LOAN RATES

Loan Rates: As of 10/02/2018

NEW & USED AUTOS

Year	Term	APR*
2012 or Older	48 months or less	5.25% – 12.25%**
2013 – 2019	48 months or less	3.25% – 10.25%**
2013 – 2019	60 months or less	3.50% – 10.50%**
2015 or Newer	72 months or less	3.75% – 10.75%**
2016 or Newer	84 months or less	4.25% – 11.25%**

Family has fun while doing online banking on their couch

NEW & USED MOTORCYCLES & ATVs

Year	Term	APR*
2017 & Newer	61 – 72 months	4.75% – 11.75%**
2017 & Newer	49 – 60 months	4.50% – 11.50%**
2017 & Newer	48 months or less	4.25% – 11.25%**
2015 & 2016	61 – 72 months	5.00% – 12.00%**
2015 & 2016	49 – 60 months	4.75% – 11.75%**
2015 & 2016	48 months or less	4.50% – 11.50%**
2014 & Older	49 – 60 months	6.25% – 13.25%**
2014 & Older	48 months or less	6.00% – 13.00%**

RECREATIONAL VEHICLES, BOATS & WATER CRAFTS

Year	Term	APR*
2017 & Newer	120 months	6.25% – 13.25%**
2017 & Newer	61 – 84 months	5.50% – 12.50%**
2017 & Newer	49 – 60 months	5.25% – 12.25%**
2017 & Newer	48 months or less	4.75% – 11.75%**
2015 & 2016	61 – 72 months	5.50% – 12.50%**
2015 & 2016	60 months or less	5.25% – 12.25%**
2014 & Older	49 – 60 months	6.50% – 13.50%**
2014 & Older	48 months or less	6.00% – 13.00%**

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%

SAVING/CHECKING RATES

Loan Rates: As of 10/02/2018

Calculated on an average daily balance paid quarterly

REGULAR SHARE/SAVINGS

Minimum Balance	APY***
$5 – $499	0.00%
$500 – $14,999	0.30%
$15,000 & Above	0.45%

SHARE/IRA CERTIFICATES

Minimum Balance	6 month	12 month	24 month	36 month	48 month
$1,000	1.28% APY***	1.89% APY***	1.99% APY***	N/A	N/A
$15,000	1.34% APY***	1.95% APY***	2.05% APY***	2.34% APY***	2.60% APY***
$50,000	1.40% APY***	2.01% APY***	2.11% APY***	2.34% APY***	2.60% APY***
$95,000	1.46% APY***	2.07% APY***	2.17% APY***	2.34% APY***	2.60% APY***
$95,001 & Above	N/A	N/A	N/A	2.40% APY***	2.66% APY***

KASASA

Kasasa Account	Reward
Kasasa Cash	2.50% APY***
Kasasa Cash Back	2.00% Cash Back
Kasasa Saver	0.75% 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.

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