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Rates – Effective January 14, 2019

Savings (Share) Accounts

TypeAPY**APR***
Shares*0.10%0.10%
Clubs0.10%0.10%

*$5.00 minimum balance
**APY is Annual Percentage Yield
*** APR is Annual Percentage Rate
Your funds are insured by the NCUA to $250,000.

 

Checking (Share Draft) Accounts

TypeAPY**APR***
Drafts0.05%0.05%

**APY is Annual Percentage Yield
*** APR is Annual Percentage Rate

Your funds are insured by the NCUA to $250,000.

IRA's

TypeAPY**APR***
IRA's0.50%0.50%

**APY is Annual Percentage Yield
*** APR is Annual Percentage Rate

Your funds are insured by the NCUA to $250,000.

Share Certificates

TermAPY**APR***
6 Month0.75%.75%
12 Month1.01%1.0%
18 Month1.11%1.00%
24 Month1.36%1.35%
30 Month1.51%1.50%
36 Month1.76%1.75%
48 Month2.02%2.00%
60 Month2.32%2.30%

Rates subject to change weekly.
Share Certificate Rates are locked in at time of purchase.
Penalties will be imposed for early withdrawal.
Your funds are insured by the NCUA to $250,000.
**APY is Annual Percentage Yield
***APR is Annual Percentage Rate

Share and Share Certificate Secured Loans

Certificate2.00% above share certificate rate
Shares4.00% APR* (60 month max)

Consumer Loan Payment Example: New secured loan of $20,000 for 60 months at 4.00% APR will have a monthly payment of $368.35.
*APR is Annual Percentage Rate

Mortgages

  • 15 or 20 year fixed
  • 15 or 30 year balloon
  • HELOC
  • VA Loans
  • FHA
  • Adjustable Rate Mortgage
  • Jumbo

Ask a loan officer for more details!

One Payment Note

APR*
Titled Collateral**Ask a loan officer for details
Untitled Collateral**6.95% - 16.95%
Signature - no collateral12.90% - 18.00%

*APR is Annual Percentage Rate
** Purchase money only
Rates are based on credit score.
Programs, rates, terms and conditions are subject to change without notice.

Auto/Motorcycle Loans

Loan Type Up to 36 mos.APR* as low as** Up to 48 mos.APR* as low as** Up to 60 mos.APR* as low as** Up to 72 mos.APR* as low as** Up to 78 mos.APR* as low as** Up to 84 mos.APR* as low as**
2018-2019 New/Unregistered Titled Collateral3.25% to 13.25%3.50% to 13.50%3.75% to 13.75%4.25% to 14.25%4.50% to 14.50%***4.75% to 14.75%***
2013 - 2018 Used/Previously Registered Titled Collateral3.50% to 13.50%3.75% to 13.75%4.25% to 14.25%4.50% to 14.50%--
2009-2012 Titled Collateral-5.00% to 15.00%5.25% to 15.25%---
2008 & Older Titled Collateral6.95% to 16.95%-----

Consumer Loan Payment Example: New auto loan of $20,000 for three years at 2.25% APR will have a monthly payment of $575.05.

Used Vehicles: Any vehicle older than 8 years needs a visual inspection by Credit Union personnel and a picture for the file
90-day charge back on all reserves
*APR is Annual Percentage Rate
**Rates are based on credit score.
***Over $20,000 and 2017 or 2018 vehicles only.

Lawn Tractors, Farm Tractors, Dirt Bikes

Up to 36 mos.APR* as low as** Up to 48 mos.APR* as low as** Up to 60 mos.APR* as low as**
4.25% to 14.25%4.50% to 14.50%4.75% to 14.75%

Consumer Loan Payment Example: A tractor loan of $25,000 for 60 months at 4.00% APR will have a monthly payment of $460.44.
Will go to 120 months with 5-year balloons-farm tractors over $15,000 add 1% to 5 year rate
*APR is Annual Percentage Rate
**Rates are based on credit score.
Programs, rates, terms and conditions are subject to change without notice.

Snowmobiles

Up to 36 mos.APR* as low as** Up to 48 mos.APR* as low as** Up to 60 mos.APR* as low as**
6.90% to 16.90%7.50% to 17.50%7.90% to 17.90%

Consumer Loan Payment Example: Snowmobile loan of $15,000 for 48 months at 7.50% APR will have a monthly payment of $362.71.
*APR is Annual Percentage Rate
**Rates are based on credit score.
Programs, rates, terms and conditions are subject to change without notice.

Visa Credit Card

*APR is Annual Percentage Rate
**Rates are based on credit score.
Programs, rates, terms and conditions are subject to change without notice.

 

INTEREST RATES AND INTEREST CHARGED
Annual Percentage Rate (APR) for Purchases 6.9%, 8.9%, 12.9% or 17.9%
When you open your account, based on your creditworthiness.
APR for Balance Transfers 6.9%, 8.9%, 12.9% or 17.9%
When you open your account, based on your creditworthiness.
APR for Cash Advances 6.9%, 8.9%, 12.9% or 17.9%
When you open your account, based on your creditworthiness.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
FEES
Annual Fee None
Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

None
None
1% of each transaction in U.S. dollars
Penalty Fees

  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment
 

Up to $15
None
Up to $15

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Personal Loans

Up to 24 mos.APR* as low as** Up to 36 mos.APR* as low as** Up to 48 mos.APR* as low as**
7.00% to 17.00%7.25% to 17.25%7.50% to 17.50%

Consumer Loan Payment Example: New personal loan of $5,000 for 36 months at 6.75% APR will have a monthly payment of $153.82.
*APR is Annual Percentage Rate
**Rates are based on credit score.
Programs, rates, terms and conditions are subject to change without notice.

RV/Boat Loans

Loan Type Up to 60 mos.APR* as low as** Up to 84 mos.APR* as low as** Up to 120 mos.APR* as low as** 120 Month Pay OutAPR* as low as** 180 Month Pay OutAPR* as low as**
New 2016 - 20194.25% to 14.25%4.90% to 14.90%---
Balloon Rates (5 Year)---4.25% to 14.25%4.90% to 14.90%
Used 2009 - 20155.25% to 15.25%6.25% to 16.25%---
Balloon Rates (5 Year)-5.25% to 15.25%6.25% to 16.25%--
2008 & Older***6.75% to 16.75%----

Consumer Loan Payment Example: A boat loan for $20,000 for 84 months at 4.90% APR will have a monthly payment of $281.77.
*APR is Annual Percentage Rate
**Rates are based on credit score.
***Can add 12 months if over $10,000
Programs, rates, terms and conditions are subject to change without notice.

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