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Rates

Loan Rates | Deposit Rates

Vehicle Loans
Maximum Term (Months)243648607284
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Vehicle Loans Annual Percentage Rate (APR) as low as*
New vehicles 2023 and newer
(current model year or prior model year with fewer than 15,000 miles)
6.24% 6.24% 6.24% 6.24% 6.74% 6.99%
Used vehicles 2022 - 2019 6.49% 6.49% 6.49% 6.49% 6.99%  
Used vehicles 2018 - 2015 7.49% 7.49% 7.49% 7.49% 7.99%  
Used vehicles 2014 & Older 8.99% 8.99% 8.99%      
All tiers, all terms
.25% increase for loan amounts exceeding book value from 110% to 119%
.50% increase for loan amounts exceeding book value above 120%

Other Secured Loans
Maximum Term (Months)243648607284120
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Other Secured Loans
New Secured 7.24% 7.24% 7.24% 7.24% 7.49% 7.74% 8.24%
Used Secured 7.49% 7.49% 7.49% 7.49% 7.74% 7.99% 8.49%

Other Loans & Visa
NameTermAnnual Percentage Rate
Signature Loan Term Varies 11.24%
Line of Credit Term Varies 11.24%
Computer Loan Up to 24 Months 9.24%¹
All rates above are quoted with a .25% discount for automatic payment
Share or Certificate Secured Term Varies Dividend Plus Rate 3%
Visa Platinum Variable Rate 13.50% - 22.50%
Visa Platinum Rewards Variable Rate 16.50% - 24.50%
Visa Business Platinum Rewards Variable Rate 16.50% - 24.50%
credit card disclosure

Real Estate Loans
TermAnnual Percentage Rate
First Mortgage Up to 30 Years Rates available on MortgageClick, by phone at 740-597-2801 or use this Contact Form
Land Loans - Up to 95% LTV Up to 10 Years Rates available on MortgageClick, by phone at 740-597-2801 or use this Contact Form
Home Equity Loan - Up to 95% LTV Up to 10 Years Rates available on MortgageClick, by phone at 740-597-2801 or use this Contact Form
Home Equity Line of Credit (Up to 80% LTV) Interest Only 10 Year Draw/10 Year Repayment Prime - .50%, currenty 8.00%, Floor Rate 2.75%
Home Equity Line of Credit (Up to 80% LTV) 10 Year Draw/10 Year Repayment Prime + 0.00 , currently 8.50%, Floor Rate 4.00%
Home Equity Line of Credit (81-90% LTV) 10 Year Draw/10 Year Repayment Prime + 1.00%, currently 9.50%, Floor Rate 5.00%
Home Equity Line of Credit (91-95% LTV) 10 Year Draw/10 Year Repayment Prime + 2%*, currently 10.50%, Floor Rate 7.00%

Deposit Rates

Share Savings
Dividend RateAPYMinimum to Earn APYCompounding
Regular Savings ($5 to open) .05% .05% $0.00 Quarterly
Christmas Club .05% .05% $0.00 Quarterly
Vacation Club .05% .05% $0.00 Quarterly
IRA Passbook .10% .10% $0.00 Quarterly
Roth IRA Passbook .10% .10% $0.00 Quarterly
Coverdell Education Savings Account .10% .10% $0.00 Quarterly

Money Max Savings
Dividend RateAPYCompounding
$250,000+ 1.00% 1.00% Monthly
$100,000-$249,999 .85% .85% Monthly
$50,000-$99,999 .70% .70% Monthly
$0-$49,999 .50% .50% Monthly

IRA Money Max Savings
Dividend RateAPYCompounding
$250,000+ 1.05% 1.05% Monthly
$100,000-$249,999 .90% .90% Monthly
$50,000-$99,999 .75% .75% Monthly
$0-$49,999 .55% .55% Monthly

Checking
Dividend RateAPYMinimum to Earn APYCompounding
Free Checking None None None None
Dividend .10% .10% $500.00 Quarterly

Share, IRA, & Coverdell Certificates
Ask about our Jumbo Certificates starting at $25,000.
TermDividend RateAPYMinimum to Earn APYCompounding
12 month 3.94% 4.00% $500.00 Quarterly
24 month 3.455% 3.50% $500.00 Quarterly
36 month 2.97% 3.00% $500.00 Quarterly
48 month 2.97% 3.00% $500.00 Quarterly
60 month 2.97% 3.00% $500.00 Quarterly

Easy Save IRA Certificate***
Dividend RateAPYMinimum to Earn APYCompounding
12 month 4.18% 4.25% $0.00 Quarterly

Rates accurate as of: 12/11/23

APR = Annual Percentage Rate

*New vehicle rate is for the current model year or prior model year with fewer than 15,000 miles. Term of loan will depend on the age of the vehicle and the amount financed. For all vehicle rate tiers there is a .25% increase for loan amounts exceeding book value book value from 110% to 119% and a .50% increase for loan amounts exceeding book value above 120%. Subject to credit approval. All annual percentage rates and annual percentage yields subject to periodic change. Call us for further information on applicable fees and terms. Rates apply to new loans only. Rates are quoted as low as. Your actual rates and repayment terms will be based on your credit history. The minimum loan amount on an auto loan for 72 months is $20,000 and for 84 months $30,000.

Prime rate for the quarter beginning 1/1/24 is 8.50%

Home Equity: Home equity lines of credit have a variable annual percentage rate that can change quarterly based on prime rate. The maximum home equity lines of credit rate is 18%. If you make a payment 10 days or more after the due date, you may be charged 5% of the payment amount.

APY = Annual Percentage Yield. All rates subject to change. Call us for further information on applicable fees and terms. Penalty may be imposed for early withdrawal. Members' accounts in the credit union are insured by the National Credit Union Share Insurance Fund. Fees could reduce earnings.

*** One Easy Save Certificate per member, per tax year. Maximum deposit balance is $6,500 (if you qualify).

¹  For terms greater than 24 months, our current rate sheet would apply. Subject to credit approval. On a $1,000 loan for 24 months at 9.24% APR, your monthly payment would be $45.80. Other rates and terms available

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