Risk-Based | Loans | Savings | Certificates
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Our "Risk-Based" pricing policy determines the loan A.P.R. only, the actual approval is based on the credit union's guidelines and judgement by the loan officer. Also, these rates apply to "New Money" or refinanced loans with a minimum of $300.00 add-ons.
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Secured Vehicles (Autos, Trucks, Vans, Boats, RVs, Trailers, etc.)
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 12 Months |
5.00% |
6.00% |
7.00% |
8.00% |
11.00% |
| 24 Months |
5.50% |
6.50% |
7.50% |
8.50% |
11.50% |
| 36 Months |
5.75% |
6.50% |
7.50% |
8.50% |
11.50% |
| 48 Months |
6.00% |
6.50% |
7.50% |
8.50% |
11.50% |
| 60 Months |
7.00% |
8.00% |
9.00% |
10.00% |
13.00% |
| 72 Months |
8.00% |
9.00% |
10.00% |
11.00% |
14.00% |
Signature & Line of Credit
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| Amounts & Terms Varies |
12.0% |
14.0% |
16.0% |
18.0% |
18.0% |
| Rates are subject to change without notice and ALL Loans are based "On Approved Credit" according to credit union guidelines and policies. |
| Shared Covered Loans |
Rate |
APR* |
Term |
|
| Certificate Secured (i.e. 4.0% rate plus 2% above CD Rate) |
6.0 |
6.0 |
120 |
Calculator |
| Shared Secured |
4.0 |
4.0 |
120 |
Calculator |
| VISA |
12.9 |
12.9 |
n/a |
Calculator |
*APR = Annual Percentage Rate
VISA LOANS: "Verified by Visa" is a security program designed to protect the "on-line" shooper. To access this "FREE" service that gives you password protection, go to Home Page and click onVerified by VISA.
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The Board of Directors authorizes the payment of dividends based upon the available earnings after porvision for reserves each month.
Dividends are paid the last day of the month and compounded monthly. The "A.P.Y." is based on an assumption that dividends will remain on deposit until maturity. |
| Savings |
Dividend Rate |
APY* |
Term |
| Christmas Club (Funded once a year in October) |
0.500 |
0.510 |
1 |
| Education |
0.500 |
0.510 |
1 |
| Impounds |
0.500 |
0.510 |
1 |
| Investment Account (Minimum $2,500.00) |
0.500 |
0.510 |
1 |
| IRA Savings |
0.500 |
0.510 |
1 |
| MISC |
0.500 |
0.510 |
1 |
| MISC (2nd or 3rd Savings) |
0.500 |
0.510 |
1 |
| Regular Shares |
0.500 |
0.510 |
1 |
| Taxes/Insurance |
0.500 |
0.510 |
1 |
| Vacation Club |
0.500 |
0.510 |
1 |
| Penalties for early withdrawals and no deposits during the term of CD. Other restrictions may apply, ask for a Truth-In-Savings Disclosure or contact the credit union. |
| Certificates |
Dividend Rate |
APY* |
Term |
| 12-Months ($1,000.00 minimum) |
2.00 |
2.020 |
12 |
| 24-Months ($1,000.00 minimum) |
2.00 |
2.020 |
24 |
| 36- Months ($1,000.00 minimum) |
2.40 |
2.430 |
36 |
| 12- Months JUMBO ($100,000.00 minimum) |
1.90 |
1.900 |
12 |
| 24- Months JUMBO ($100,000.00 minimum) |
2.75 |
2.780 |
24 |
| 36- Months JUMBO ($100,000.00 minimum) |
2.15 |
2.170 |
36 |
