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LOAN RATES

Loan Rates: As of 12/01/2018

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%**
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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 12/01/2018

Calculated on an average daily balance paid quarterly

REGULAR SHARE/SAVINGS

Minimum Balance APY***
$5 – $499 0.10%
$500 – $14,999 0.40%
$15,000 & Above 0.55%

SHARE/IRA CERTIFICATES

 Minimum Balance  6 month 12 month 24 month 36 month 48 month
 $1,000  1.58% APY*** 2.19% APY*** 2.29% APY*** N/A N/A
 $15,000 1.64% APY*** 2.25% APY*** 2.35% APY*** 2.64% APY*** 2.90% APY***
$50,000 1.70% APY*** 2.31% APY*** 2.41% APY*** 2.64% APY*** 2.90% APY***
$95,000 1.76% APY*** 2.37% APY*** 2.47% APY*** 2.64% APY*** 2.90% APY***
$95,001 & Above N/A N/A N/A 2.70% APY*** 2.96% 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 0.40%
$15,000 – $24,999 0.55%
$25,000 & Above 0.60%

(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%

(Dividends paid monthly based on average daily balance.)

 Dividend Checking Account APY***
 $300.oo & Above 0.15%

(Maintain a $300 balance to avoid a $5.00 monthly fee. Dividends paid monthly based on average daily balance.)

 Dividend Checking Account APY***
 No Minimum Balance 0.15%

(Dividends paid monthly based on average daily balance.)

*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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