Rates

Membership eligibility is required with a minimum deposit of $25 in a share savings account.

Please contact us for additional products, rates, and terms if you don’t seem them on our website.

Rates

Savings

Rates Effective as of May 2, 2016. Rates subject to change without notice. Fees may reduce earnings on accounts.

Name APY* Minimum Amount to Open Account Minimum Balance to Earn Dividends
 Share Savings Account  0.10% $25.00  $185.00
 Dollar Dog Account  0.15% $0.00  $125.00
 Club Accounts  0.10% $0.00  $185.00
 Youth Club Accounts  0.15% $0.00  $125.00
 Christmas Club Accounts  0.10% $0.00  $185.00
IRA Share Accounts  0.20% $0.00  $100.00
Money Market Plus+      
 $2,000 to $9,999.99  0.08% $0.00  $2,000.00
 $10,000 to $24,999.99  0.15% $0.00  $10,000.00
 $25,000 to $49,999.99  0.15% $0.00  $25,000.00
 $50,000 to $99,999.99  0.20% $0.00   $50,000.00
 $100,000.00 and over  0.30% $0.00  $100,000.00
 Business Money Market Plus+      
 $2,000 to $9,999.99  0.08%  $0.00  $2,000.00
 $10,000 to $ 24,999.99  0.15%  $0.00  $10,000.00
 $25,000 to $49,999.99  0.15%  $0.00  $25,000.00
 $50,000 to $99,999.99  0.20%  $0.00  $50,000.00
 $100,000.00 and over  0.30%  $0.00  $100,000.00
 Share Draft Accounts  0.00%  $0.00  N/A
 Value Checking Plus+ Accounts  0.05%  $0.00  $2,000.00
 Business Checking Plus+  0.05%  $0.00  $2,000.00
       
 *APY is Annual Percentage Yield      

Regular / IRA Share Certificates

Rates Effective as of May 24, 2016. Rates subject to change without notice. We may impose a penalty if funds are withdrawn before the maturity date. If the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal. 

Term APY* Minimum Amount to Open Account Minimum Balance to Earn Dividends
 3 month 0.07% $500.00 $500.00
 6 month 0.10%  $500.00  $500.00 
 9 month 0.20%  $500.00  $500.00 
12 month  0.20%  $500.00  $500.00 
18 month  0.40%  $500.00  $500.00 
21 month  1.00%  $500.00  $500.00 
24 month  0.50%  $500.00  $500.00 
30 month  0.60%  $500.00  $500.00 
36 month  0.80%  $500.00  $500.00 
40 month  1.46%  $500.00  $500.00 
48 month  1.15%  $500.00  $500.00 
59 month  1.51%  $500.00  $500.00 
60 month  1.46%  $500.00  $500.00 
72 month  1.76%  $500.00  $500.00 
84 month (7 years) 1.81% $500.00  $500.00 
96 month (8 years) 1.91% $500.00  $500.00 
108 month (9 years) 2.02% $500.00  $500.00 
120 month (10 years) 2.07% $500.00  $500.00 
       
 *APY is Annual Percentage Yield      

Jumbo Term Share Certificates

Rates Effective as of May 24, 2016. Rates subject to change without notice. We may impose a penalty if funds are withdrawn before the maturity date. If the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal.

 

Term APY* Minimum Amount to Open Account Minimum Balance to Earn Dividends
24 month 0.60% $50,000.00 $50,000.00
30 month 1.00% $50,000.00 $50,000.00
36 month 0.85% $50,000.00 $50,000.00
48 month 1.21% $50,000.00 $50,000.00
60 month 1.51% $50,000.00 $50,000.00
72 month 1.81% $50,000.00 $50,000.00
84 month (7 years)  1.86%  $50,000.00   $50,000.00 
96 month (8 years) 1.96% $50,000.00 $50,000.00
108 month (9 years) 2.07% $50,000.00 $50,000.00
120 month (10 years) 2.12% $50,000.00 $50,000.00
       
*APY is Annual Percentage Yield      
       

New/Used Autos

Rates Effective as of March 1, 2016. Rates subject to change without notice.

