Rates

Loan Term APR*
Cars & Trucks (New & Used) 3 Years 2.49%
Cars & Trucks (New & Used) 4 Years 2.99%
Cars & Trucks (New & Used) 5 Years 3.49%
Cars & Trucks (New & Used) 6 Years 3.99%
Cars & Trucks (New & Used) Loans over $25,000 7 Years 4.49%

 

Program Maximum Amount APR* Estimated Payment Per $100
VISA PLATINUM Credit Limit $20,000 9.90% 3% of balance
VISA GOLD Credit Limit $10,000 11.90% 3% of balance
VISA CLASSIC Credit Limit $5,000 14.40% 3% of balance
Product Term APR*
First Mortgage – Owner Occupied 30 Years 4.75%
First Mortgage – Owner Occupied 15 Years 4.40%
First Mortgage – Non-wner Occupied 12 Years 5.90%
Second Mortgage – Owner Occupied 20 Years 6.40%
Second Mortgage – Owner Occupied 15 Years 6.05%
Second Mortgage – Non-wner Occupied 12 Years 8.15%
Home Equity – Primary Residence Only 15 Years 4.50%
Program Term Rate APR*
Shares on Deposit 5 Years 2% above Share Rate 2% above Share Rate
Signature (Up to $5,000) 3 Years 9.90% 9.90%
Signature (Up to $10,000) 5 Years 11.90% 11.90%
Signature (Up to $20,000) 7 Years 12.90% 12.90%
Computer (Up to $3,000) 3 Years 12.00% 12.00%
Motorcycle (New) 5 Years 5.50% 5.50%
Motorcycle (Used) 5 Years 6.00% 6.00%
Other Vehicles (New/Used) Boats, Campers, Trailers, Motor Homes 5 Years
10 Years
6.00%
6.50%
6.00%
6.50%
Mobile Home Title 15 Years 8.25% 8.25%
Boat (used as a primary residence) 10 Years 7.75% 7.75%

Savings Accounts


Share & IRA

Savings Minimum Balance APR* APY**
$100 – 999.99 $100.00 0.10% 0.10%
$1,000 – 2,499.99 $1,000.00 0.20% 0.20%
$2,500 – 4,999.99 $2,500.00 0.35% 0.35%
$5,000 – UP $5,000.00 0.40% 0.40%
IRA Shares $100.00 0.45% 0.45%
Money Market Accounts $10,000.00 0.50% 0.50%
Share Drafts $100.00 0.05% 0.05%

Certificates

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Term Minimum Balance Dividend/Interest Rate APY**
6 Months $500.00* 0.65% 0.65%
9 Months $500.00* 0.70% 0.70%
12 Months $500.00* 0.80% 0.80%
18 Months $500.00* 0.80% 0.80%
24 Months $500.00* 1.05% 1.06%
36 Months $500.00* 1.20% 1.21%
48 Months $500.00* 1.25% 1.26%
60 Months $500.00* 1.50% 1.51%

*The minimum deposit required to open your Share Certificate or IRA Share Certificate is $500.00; with the following requirements: Must be enrolled in Online Banking or Mobile Banking and receive statements electronically via eStatements. Otherwise, the minimum deposit required is $5,000.00. You must maintain the minimum balance (i.e.: $500 or $5,000) and required services in order to maintain the Annual Percentage Yield stated on the Rate Schedule, and to avoid closure.

Early Withdrawal Penalty (Effective 12-01-2019)
We may impose a penalty if you withdraw principal from your account before the maturity date. The penalty imposed shall be 90 days of dividends whether earned or not.

Exception to Penalties
The penalties stated above will not apply if:

1.)  The Withdrawal is made subsequent to the death of any owner of the Share Certificate account or is made pursuant to the Credit Union’s bylaws.

 2.)  Such withdrawal is made as a result of voluntary or involuntary liquidation of the Credit Union issuing the account.