Rates










Risk-Based | Loans | Savings | Certificates

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.

 


Secured Vehicles
(Autos, Trucks, Vans, Boats, RVs, Trailers, etc.)

Credit Rating A
APR*
B
APR*
C
APR*
D
APR*
E
APR*
85% Loan To Value  5.00% 7.00% 9.00% 18.00%  
100% Loan To Value 6.00% 8.00% 10.00% 18.00%  

NEW Not previously registered.

72 months add 1%-must be over 25,000

84 months add 2%-must be over 35,000

 

 1.99%

 

3.99% 5.99% 18.00%  


Signature & Line of Credit

Credit Rating A
APR*
B
APR*
C
APR*
D
APR*
E
APR*
Amounts & Terms Varies  8.0% 10.0% 12.0% 18.0%  

 

*APR = Annual Percentage Rate

Real Estate Equity Loans
85% Loan-To-Value NO CLOSING 120 MONTHS 4.99%
OVER $50,000.00 180 MONTHS 5.99%
85% LTV PLUS CLOSING 120 MONTHS 5.99%
UNDER $50,000.00 180 MONTHS 6.99%

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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 3.0  3.0  120 Calculator
Shared Secured 3.0 3.0 120 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) 0.1000 0.10 1
Education 0.1000 0.10 1
Impounds 0.1000 0.10 1
Investment Account (Minimum $2,500.00) 0.1000 0.10 1
IRA Savings 0.1000 0.10 1
MISC 0.1000 0.10 1
MISC (2nd or 3rd Savings) 0.1000 0.10 1
Regular Shares 0.1000 0.10 1
Taxes/Insurance 0.1000 0.10 1
Vacation Club 0.1000 0.10 1
*APY = Annual Percentage Yield
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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) .25 .2503 12
24-Months ($1,000.00 minimum) .50 .5012 24
36- Months ($1,000.00 minimum) .75 .7528 36
12- Months JUMBO ($100,000.00 minimum) .25 .2503 12
24- Months JUMBO ($100,000.00 minimum) .50 .5012 24
36- Months JUMBO ($100,000.00 minimum) 1.00 .7528 36
*APY = Annual Percentage Yield
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