Model Year Term
(As long as)
Fixed Rate
(As low as)
APR* Terms of Repayment

New/Used
2014-2016

72 Months 2.99% 3.39%

APR listed is based on loan amount of $15,000, at a rate of 2.99% resulting in 72 monthly payments of $227.86

New/Used
2012-2013 

72 Months  3.99%  4.40% 

 APR listed is based on loan amount of $15,000, at a rate of 3.99% resulting in 72 monthly payments of $234.64

New/Used
2010-2011 

60 Months  3.99%  4.47% 

APR listed is based on loan amount of $15,000, at a rate of 3.99% resulting in  60 monthly payments of $276.21

New/Used
2008-2009 

60 Months  4.99%  5.48% 

APR listed is based on loan amount of $15,000, at a rate of 4.99% resulting in 60 monthly payments of $283.04

         
 *APR= Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications, or loan-to-value. Please contact the Credit Union for additional rate and loan product information.

Motorcycles

Rates Effective as of March 1, 2016. Rates subject to change without notice.

Model Year Term
(As long as)
Fixed Rate
(As low as)
APR* Terms of Repayment

New/Used
2014-2016

72 Months 5.99% 6.41%

APR listed is based on loan amount of $15,000, at a rate of 5.99% resulting in 72 monthly payments of $248.58

New/Used
2009-2013 

72 Months  6.99%  7.41% 

APR listed is based on loan amount of $15,000, at a rate of 6.99% resulting in 72 monthly payments of $255.73

         
*APR= Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications, or loan-to-value. Please contact the Credit Union for additional rate and loan product information.

RVs, Boats and Travel Trailers

Rates Effective as of March 1, 2016. Rates subject to change without notice.

Amount Term
(As long as)
Fixed Rate
(As low as)
APR* Terms of Repayment
$25,000+ 180 Months 4.25% 4.31%

APR listed is based on loan amount of $50,000, at a rate of 4.25% resulting in 180 monthly payments of $376.25

$15,000-$24,999  144 Months  4.25%  4.38% 

APR listed is based on loan amount of $24,999, at a rate of 4.25% resulting in 144 monthly payments of $221.98

$10,000-$14,999  120 Months  5.25%  5.51% 

APR listed is based on loan amount of $14,999, at a rate of 5.25% resulting in 120 monthly payments of $160.97

         
*APR=Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications, or loan-to-value. Please contact the Credit Union for additional rate and loan product information.

Snowmobiles, Personal Watercraft, 4 Wheelers, Dirt Bike, Misc.

Rates Effective as of March 1, 2016. Rates subject to change without notice.

Model Year Term
(As long as)
Fixed Rate
(As low as)
APR* Terms of Repayment

New
2015-2016

60 Months 6.49% 7.23%

 APR listed is based on loan amount of $10,000, at a rate of 6.49% resulting in 60 monthly payments of $195.65

Used
2014-2015 

48 Months  7.49%  8.41% 

APR listed is based on loan amount of $10,000, at a rate of 7.49% resulting in 48 monthly payments of $241.78

Used
2009-2013 

48 Months  8.49%  9.41% 

APR listed is based on loan amount of $10,000, at a rate of 8.49% resulting in 48 monthly payments of $246.48

         
*APR=Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications, or loan-to-value. Please contact the Credit Union for additional rate and loan product information.  

Signature (Unsecured) Loans

Rates Effective as of March 1, 2016. Rates subject to change without notice.

Term APR*
(As low as)
Terms of Repayment
12 Months 8.49% 

A $1,000 loan at 8.49% APR will result in 12 monthly payments of $87.23

     
*APR= Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on term and individual credit qualifications. Please contact the Credit Union for additional rate and loan product information.

Visa

Rates Effective as of March 1, 2016. Rates subject to change without notice.

                                                               APR*
                                                          (As low as)

Visa® Rewards                                      10.40%
Visa® Platinum (non-rewards)                9.40%
Visa® Business Rewards                       10.40%

*APR=Annual Percentage Rate. All loans are subject to credit approval. The rates and APR may differ depending on individual credit qualifications. When using a Visa card outside the United States a foreign transaction fee of 1% of the amount of each transaction will apply. Please contact the Credit Union for additional rate and loan product information.