CURRENT RATES

SHARES
MONEY MARKET
SHARE CERTIFICATES
IRA'S
CONSUMER LOANS
      Auto
      Recreational Vehicle
      Powersports
      Motor Homes
      Travel Trailers 
      Signature / Unsecured
      Special Purpose
      Share Secured / Term Certificate Secured
      Home Improvement

 

 

 

 

 

 

 

 

 

All Share, Money Market, Share Certificate and IRA rates are accurate as of 03/13/2014.

 

All Consumer Loan rates are accurate as of 08/21/2016.



Shares

 
 Account  Rate  APY  Minimum Balance
 Regular  0.10%  0.10%  $25.00
 Christmas  0.10%  0.10%  $0.00
 Special  0.10%  0.10%  $0.00



Money Market Account

 
Tier Rate APY
I - $2,500 - $24,999 0.15% 0.15%
II - $25,000 + 0.20% 0.20%

**Effective April 1, 2014**

Share Certificate

 
Code Term Rate APY Minimum Balance
D 6 Months 0.20% 0.20% $500
E 12 Months 0.50% 0.50% $500
H 24 Months 0.75% 0.75% $500
G 36 Months 1.00% 1.00% $500



IRA'S

 
Code Term Rate APY Minimum Balance
F 18 Months 0.60% 0.60% $500
C 36 Months 1.00% 1.00% $500
R Roth 36 Months 1.00% 1.00% $500
S Edu 36 Months 1.00% 1.00% $500
T Conv 36 Months 1.00% 1.00% $500

 

 

CONSUMER LOANS

 

New and Used Auto Rates

 

  
Term Price Rate

 84 months

≥  $20,000

 4.99% APR* - 18.00% APR*

 72 months

≥  $20,000

 4.49% APR* - 18.00% APR*

 60 months

≥  $15,000

 3.99% APR* - 18.00% APR*

 48 months

≥  $10,000

 3.49% APR* - 18.00% APR*

 36 months

≥    $5,000

 2.99% APR* - 18.00% APR*

   

 

 

*APR = Annual Percentage Rate. APR based on individual’s Credit Rating. Terms based on year of vehicle. 
New autos are financed up to 100% of purchase price, plus tax, tag and title.
The credit union offers Extended Warranty and Gap.

**Add 1.00% for vehicles 5 years & older.  Add 1.00% for 100,000 miles or more.




Recreational Vehicle Loans - New Boats

  
Price Rate Term
>= $25,000 3.99% APR* - 18.00% APR* 12 – 72 months
$20,000 - $24,999 3.99% APR* - 18.00% APR* 12 – 66 months
< $20,000 3.99% APR* - 18.00% APR* 12 – 60 months

 

*APR = Annual Percentage Rate. APR based on individual’s Credit Rating. Terms based on year of recreational vehicle. New boats are financed up to 90% of purchase price, plus tax, tag and title.

 

Recreational Vehicle Loans - Used Boats

  
 Rate  Term
 5.99% APR* - 18.00% APR*  12 – 60 months

 

*APR = Annual Percentage Rate. APR based on individual’s Credit Rating. Terms based on year of recreational vehicle. 100% financing up to NADA retail.



POWERSPORTS: Motorcycles, ATV's, Personal Watercraft, Tractors

  
New/Used Price Rate Term
New >=$25,000 4.99% APR* - 18.00% APR* 24 Months
New $20,000 - $24,999 4.99% APR* - 18.00% APR* 24 - 36 Months
New < $20,000 5.49% APR* - 18.00% APR* 24 - 48 Months
Used >= $20,000 5.49% APR* - 18.00% APR* 24 - 60 Months
       

 

*APR = Annual Percentage Rate. APR based on individual’s Credit Rating. Terms based on year of recreational vehicle.  New: 90% Purchase Price, plus tax, tag & title. Used: 100% financing up to NADA appraisal guide.



New Motor Homes

  
Price Rate Term
>= $25,000 7.90% APR* - 18.00% APR* 12 – 120 months
$20,000 - $24,999 7.40% APR* - 18.00% APR* 12 – 108 months
< $20,000 6.90% APR* - 18.00% APR* 12 – 96 months

 

*APR = Annual Percentage Rate.  APR based on individual’s Credit Rating. Terms based on year of vehicle.  90% Purchase Price, plus tax, tag & title.



Used Motor Homes

  
Rate Term
8.90% APR* - 18.00% APR* 12 – 96 months

 

*APR = Annual Percentage Rate.  APR based on individual’s Credit Rating. Terms based on year of vehicle.  100% financing up to NADA retail.



New Travel Trailers

  
Price Rate Term
>= $25,000 7.50% APR* - 18.00% APR* 12 – 84 months
$20,000 - $24,999 7.00% APR* - 18.00% APR* 12 – 72 months
< $20,000 6.50% APR* - 18.00% APR* 12 – 60 months

 

*APR = Annual Percentage Rate.  APR based on individual’s Credit Rating. Terms based on year of vehicle.  90% Purchase Price, plus tax, tag & title.



Used Travel Trailers

  
Rate Term
8.50% APR* - 18.00% APR* 12 – 60 months

 

*APR = Annual Percentage Rate.  APR based on individual’s Credit Rating. Terms based on year of vehicle.  100% financing up to NADA retail.



Signature / Unsecured Loans

  
Loan Amount Rate Term
Up to $5,000 9.50% APR* - 18.00% APR* 12 - 60 months

 

Signature/Unsecured Loans 
- With a Signature/Unsecured Loan, you can borrow up to $5,000 to be used for a vacation, debt consolidation or anything else you might need. We have competitive rates and flexible terms up to 60 months.
- *APR = Annual Percentage Rate. APR based on individual’s Credit Rating.



Special Purpose Loans

  
Loan Rate Term
Purchase Price (must present purchase order before closing) 9.90% APR* 12 – 48 months

 

Special Purpose Loans 
- Personal Loans provide purchase money for items like computers, appliances, furniture or other major purchases. Rates start at 9.90% APR* with a term of 48 months.



Share Secured / Term Certificate Secured Loans

  
Type Rate Term
Share Secured 4.75% APR* 12 - 60 months
Term Certificate Secured

2.00% APR* + CD Rate
(4.00% APR* Floor)

12 – 60 months

 

Share Secured/Term Certificate Secured Loans
- You can borrow against your available share balance or up to the maximum amount in your term certificate at a much lower rate when you pledge your share savings or term certificate for this type of loan. Your money will continue to earn dividends while serving as collateral for your loan. 
- *APR = Annual Percentage Rate. 



Home Improvement Loans

  
Loan Amount Rate Term
Up to $5,000 9.00% APR* 12 - 60 Months



Home Improvement Loans
- From small repairs to improvements of your home, this loan may be the perfect fit.  Borrow up to $5,000 with a repayment schedule of up to 60 months. 
- *APR = Annual Percentage Rate.  APR based on individual’s Credit Rating.