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Rates & Terms

Savings Rates

Effective 10/1/2018

The dividend rate and APY may change at any time as determined by the Credit Union Board of Directors.

*ANNUAL PERCENTAGE YIELD

Account Type

Rate

Yield Terms

Share (Savings)

Set Quarterly

0.10% APY*

During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable, or similar order to third party. If you exceed the transfer limitations set forth above in any statement period, a fee of $5.00 will charged for each excess transaction.

Vacation Club

Set Quarterly

0.10% APY*

The maximum deposit per year is $25,000. There will be a $5.00 fee for each account withdrawal over 4 per year. All other account terms above apply.

Holiday Club

Set Quarterly

0.10% APY*

The dividend period is the same as the club period. For example, Nov. 1st to Oct. 31st. If a withdrawal is made before Oct. 31st the account will be closed. If you close your account, you will not receive accrued dividends.

Education Club

Set Quarterly

0.10% APY*

The maximum deposit per year is $5,000. There will be a $5.00 fee for each withdrawal over 4 per year. All other account terms above apply.

Checking

Set quarterly 0.00% APY*

 

Traditional IRA's

Roth IRA's

Set Quarterly

0.10% APY*

Share/IRA Certificate will be compounded quarterly and will be credited quarterly.

Coverdell ESA

Set Quarterly

0.10% APY*

 

 

 

Term IRA & CD Rates  Effective 2/15/2019

$1000 minimum

Term

Rate

Yield

3 months

0.25%

0.25%

6 months

0.65%

0.65%

12 months

1.00%

1.00%

24 months

1.30%

1.30%

36 months

1.50%

1.50%

60 months

1.80%

1.80%

 

APY = Annual Percentage Yield, $1,000.00 Minimum deposit required. A penalty may be imposed for early withdrawal.

Loan Rates

Effective 10/1/2018

The following is a sampling of our loan rates. Other rates and terms are available. Contact the credit union for more information. Rates are subject to change at any time without notice.

UNSECURED LOANS

Term
Rates

12 Months

From 9.99% to 17.99% APR**

24 Months

From 9.99% to 17.99% APR**

36 Months

From 9.99% to 17.99% APR**

48 Months

From 9.99% to 17.99% APR**

60 Months

From 9.99% to 17.99% APR**

72 Months

From 9.99% to 17.99% APR**

84 Months

From 9.99% to 17.99% APR**

 

Rates are based on Credit ratings, Credit history and Term of loan. Your rate may vary. Rates are subject to change.

NEW AUTO AND MOTORCYCLE LOANS

Term
Rates

24 Months

From 2.49% - 9.00% APR**

36 Months

From 2.49% - 9.00% APR**

48 Months

From 2.49% - 9.50% APR**

60 Months

From 2.49% - 10.50% APR**

72 Months

From 3.00% - 11.00% APR**

84 Months

From 3.25% - 11.25% APR**

 

 

 

Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.

USED AUTO AND MOTORCYCLE LOANS

Term
Rates

24 Months

From 2.99% - 10.00% APR**

36 Months

From 2.99% - 10.00% APR**

48 Months

From 3.25% - 10.50% APR**

60 Months

From 3.25% - 11.50% APR**

72 Months

From 4.00% -12.00% APR**

84 Months

From 4.25% - 12.25% APR**

 

 

 

Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.

NEW BOATS AND RV'S LOANS

Term
Rates

24 Months

From 7.25% to 15.00% APR**

36 Months

From 7.50% to 15.25% APR**

48 Months

From 7.75% to 15.75% APR**

60 Months

From 8.00% to 16.00% APR**

72 Months

From 8.25% to 16.50% APR**

84 Months

From 8.50% to 16.75% APR**

 

 

 

Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.

USED BOATS AND RV'S LOANS

Term
Rates

24 Months

From 8.25% to 16.00% APR**

36 Months

From 8.50% to 16.25% APR**

48 Months

From 8.75% to 16.75% APR**

60 Months

From 9.00% to 17.00% APR**

72 Months

From 9.25% to 17.50% APR**

84 Months

From 9.50% to 17.75% APR**

 

 

 

Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.

OTHER LOANS

Loan Type
Term
Rate

Cash in a Flash

6 mths

25.00% APR*

Emergency Loan

12 mths

17.99% APR*

Loyalty Loan

12 mths

12.00% APR*

Birthday Loan

6-12 mths

17.99% APR*

Share Secured

12-84 mths

5.00% APR*

Overdraft Line of Credit

Open-end

15.99% APR*

CD Secured

Term of CD

CD Rate + 2.5% APR*

     

HOME EQUITY LOAN RATES

Term
Rates

5 Years

From 4.75% to 7.75% APR***

10 Years

From 5.00% to 8.25% APR***

15 Years

From 5.50% to 8.50% APR***

20 Years

From 6.00% to 8.75% APR***

 

 

 

Rates are based on credit score. Contact the Consumer Loan Manager for closing costs and home equity information.

 

View our current Mortgage Rates

VISA CREDIT CARD RATES

VISA Platinum
VISA Student
VISA Secured

9.99% to 17.99% APR**

9.99% APR*

10.99% APR*

 

VISA® Credit Cards Application & Disclosure

 

* Annual Percentage Rate

** Rates are based on credit ratings and term of loan. Your rate may vary. Rates are subject to change.

*** A typical fixed rate loan of $50,000 at 6.50% APR would have 180 monthly payments of $435.68 with a total repayment of $78,421.45. You should consult a tax advisor regarding the deductibility of interest and any other charges.