Home > Rates

Rates

Loan Rates | Deposit Rates

Vehicle Loans
Maximum Term (Months)243648607284120
Apply Online
Vehicle Loans APR as low as
New vehicles 2017 and newer
(current model year or prior model year with fewer than 15,000 miles)
2.99% 2.99% 2.99% 3.24% 3.49% 3.99%  
Used vehicles 2016 - 2013 2.99% 2.99% 3.24% 3.49% 3.74%    
Used vehicles 2012 - 2009 4.24% 4.24% 4.24% 4.49% 4.74%    
Used vehicles 2008 & Older 6.49% 6.74% 7.24%        
All tiers, all terms
.25% increase for loan amounts exceeding book value by $2,500 to $4,999
.50% increase for loan amounts exceeding book value by $5,000 or more

Other Secured Loans
Maximum Term (Months)243648607284120
Apply Online
Other Secured Loans
New Secured 3.49% 3.49% 3.49% 3.49% 3.49% 4.50% 4.99%
Used Secured 3.74% 3.74% 3.74% 3.74% 3.74% 4.99%  

Other Loans & Visa
NameTermAPR
Signature Loan Term Varies 10.99%
Line of Credit Term Varies 10.99%
Computer Loan Up to 24 Months 6.99%
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 8.00% - 20.00%
Visa Platinum Rewards Variable Rate 10.00% - 20.00%
Visa Business Platinum Rewards Variable Rate 10.00% - 20.00%

Real Estate Loans
TermAPR
First Mortgage Up to 30 Years Rates available on MortgageClick
Land Loans (Up to 80% LTV) 60 Months 4.74%
  84 Months 4.99%
  120 Months 5.24%
  180 Months 5.49%
Land Loans (81-90% LTV) 60 Months 5.74%
  84 Months 5.99%
  120 Months 6.24%
Land Loans (91-95%LTV) 60 Months 7.49%
  84 Months 7.99%
  120 Months 8.24%
Home Equity Loan (Up to 80% LTV) 60 Months 4.49%
  84 Months 4.74%
  120 Months 4.99%
  180 Months 5.49%
Home Equity Loan (81-90% LTV) 60 Months 5.74%
  84 Months 5.99%
  120 Months 6.24%
Home Equity Loan (91-95% LTV) 60 Months 7.49%
  84 Months 7.74%
  120 Months 7.99%
Home Equity Line of Credit (Up to 80% LTV) Interest Only 10 Year Draw/10 Year Repayment Prime -.50%, currently 4.75%, Floor Rate 2.75%
Home Equity Line of Credit (Up to 80% LTV) 10 Year Draw/10 Year Repayment Prime + 0%, currently 5.25%, Floor Rate 4%
Home Equity Line of Credit (81-90% LTV) 10 Year Draw/10 Year Repayment Prime + 1%, currently 6.25%, Floor Rate 5%
Home Equity Line of Credit (91-95% LTV) 10 Year Draw/10 Year Repayment Prime + 2%, currently 7.25%, Floor Rate 7%

Deposit Rates

Share Savings
Dividend RateAPYMinimum to Earn APYCompounding
Regular Savings ($10 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+ 1.19% 1.20% Monthly
$100,000-$249,999 .75% .75% Monthly
$50,000-$99,999 .60% .60% Monthly
$0-$49,999 .55% .55% Monthly

IRA Money Max Savings
Dividend RateAPYCompounding
$250,000+ 1.24% 1.25% Monthly
$100,000-$249,999 .80% .80% Monthly
$50,000-$99,999 .65% .65% Monthly
$0-$49,999 .60% .60% 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
Special 21 mo 1.39% 1.40% $500.00 Quarterly
Special 52 mo 3.02% 3.05% $500.00 Quarterly
3-5 month .05% .05% $500.00 Quarterly
6-11 month .45% .45% $500.00 Quarterly
12-17 month .75% .75% $500.00 Quarterly
18-23 month .90% .90% $500.00 Quarterly
24-29 month 1.24% 1.25% $500.00 Quarterly
30-35 month 1.34% 1.35% $500.00 Quarterly
36-47 month 1.49% 1.50% $500.00 Quarterly
48-59 month 1.79% 1.80% $500.00 Quarterly
60+ month 2.18% 2.20% $500.00 Quarterly

Easy Save IRA Certificate**
Dividend RateAPYMinimum to Earn APYCompounding
12 month 1.00% 1.00% $0.00 Quarterly

Rates accurate as of: 12/1/18

*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 by $2,500 to $4,999 and a .50% increase for loan amounts exceeding $5,000 or more.

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 as of 10/1/18 was 5.25%

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.

** One Easy Save Certificate per member, per tax year. Maximum deposit balance is $6,000 (if you qualify).

 

Go to main navigation