Savings

Certificate Rates (Business & Consumer)

Term Dividend Rate APY*
6 month 0.65% 0.65%
12 month 1.00% 1.00%
24 month 1.25% 1.26%
36 month 1.50% 1.51%
48 month 1.65% 1.66%
60 month 2.30% 2.32%

*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

Account Type Dividend Rate APY*
Performance Money Market (Business & Consumer)
$2,500 - $9,999.99 0.30% 0.30%
$10,000 - $24,999.99 0.40% 0.40%
$25,000 - $49,999.99 0.50% 0.50%
$50,000 - $99,999.99 0.75% 0.75%
$100,000+ 1.00% 1.00%
 
Savings
Any balance 0.30% 0.30%
 
Checking
Any balance 0.10% 0.10%
 
Clubs
Any balance 0.30% 0.30%
 
IRA
Any balance 1.00% 1.00%
 
Business Savings
Any balance 0.30% 0.30%
 
Business Checking
Over $2,500 0.10% 0.10%

*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 October 1, 2017

Auto/Light Truck

Account Type Max Term (Months) Min. Max. Apply
New - 2017 thru 2018 60 2.65% 14.65% Apply Now
(less than 10,000 miles) 66 2.85% 14.85% Apply Now
72 3.50% 15.50% Apply Now
84 4.25% 16.25% Apply Now
96 (min. $30k) 4.95% 6.95% Apply Now
Used - 2017 thru 2018 60 2.90% 14.90% Apply Now
66 3.50% 15.50% Apply Now
72 4.10% 16.10% Apply Now
84 4.70% 16.70% Apply Now
Used - 2015 thru 2016 60 3.40% 15.40% Apply Now
66 3.70% 15.70% Apply Now
72 4.35% 16.35% Apply Now
84 5.30% 17.30% Apply Now
Used - 2013 thru 2014 48 3.95% 15.95% Apply Now
66 4.80% 16.80% Apply Now
72 5.40% 17.40% Apply Now
Used - 2011 thru 2012 48 4.45% 16.45% Apply Now
66 5.30% 17.30% Apply Now
Used - 2009 thru 2010 48 4.95% 16.95% Apply Now
66 5.80% 17.80% Apply Now

New/Used Recreational Vehicle

Account Type Max Term (Months) Min. Max. Apply
Campers, RVs - New 84 6.25% 15.25% Apply Now
Campers, RVs - Used 84 6.50% 15.50% Apply Now
Boats, Motor, Trailer - New 84 6.00% 15.00% Apply Now
Boats, Motor, Trailer - Used 84 6.50% 15.50% Apply Now
All Other Collateral - New 60 12.00% 18.00% Apply Now
All Other Collateral - Used 60 12.00% 18.00% Apply Now

Mobile Home

Account Type Max Term (Months) Min. Max. Apply
New 120 11.00% 11.00%
Used 84 11.00% 11.00%

Miscellaneous

Account Type Max Term (Months) Min. Max. Apply
Signature 60 6.00% 18.00% Apply Now
Line of Credit 60 6.00% 18.00% Apply Now

†Rates are subject to change without notice and may be different than what is shown on this web site. 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$1000 borrowed. 30 month term. For a loan at 9.0% APR, 30 monthly payments of $37.35 per $1000 borrowed. 36-month term. For a loan at 9.0% APR, 36 monthly payments of $31.81 per $1000 borrowed. 42 month term. For a loan at 9.0% APR, 42 monthly payments of $27.85 per $1000 borrowed 48-month term. For a loan at 9.0% APR, 48 monthly payments of $24.89 per $1000 borrowed. 60-month term. For a loan at 9.0% APR, 60 monthly payments of $20.76 per $1000 borrowed. 72-month term. For a loan at 9.0% APR, 72 monthly payments of $18.03 per $1000 borrowed. 120-month term. For a loan at 6.5% APR, 120 monthly payments of $11.36 per $1000 borrowed.

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 - Up to $25,000 Call for great home loan service! Apply Now
Undeveloped Land - $25,001 - $50,000 Call for great home loan service! Apply Now
Undeveloped Land - $50,001+ Call for great home loan service! Apply Now

Credit Cards

Credit Card Type
  Visa Classic Visa Gold  
Annual Percentage Rate 9.9% 9.9% Apply Now
Cash Advance APRs 9.9% 9.9%
Balance Transfer APRs 9.9% 9.9%
Line of Credit $500 - $4,999 $5,000 - $30,000
Annual Fee None None
Minimum Finance Charge None None
Cash Advance Fee None None
Returned Payment Fee Up to $25.00 Up to $25.00
Late Payment Fee $25.00 $25.00
Rate Increase for Balance Transfers No No