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 February 1, 2020. 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  0.40% $0.00  $2,000.00
 $10,000 to $24,999.99  0.45% $0.00  $10,000.00
 $25,000 to $49,999.99  0.50% $0.00  $25,000.00
 $50,000 to $99,999.99  0.60% $0.00   $50,000.00
 $100,000.00 to $249,999.99  0.70% $0.00  $100,000.00
$250,000.00 to $499,999.99 0.75% $0.00 $250,000.00
$500,000.00 & over 0.80% $0.00 $500,000.00
 Business Money Market Plus+      
 $2,000 to $9,999.99  0.40%  $0.00  $2,000.00
 $10,000 to $ 24,999.99  0.45%  $0.00  $10,000.00
 $25,000 to $49,999.99  0.50%  $0.00  $25,000.00
 $50,000 to $99,999.99  0.60%  $0.00  $50,000.00
$100,000.00 to $249,999.99  0.70%  $0.00  $100,000.00
$250,000.00 to $499,999.99 0.75% $0.00 $250,000.00
$500,000.00 & over 0.80% $0.00 $500,000.00
 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 February 1, 2020. 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 We may impose a penalty if funds are withdrawn before the maturity date.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 0.15% $500.00 $500.00
 6 month  0.40%  $500.00  $500.00 
 9 month

1.65% 

 $500.00  $500.00 
12 month  1.55%  $500.00  $500.00 
18 month  1.60%  $500.00  $500.00 
21 month  1.65%  $500.00  $500.00 
24 month  1.70%  $500.00  $500.00 
30 month  1.75%  $500.00  $500.00 
36 month  1.80%  $500.00  $500.00 
40 month  1.85%  $500.00  $500.00 
48 month  1.90%  $500.00  $500.00 
59 month  2.00%  $500.00  $500.00 
60 month  1.95%  $500.00  $500.00 
72 month  2.05%  $500.00  $500.00 
84 month (7 years) 2.10% $500.00  $500.00 
96 month (8 years) 2.15% $500.00  $500.00 
108 month (9 years) 2.20% $500.00  $500.00 
120 month (10 years) 2.25% $500.00  $500.00 
       
 *APY is Annual Percentage Yield      

 

Jumbo Term Share Certificates

Rates Effective as of February 1, 2020.  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 1.75% $50,000.00 $50,000.00
30 month 1.85% $50,000.00 $50,000.00
36 month 1.80% $50,000.00 $50,000.00
48 month 1.95% $50,000.00 $50,000.00
60 month 2.00% $50,000.00 $50,000.00
72 month 2.10% $50,000.00 $50,000.00
84 month (7 years)  2.15%  $50,000.00   $50,000.00 
96 month (8 years) 2.20% $50,000.00 $50,000.00
108 month (9 years) 2.25% $50,000.00 $50,000.00
120 month (10 years) 2.30% $50,000.00 $50,000.00
       
*APY is Annual Percentage Yield      
       

 

Youth Share Certificates

Term Age APY* Minimum amount to Open Account Minimum Balance to Earn Dividends
12 Months  0 2.00% $100.00 $100.00 
12 Months  1 2.10% $100.00 $100.00 
12 Months  2 2.20% $100.00 $100.00 
12 Months  3 2.30% $100.00 $100.00 
12 Months  4 2.40% $100.00 $100.00 
12 Months  5 2.50% $100.00 $100.00 
12 Months  6 2.60% $100.00 $100.00 
12 Months  7 2.70% $100.00 $100.00
12 Months  8 2.80% $100.00 $100.00
12 Months  9 2.90% $100.00 $100.00
12 Months  10 3.00% $100.00 $100.00
12 Months  11 3.10% $100.00 $100.00
12 Months  12 3.20% $100.00 $100.00
12 Months  13 3.30% $500.00 $500.00
12 Months  14 3.40% $500.00 $500.00
12 Months  15 3.50% $500.00 $500.00
12 Months  16 3.60% $500.00 $500.00
12 Months  17 3.70% $500.00 $500.00
12 Months  18 3.80% $500.00 $500.00
12 Months  19 3.90% $500.00 $500.00

 

*APY is Annual Percentage Yield

New/Used Autos

Rates Effective as of November 1, 2019. Rates subject to change without notice.

