Rates
Loan Rates | ||
| LOAN TYPE | APR (Annual Percentage Rate) | |
| New & Used Auto | As low as 4.34% | |
| New & Used Motorcycles | As low as 6.84% | |
| New & Used Boats | As low as 6.84% | |
| Shared Secured | Share rate + 3.50% | |
| Certificate Secured | Certificate rate + 2.50% | |
| Personal | As low as 10.45% | |
| Platinum MasterCard | As low as 6.74% + PRIME | |
| HOME EQUITY LOANS | TERM | APR (Annual Percentage Rate) |
| 5 years | As low as 6.75% | |
| 10 years | As low as 7.25% | |
| 15 years |
As low as 7.75% | |
| 20 years | As low as 8.25% | |
| HELOCS | TERM | APR (Annual Percentage Rate) |
| 20 years with 10 year draw | As low as 1% + Prime |
Deposit & Investment Rates | ||||
| SHARE TYPE | MIN BAL TO OPEN | Rate | APY* | CREDITED |
| Regular Shares | $1.00 | 0.20% | 0.20% | QUARTERLY |
| Checking Accounts | $1.00 | 0.05% | 0.05% | QUARTERLY |
| Student Checking Accounts |
$1.00 |
0.15% |
0.15% |
QUARTERLY |
| Money Market ($1,500 - $25,000) | $1,500.00 | 0.40% | 0.40% | MONTHLY |
| Money Market Plus ($25,000.01 - $100,000.00) | $25,000.01 | 0.50% | 0.50% | MONTHLY |
| Money Market Jumbo ($100,000.01 +) | $100,000.01 | 0.66% | 0.66% | MONTHLY |
| IRA Share Account | $0.00 |
0.50% |
0.50% |
MONTHLY |
Share/IRA Certificates |
||||
| SHARE/IRA CERTIFICATES** |
MIN BAL TO OPEN |
Rate |
APY* |
CREDITED |
| 6 MONTH | $1,500.00 | 1.25% | 1.25% | MATURITY |
| 12 MONTH SAVE TO WIN | $25.00 | 0.50% | 0.50% | MATURITY |
| 12 MONTH | $1,000.00 | 1.35% | 1.35% | MONTHLY |
| 24 MONTH | $1,000.00 | 1.83% | 1.85% | MONTHLY |
| 36 MONTH | $1,000.00 | 2.08% | 2.10% | MONTHLY |
| 60 MONTH | $1,000.00 | 2.22% | 2.25% | MONTHLY |
1. Certificates can be setup for auto-renewal at time of issuance.
2. APY = Annual Percentage Yield, effective 04/01/2015
3. A penalty of 50% of interest for the life of the certificate, or 180 days, whichever is greater will be imposed for early principle withdrawal. A 30 day notice is mailed prior to renewal date. Rates are set by Board of Directors and subject to change without notice. Loan rates determined by individual credit rating. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, NCUA.
4. Regular Savings and Checking require minium $500 balance to earn dividends, **** IRA Savings require a minimum of $50 balance to earn dividendRates
5. Fees may reduce potential earnings.
