LOAN RATES

Loan Rates: As of 8/7/2018

 

NEW & USED AUTOS

Year Term APR*
2011 or Older 48 months or less 5.25% – 12.25%**
2012 – 2018 48 months or less 3.25% – 10.25%**
2012 – 2018 60 months or less 3.50% – 10.50%**
2014 or Newer 72 months or less 3.75% – 10.75%**
2015 or Newer 84 months or less 4.25% – 11.25%**

NEW & USED MOTORCYCLES & ATVs

Year Term APR*
2016 & Newer 61 – 72 months 4.75% – 11.75%**
2016 & Newer 49 – 60 months 4.50% – 11.50%**
2016 & Newer 48 months or less 4.25% – 11.25%**
2014 & 2015  61 – 72 months 5.00% – 12.00%**
2014 & 2015 49 – 60 months 4.75% – 11.75%**
2014 & 2015 48 months or less 4.50% – 11.50%**
2013 & Older 49 – 60 months 6.25% – 13.25%**
2013 & Older 48 months or less 6.00% – 13.00%**

RECREATIONAL VEHICLES, BOATS & WATER CRAFTS

Year Term APR*
2016 & Newer 120 months 6.00% – 13.00%**
2016 & Newer 61 – 84 months 5.25% – 12.25%**
2016 & Newer 49 – 60 months 5.00% – 12.00%**
2016 & Newer 48 months or less 4.50% – 11.50%**
2014 & 2015 61 – 72 months 5.25% – 12.25%**
2014 & 2015 60 months or less 5.00% – 12.00%**
2013 & Older 49 – 60 months 6.25% – 13.25%**
2013 & Older 48 months or less 5.75% – 12.75%**

OTHER LOANS

Type Term APR*
Signature  60 months 9.25% – 16.25%**
 Share Secured 60 months 5.00%**
CD Secured  60 months Rate + 2.50%
 VISA N/A 7.00% – 11.00%

***STORM SHELTER LOAN***

(Payment Examples)

Amount Term APR* Monthly Payment Bi-Weekly Payment
 $5,000 36 months 2.99% $146.00 $73.00
$4,000 36 months 2.99% $117.00 $58.50
$3,000 36 months 2.99% $88.00 $44.00

SAVINGS RATES

Loan Rates: As of 5/1/2018

Calculated on an average daily balance paid quarterly

 

REGULAR SHARE/SAVINGS

Minimum Balance APY***
$5 – $499 0.00%
$500 – $14,999 0.20%
$15,000 & Above 0.35%

SHARE/IRA CERTIFICATES

 Minimum Balance  6 month 12 month 24 month 36 month 48 month
 $1,000  1.03% APY*** 1.19% APY*** 1.90% APY*** N/A N/A
 $15,000 1.06% APY*** 1.21% APY*** 1.94% APY*** 1.76% APY*** 2.25% APY***
$50,000 1.08% APY*** 1.25% APY*** 1.98% APY*** 1.76% APY*** 2.25% APY***
$95,000 1.10% APY*** 1.30% APY*** 2.00% APY*** 1.76% APY*** 2.25% APY***
$95,001 & Above N/A N/A N/A 2.70% APY*** 2.35% APY***

MONEY MARKET CHECKING ACCOUNT

 Balance APY**
 $1,000 – $14,999 0.30%
$15,000 – $24,999 0.45%
$25,000 & Above 0.50%

(Maintain a $1,000 balance to avoid $25.00 monthly fee. Accounts receive three free checks per month. Each additional check is $2.00)

 Christmas Club Account APY***
 $5.oo & Above 0.35%
*APR – Annual Percentage Rate
**With applied discounts. Contact your Loan Officer for full details.
***APY – Annual Percentage Yield
*** *** – Denotes current storm shelter promotion. APR – Annual Percentage Rate. APR is determined by individual credit history. Rates as low as 2.99% APR with discounts applied. Some restrictions apply. Other rates and terms available. Member must be a homeowner and provide a contract, invoice, or the credit union will make the check payable to the company installing the storm shelter. The maximum loan amount is $5,000.00. Federally insured by NCUA.