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

New/Used
2020-2018

 72 Months 4.25% 4.70%

APR listed is based on loan amount of $15,000, at a rate of 4.25% resulting in 72 monthly payments of $236.40.

Used
2017-2016 

 72 Months  4.25%  4.70% 

 APR listed is based on loan amount of $15,000, at a rate of 4.25% resulting in 72 monthly payments of $236.40.

Used
2015-2014

 60 Months  5.25%  5.78% 

APR listed is based on loan amount of $15,000, at a rate of 5.25% resulting in 60 monthly payments of $284.80.

Used
2013-2012 

 60 Months  5.25%  5.78% 

APR listed is based on loan amount of $15,000, at a rate of 5.25% resulting in 60 monthly payments of $284.80.
         
 *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 November 1, 2019. Rates subject to change without notice.

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

New/Used
2020-2017

 72 Months 6.25% 6.71%

APR listed is based on loan amount of $15,000, at a rate of 6.25% resulting in 72 monthly payments of $250.38.

Used
2016-2012

 72 Months  7.25%  7.71% 

APR listed is based on loan amount of $15,000, at a rate of 7.25% resulting in 72 monthly payments of $257.56.
         
*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, Campers, Motorhomes & Travel Trailers

Rates Effective as of November 1, 2019. Rates subject to change without notice.

Amount Term
(As long as)		 Fixed Rate
(As low as)		 APR* Terms of Repayment
$25,000+ 180 Months 5.25% 5.31%

APR listed is based on loan amount of $50,000, at a rate of 5.25% resulting in 180 monthly payments of $402.01.
$15,000-$24,999  144 Months  5.25%  5.39% 

APR listed is based on loan amount of $24,999, at a rate of 5.25% resulting in 144 monthly payments of $234.39.
$10,000-$14,999 120 Months  6.25%  6.54% 

APR listed is based on loan amount of $14,999, at a rate of 6.25% resulting in 120 monthly payments of $168.44.
         
*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.

Boats

Rates Effective as of November 1, 2019. Rates subject to change without notice.

Amount Term
(As long as)		 Fixed Rate
(As low as)		 APR* Terms of Repayment
$25,000+ 180 Months 5.25% 5.31%

APR listed is based on loan amount of $50,000, at a rate of 5.25% resulting in 180 monthly payments of $402.01.
$15,000-$24,999  144 Months  5.25%  5.39% 

APR listed is based on loan amount of $24,999, at a rate of 5.25% resulting in 144 monthly payments of $234.39.
$10,000-$14,999 120 Months  6.25%  6.54% 

APR listed is based on loan amount of $14,999, at a rate of 6.25% resulting in 120 monthly payments of $168.44.
         
*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 November 1, 2019. Rates subject to change without notice.

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

New

2020-2019

 60 Months 8.25% 9.08%

 APR listed is based on loan amount of $10,000, at a rate of 8.25% resulting in 60 monthly payments of $203.97.

Used
2019-2017

 48 Months  9.25%  10.27% 

APR listed is based on loan amount of $10,000, at a rate of 9.25% resulting in 48 monthly payments of $250.04.

Used
2016-2012 

 48 Months  10.25%  11.27% 

APR listed is based on loan amount of $10,000, at a rate of 10.25% resulting in 48 monthly payments of $254.83.
         
*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.  

Personal Loans

Rates Effective as of November 1, 2019. Rates subject to change without notice.

Term APR*
(As low as)		 Terms of Repayment
12 Months 7.25% 

A $1,000 loan at 7.25% APR will result in 12 monthly payments of $86.64.
     
*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 November 1, 2019. Rates subject to change without notice.

                                                               APR* (As low as)
Visa® Rewards                                       11.65%
Visa® Platinum (non-rewards)              10.65%
Visa® Business Rewards                       11.65%

*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.