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Rates
Savings Rates
Loan Rates
& Fee Schedule
This rate schedule includes rates applicable to specified savings and checking accounts. This schedule is incorporated as a part of your account agreement with the Credit Union. For purposes of this disclosure, the dividend rate and annual percentage yield stated for term share accounts were offered within seven days and were accurate as of the date printed. Please contact the Credit Union for the most recent information. Subject to change. This schedule supercedes all previous rate schedules.
Savings Rates
| Account Name
| Rate Type
| Minimum Opening Balance
| Minimum To Earn Dividend
| Dividend Rate
| Annual Percentage Yield
| Dividend Declaration Date
| Share Savings
| Variable
| $25
| $25
| 0.25%
| 0.25%
| Monthly
| Checking
| Variable
| $25
| $0
| 0.00%
| 0.00%
| Monthly
| Money Market
| Variable
| $2,500
| $20,000
| 1.75%
| 1.77%
| Monthly
| Money Market
| Variable
| $20,001
| & Over
| 2.00%
| 2.02%
| Monthly
| IRA Shares
| Variable
| $50
| $5
| 1.50%
| 1.51%
| Monthly
| HSA Accounts
| Variable
| $0
| $5
| 1.25%
| 1.26%
| Monthly
Share and IRA Certificates
| 3 Months
| Fixed
| $1,000
| $1,000
| 2.65%
| 2.69%
| Monthly
| 6 Months
| Fixed
| $1,000
| $1,000
| 3.02%
| 3.07%
| Monthly
| 12 Months
| Fixed
| $1,000
| $1,000
| 3.05%
| 3.10%
| Monthly
| 18 Months
| Fixed
| $1,000
| $1,000
| 3.09%
| 3.14%
| Monthly
| 24 Months
| Fixed
| $1,000
| $1,000
| 3.10%
| 3.15%
| Monthly
| 36 Months
| Fixed
| $1,000
| $1,000
| 3.20%
| 3.25%
| Monthly
| 48 Months
| Fixed
| $1,000
| $1,000
| 3.20%
| 3.25%
| Monthly
| 60 Months
| Fixed
| $1,000
| $1,000
| 3.30%
| 3.35%
| Monthly
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Effective February 1, 2008
APY = Annual Percentage Yield. APY applies if dividends are not withdrawn during the term. Ask for information regarding fees and terms on savings, checking, and certificate accounts. Dividends are set by the Board of Directors and subject to change; dividend rates for certificates are for the entire term of the certificate. A penalty may be imposed for early withdrawal from a certificate. Fees or other conditions could reduce the earnings on accounts. Members are invited to contact any employee for further information about applicable fees and terms.
Member accounts insured to $100,000 by the National Credit Union Administration, an agency of the Federal Government.
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Loan Rates
| Loan Type
| Loan
Term
| Minimum Loan Amount
| Annual Percentage Rate From
| Annual Percentage Rate To
New Autos
(2009, 2008)
(Up to 100% of MSRP or High Blue Book)
| Up to 48 months
| up to $15,000
| 4.20%
| 17.90%
| Up to 60 months
| $15,000+
| 4.20%
| 17.90%
| Up to 72 months
| $25,000+
| 4.45%
| 17.90%
| Up to 84 months
| $30,000+
| 4.70%
| 17.90%
Used Autos
(2007 and older)
(Up to 100% of High Blue Book)
| Up to 36 months
| up to $7,500
| 4.45%
| 17.90%
| Up to 48 months
| $7,501 up to $15,000
| 4.45%
| 17.90%
| Up to 60 months
| $15,000+
| 4.45%
| 17.90%
| Up to 72 months
| $25,000+
| 4.70%
| 17.90%
New Motor Homes, Boats, Travel Trailers, Street Motocycles
(Up to 80% of MSRP)
| Up to 36 months
| $5,000+
| 6.49%
| 17.90%
| Up to 48 months
| $10,000+
| 6.49%
| 17.90%
| Up to 60 months
| $15,000+
| 6.49%
| 17.90%
| Up to 72 months
| $20,000+
| 6.49%
| 13.50%
| Up to 84 months
| $30,000+
| 6.49%
| 8.49%
| Up to 120 months
| $40,000+
| 6.49%
| 8.49%
| Up to 144 months
| $50,000+
| 6.49%
| 6.99%
| Up to 180 months
| $50,000+
| 6.49%
| 6.99%
Used Motor Homes, Boats, Travel Trailers, Street Motocycles
(Up to 100% of Low Blue Book)
| Up to 36 months
| $5,000+
| 6.99%
| 17.90%
| Up to 48 months
| $10,000+
| 6.99%
| 17.90%
| Up to 60 months
| $15,000+
| 6.99%
| 17.90%
| Up to 72 months
| $20,000+
| 6.99%
| 14.00%
| Up to 84 months
| $30,000+
| 6.99%
| 8.99%
| Up to 120 months
| $40,000+
| 6.99%
| 8.99%
| Up to 144 months
| $50,000+
| 6.99%
| 8.99%
| Up to 180 months
| $50,000+
| 6.99%
| 8.99%
New Off Road Motorcycle, Snowmobile, Personal Watercraft, Utility Trailer, Horse Trailer
(Up to 80% of MSRP)
| Up to 36 months
| $5,000+
| 6.49%
| 17.90%
| Up to 48 months
| $7,500+
| 6.49%
| 17.90%
| Up to 60 months
| $10,000+
| 6.49%
| 17.90%
Used Off Road Motorcycle, Snowmobile, Personal Watercraft, Utility Trailer, Horse Trailer
(Up to 100% of Low Blue Book)
| Up to 36 months
| $5,000+
| 6.99%
| 17.90%
| Up to 48 months
| $7,500+
| 6.99%
| 17.90%
| Up to 60 months
| $10,000+
| 6.99%
| 17.90%
| Signature Loans
| Up to 12 months
| $1,000+
| 12.00%
| 17.90%
| Up to 24 months
| $2,500+
| 12.00%
| 17.90%
| Up to 36 months
| $5,000+
| 12.00%
| 17.90%
Budget Booster
(Up to 1.5 times gross monthly income)
| Up to 12 months
| $1,000+
| 12.00%
| 17.90%
| Shared Secure Loans
| Up to 60 months
| $1,000+
| 3.50% + current rate paid on share or CD
| Platinum Visa
| No Annual Fee
| 10.90%
| APPLY NOW!
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| Classic Visa
| No Annual Fee
| 13.90%
| APPLY NOW!
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| Line of Credit Signature Loan
| Overdraft Protection
| 13.50%
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Effective May 23, 2008
The actual rate of interest and terms will depend on the credit score of the applicants and are subject to review and credit approval within the Credit Union's lending policies and guidelines.
MBI (Mechanical Breakdown Insurance) and GAP (Guaranteed Auto Protection) available on all vehicle secured loans.
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