Current Rates
Rates are effective as of 05/08/2008 and are subject to change without notice.
Loan Payment Estimator | Savings & Investment Calculator
Savings | Share Certificates | IRAs
Secured & Signature Loans | MasterCard | New Car Loans | Used Car Loans | Boat/RV/Motorcycle Loans | Home Equity Loans
All accounts are federally insured to $100,000 by the National Credit Union Administration, an agency of the U.S. Government.
Savings and Investment Services
(APY=Annual Percentage Yield)
| Deposit Accounts |
| Account |
Suffix |
Minimum |
Rate |
APY |
| Shares |
0 |
$5 |
0.40% |
0.40% |
| Checking |
9 |
$0 |
---- |
---- |
| Money Market |
3 |
$0 - $1,999.99 |
0.40% |
0.40% |
| Money Market |
3 |
$2,000.00 - $39,999.99 |
1.75% |
1.76% |
| Money Market |
3 |
$40,000.00 and up |
2.00% |
2.02% |
| Holiday Club |
5 |
$0 |
0.40% |
0.40% |
| Summer Savings |
6 |
$0 |
0.40% |
0.40% |
| Share Certificates (CDs) |
| Term |
Minimum |
Rate |
APY |
| 91 Days |
$500 |
1.98% |
2.00% |
| 6 month |
$500 |
2.23% |
2.25% |
| 1 Year |
$500 |
2.47% |
2.50% |
| 2 Year |
$500 |
2.72% |
2.75% |
| 3 Year |
$500 |
2.96% |
3.00% |
| 5 Year |
$500 |
3.20% |
3.25% |
| |
| Individual Retirement Accounts |
| Term |
Minimum |
Rate |
APY |
| IRA Accumulation |
$500 |
2.50% |
2.53% |
| 1 Year IRA Certificate |
$500 |
2.47% |
2.50% |
| 2 Year IRA Certificate |
$500 |
2.72% |
2.75% |
| 3 Year IRA Certificate |
$500 |
2.96% |
3.00% |
| 5 Year IRA Certificate |
$500 |
3.20% |
3.25% |
Loan Services
APR-Annual Percentage Rate
|
| Loan Type |
Term |
APR |
| Certificate Secured Loan |
Up to 60 months |
3% over share/certificate rate
(Max. $100,000) |
| Share Secured Loan |
Up to 24 months |
3% over share/certificate rate
(Max. $100,000) |
| Signature Fixed Loan |
Up to 60 months |
13.2% (Max $15,000) |
| Signature Line of Credit |
Revolving |
13.2% (Max $15,000) |
Preferred Signature
Line of Credit |
Revolving |
9.2% ( Max $20,000) |
| MasterCard Classic |
Revolving |
13.2%* (Max $10,000) |
| MasterCard Gold |
Revolving |
10.9%* (Max $20,000) |
| MasterCard Platinum |
Revolving |
8.9%* (Max $30,000) |
| MasterCard Secured |
Revolving |
9% (Max $10,000) |
Vehicle Loans
|
| New Car Loans |
| Term |
APR |
| Up to 36 months |
As low as *5.00% |
| 48 - 60 months |
As low as *5.25% |
| 61-72 months ($20,000.00 Min.) |
As low as *5.50% |
| * Credit criteria applies. |
Used Car Loans
Financing based on 100% of NADA Values. |
| Model Year |
Term |
APR |
| Current Model Year & 3 Years Old Model |
60 months |
As low as *5.75% |
| 4-5 Year Old Model |
48 months |
As low as *5.75% |
| 6-7 Year Old Model |
36 months |
As low as *5.75% |
| * Credit criteria applies. |
|
| Other Vehicles |
| Loan Type |
Term |
Rate |
| New Motorcycle (Min $5,000/Max $30,000) |
Up to 84 months |
As low as *6.50% |
| New Boat 100% (Max $100,000) |
Up to 120 months |
As low as *6.50% |
| New Camping Trailer or Motor Home (Up to $100,000.00) |
Up to 120 months |
As low as *6.50% |
| * Credit criteria applies. |
Real Estate Secured Loans
| Fixed Rate Home Equity Loan |
| Loan to Value/Term |
Fixed Rate |
| Up to 80% LTV (Term 15 Years/Max $150,000) |
7.25% |
| 81%-90% LTV (Term 15 Years/Max $150,000) |
8.25% |
| 91% to 100% LTV (Term 15 Years/Max $150,000) |
9.25% |
| * Credit criteria applies. |
| $uperior $econd |
| Loan to Value 90%/Term |
Fixed Rate |
| 5 Year (Min. $20,000/Max. $50,000) |
6.25% |
| 6 Year (Min. $25,000/Max. $60,000) |
6.50% |
| 7 Year (Min. $30,000/Max. $70,000) |
6.75% |
| 8 Year (Min. $35,000/Max. $80,000) |
7.00% |
| * Credit criteria applies. |
| Home Equity Line of Credit |
| Loan to Value/Term |
Variable Rate |
| Up To 80% LTV(Term 20 Years/Max $150,000.00) |
5.25% |
| 81%-90% LTV(Term 20 Years/Max $150,000.00) |
6.75% |
| * Credit criteria applies. |
Minimum account balances are as follows: Savings - $5.00, Money Market - $2,000, Share Certificates - $500 (excluding special offers), IRAs: $500 for Accumulation account, $500 for 1 Year term, 2 Year Term, 3 Year Term and 5 Year Term.
Rates listed are subject to change without notice. Transaction Limits: $500 withdrawal minimum on Money Market. Early withdrawals on Certificates are subject to penalty. Fees could reduce the earnings on the account.
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