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LOAN RATES

As of 11/29/2022

NEW & USED AUTOS

Year Term APR*
2015 or Older 48 months or less 8.74% – 17.99%**
2016 – 2020 36 – 60 months 6.24% – 16.74%**
2016 – 2020 72 months 6.99% – 17.49%**
2021 or Newer 36 – 60 months or less 5.74% – 16.24%**
2021 or Newer 72 – 84 months or less 5.99% – 16.74%**

**with applied discounts

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NEW & USED MOTORCYCLES & ATVs

Year Term APR*
2022 & Newer 61 – 72 months 6.75% – 16.75%**
2022 & Newer 49 – 60 months 6.50% – 16.50%**
2022 & Newer 48 months or less 6.25% – 16.25%**
2020 & 2021  61 – 72 months 7.00% – 17.00%**
2020 & 2021 49 – 60 months 6.75% – 16.75%**
2020 & 2021 48 months or less 6.50% – 16.50%**
2019 & Older 49 – 60 months 8.25% – 18.25%**
2019 & Older 48 months or less 8.00% – 18.00%**

**with applied discounts

RECREATIONAL VEHICLES, BOATS & WATER CRAFTS

Year Term APR*
2022 & Newer 120 months 7.24% – 17.24%**
2022 & Newer 61 – 84 months 6.24% – 16.24%**
2022 & Newer 49 – 60 months 5.74% – 15.74%**
2022 & Newer 48 months or less 5.24% – 15.24%**
2020 & 2021 61 – 72 months 7.24% – 17.24%**
2020 & 2021 60 months or less 6.24% – 16.24%**
2019 & Older 49 – 60 months 7.50% – 17.50%**
2019 & Older 48 months or less 7.24% – 17.24%**

**with applied discounts

OTHER LOANS

Type Term APR*
Signature  60 months 8.99% – 17.99%**
 Share Secured 60 months 5.00%**
CD Secured  60 months Rate + 2.50%
 VISA N/A 7.00% – 11.00%
**with applied discounts

SAVING/CHECKING RATES

As of 11/29/2022

Calculated on an average daily balance paid quarterly

REGULAR SHARE/SAVINGS

Minimum Balance APY***
$5 – $499 0.05%
$500 – $14,999 0.10%
$15,000 & Above 0.15%

SHARE/IRA CERTIFICATES

 Minimum Balance  6 month 12 month 24 month 36 month 48 month
 $1,000  1.00% APY*** 1.75% APY*** 2.35% APY*** N/A N/A
 $15,000 1.20% APY*** 2.00% APY*** 2.50% APY*** 2.75% APY*** 3.00% APY***
$50,000 1.30% APY*** 2.25% APY*** 2.75% APY*** 2.75% APY*** 3.00% APY***
$95,000 1.50% APY*** 2.50% APY*** 3.00% APY*** 2.75% APY*** 3.00% APY***
$95,001 & Above N/A N/A N/A 3.00% APY*** 3.25% APY***
*SPECIAL: 16 Months | $25,000 & Above | 2.65% APY*** (may end at any time)

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 0.35%
$15,000 – $24,999 0.45%
$25,000 & Above 0.55%

(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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