate may be applicable. The maximum Annual Percentage Rate that can apply is 12% or the maximum permitted by law, whichever is less. However, under no circumstances will your Annual Percentage Rate go below 3.75% at any time during the term of the plan. Other restrictions may apply. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.