Account Rates | Rate |
APY |
Balance Requrements |
Effective Date |
Regular Share Savings and Club Accounts |
0.20% | 0.20% | $250.00 to earn dividends | 04/01/2014 |
1 Year Share Certificate | 0.55% | 0.55% | $1,000. |
6/18/2014 |
2 Year Share Certificate | 0.70% | 0.70% | $1,000. |
6/18/2014 |
3 Year Share Certificate | 0.90% | 0.90% | $1,000. |
6/18/2014 |
4 Year Share Certificate | 1.30% | 1.31% | $1,000. | 06/18/2014 |
5 Year Share Certificate |
1.45% |
1.46% |
$1,000. |
6/18/2014 |
Individual Retirement Accounts | ||||
IRA Certificates |
Same terms and rates as Share Certificates above. |
|||
IRA Share Accounts | 1.00% | 1.01% |
01/2/2013 |
Loan Rates
Loan Type | Max. Term | Max. Amount | APR* |
Signature (Closed End) | 60 Months | $10,000. | 7.99%-12.99% |
Signature (Open End) | 36 Months | $5,000. | 7.50% - 12.50% |
Share Secured | up to 36 Months 37 - 60 Months |
100% of share balance 100% of share balance |
3% above share rate 3.25% above shares |
Certificate Secured | Term of certificate | 100% of certificate balance | 3% above certificate rate |
New Autos (current year) | Up to 60 months 61-72 months |
100% 100% |
2.99% - 7.99% 3.49% - 8.49% |
Used Autos 2012-2014 Used Autos 2010-2014 Used Autos 2006-2008 Used Autos 2005 or older |
Up to 72 months Up to 60 months Up to 48 months Up to 36 months |
Retail Value |
3.99% - 8.99% 3.99% - 8.99% 4.49% - 9.49% Same as Signature Loan |
New Motorcycle (current year) | Up to 60 months Up to 72 months |
Retail Value Retail Value |
2.99% - 7.99% 3.49% - 8.49% |
Used Motorcycle 2010-2014 Used Motorcycle 2006-2009 Used Motorcycle 2005 or older |
Up to 60 months Up to 48 months Up to 36 months |
Retail Value Retail Value Retail Value |
4.99% - 9. 99% 5.49% - 10.49% Same as Signature Loan |
New Recreational Vehicle | Up to 60 months 61-72 months |
100% 100% |
3.99% - 8.99% 4.49% - 9.49% |
Used RV 2010-2014 Used RV 2006-2009 Used RV 2005 or older |
Up to 60 months |
Retail Value Retail Value Retail Value |
4.49% - 9.49% 5.49% - 10.49% Same as Signature Loan |
New Tractor | Up to 60 months | 100% | 4.99% - 9.99% |
Used Tractor | Up to 60 months | Retail Value | 5.99% - 10.99% |
First Mortgage | Up to 5 years 6 to 10 years |
80% of appraisal 80% of appraisal |
3.75% - 8.75% 4.75% - 9.75% |
Second Mortgage | Up to 5 years 6 to 10 years |
80% less first mortgage 80% less first mortgage |
4.75% - 9.75% 5.75% - 10.75% |
*All rates are subject to change and are dependant upon several factors such as credit history, income and other account relationships with the credit union.