Loan and Membership Rates

Loan Rates

Effective September 24, 2013

Products Term as low as range
New Auto Up to 72 months* 1.99%* 1.99% - 17.95%
Used Auto Up to 72 months* 2.25%* 2.25% - 17.95%
Collateral Loan Up to 72 months* 3.25%* 3.25% - 17.95%
Signature Loan Up to 48 months* 6.95%* 6.95% - 17.95%
Money Line Checking Revolving 15.99%*  
Visa Platinum Level 2 Credit Card Revolving 13.90%*  
Visa Platinum Level 1 Credit Card Revolving 9.90%*  
Mortgage 5 yr Balloon/Up to 30 Years 5.00%* 5.00% - 6.50%
APR is Annual Percentage Rate. APY is Annual Percentage Yield.Terms are dependent upon amount financed. FIXED RATES for *asterisked* loan categories represent the lowest rate available to qualified borrowers. Rates are based on the member's credit history. A range of all rates is listed. 100% financing and 72 month term available for vehicle loans of $25,000 or more to qualified borrowers. 100% financing and 60 month term available for motorcycle loans of $15,000 or more to qualified borrowers.

Deposit Rates

Effective FEBRuARY 6th, 2014

Account Name Amount APY*
Prime Share Saving Account $5.00 - $1,000 0.00%
  $1,000.01 - $5,000 0.02%
  $5,000.01 - $10,000 0.05%
  $10,000.01 - up 0.05%
Money Market Account $2,500 - $20,000 0.05%
  $20,000.01 - $50,000 0.10%
  $50,000.01 - $75,000 0.15%
  $75,000.01 - up 0.15%
Vacation Club Account Minimum Deposit - $0.00 Same as the Prime Share Account
Christmas Club Account Minimum Deposit - $0.00 Same as the Prime Share Account
Kids Club Account Minimum Deposit - $0.00 0.10%
Share Pledge Account Minimum Deposit - $0.00 Same as the Prime Share Account
IRA Shared Savings Account Minimum Deposit - $0.00 0.20%
*APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are based on the Credit Union's earnings at the end of the dividend period and therefore cannot be guaranteed. Contact a Credit Union employee about applicable fees and terms.

Certificate Rates

Effective MaRCH 6, 2014

Tiered Balance Yield
Terms APY APR BONUS APY *BONUS* APR **JUMBO RATE**
6 months 0.10% 0.10% 0.20% 0.20% APY APR
12 months 0.20% 0.20% 0.30% 0.30% 0.30% 0.30%
18 months 0.25% 0.25% 0.35% 0.35% 0.35% 0.35%
24 months 0.50% 0.50% 0.60% 0.60% 0.60% 0.60%
36 months 0.75% 0.75% 0.85% 0.85% 0.85% 0.85%
48 months 1.01% 1.00% 1.11% 1.10% 1.11% 1.10%
60 months 1.41% 1.40% 1.51% 1.50% 1.51% 1.50%
APR is Annual Percentage Rate. APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise requested, dividends will be credited to your certificate either quarterly or at maturity based on the certificate term. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. *Qualifications to receive the bonus rate: three or more services - checking, visa, certificate, loan, direct deposit, payroll decution, ATM/Debit Card, prime share $2,500 or more, or an aggregate of $25,000 or more, and GAC - Golden Age Club Member over 55 years old.

**JUMBO RATES = $90,000.00 IN ONE CERTIFICATE Rates subject to change.