Rates

ACCOUNTS

Effective 07/1/15

Account Type
Annual Percentage Yield *
Minimum Opening Deposit
Minimum Balance to earn APY
Account Limitations
Dividend Frequency

Regular Share

0.20%
$50.00
$100.00
Account transfer and withdrawal limitations apply
Quarterly

Christmas Share (1 year term dividends paid on September 30th)

1.00%
$5.00
Account transfer and withdrawal limitations apply Maximum Deposit $2,500
Quarterly

Share Draft (Checking)

0.10%
$50.00
$100.00
Monthly

Club Share (Non-Profit Organizations)

0.20%
$50.00
$100.00
Account transfer and withdrawal limitations apply
Quarterly

* Annual Percentage Yields (APYs) shown are accurate as of 07/01/15. Fees could reduce the earnings on the accounts. Dividends and annual percentage yields may change monthly, as determined by the Board of Directors. Credit Union membership is $50.00 par value.


Share Certificates

 

Term
Annual Percentage Yield *
Minimum Opening Deposit
Dividend Frequency

1-year

0.40%
$1,000.00
Monthly

2-year

0.60%
$1,000.00
Monthly

3-year

0.75%
$1,000.00
Monthly

* Annual Percentage Yields (APYs) are accurate as of 04/01/15. Rates are fixed and will be in effect for the term of the account. Penalties may be imposed on early withdrawals, as applicable. Dividends are credited to your Regular Share account or back to certificate. Rates are subject to change without notice.


Loans

 

Product
Term
APR

Personal Loans

1 Year
As low as 5.75% ^
2 Years
As low as 6.25% ^
3 Years
As low as 6.75% ^
4 Years
As low as 7.25% ^
5 Years
As low as 7.75% ^
6 Years
As low as 8.50% ^

Shared Secured

Up to 10 years
3.00%

 New Auto Loans (120% of MSRP Financing)

1-4 Years
As low as 2.50% ^
5 Years
As low as 2.75% ^
6 Years*
As low as 3.25% ^
7 Years**
As low as 3.75%^

Used Auto Loans (85%-110% of KBB retail- based on age of vehicle)

1-4 Years
As low as 4.25% ^
5 Years
As low as 5.75% ^
6 Years*
As low as 7.25% ^
Rates are based on creditworthiness, so rates may differ.
Rates subject to change without notice.
*Six-year term available for auto loans exceeding $20,000.
**Seven-year term available for new auto loans exceeding $30,000.

^APR is Annual Percentage Rate. Actual rates are based on credit rating, loan term and year of vehicle. Payment example: A $10,000 loan at 2.50% APR over 3 years term would require a monthly payment of approximately $288.61.