As of 5/4/2023
| Year | Term | APR* |
|---|---|---|
| 2016 or Older | 48 months or less | 7.99%- 16.49%** |
| 2017-2021 | 36 – 60 months | 6.99%-15.49%** |
| 2017 – 2021 | 72 months | 7.49%-15.99%** |
| 2022-2024 | 36 – 60 months or less | 6.74%-15.24%** |
| 2022-2024 | 72 – 84 months or less | 7.24%-15.74%** |
**with applied discounts
| Year | Term | APR* |
|---|---|---|
| 2023 & Newer | 61 – 72 months | .50%-16.00%** |
| 2023 & Newer | 49 – 60 months | 7.00%-15.50%** |
| 2023 & Newer | 48 months or less | 6.75%-15.25%** |
| 2022 & 2021 | 61 – 72 months | 7.50%-16.00%** |
| 2022 & 2021 | 49 – 60 months | 7.00%-15.75%** |
| 2020 & 2021 | 48 months or less | 6.75%-15.50%** |
| 2020 & Older | 49 – 60 months | 8.50%-17.00%** |
| 2020 & Older | 48 months or less | 8.25%-16.75%** |
**with applied discounts
| Year | Term | APR* |
|---|---|---|
| 2023 & Newer | 120 months | 8.00%-16.50%** |
| 2023 & Newer | 61 – 84 months | 7.00%-15.50%** |
| 2023 & Newer | 49 – 60 months | 6.50%-15.50%** |
| 2023 & Newer | 48 months | 6.00%-14.50%** |
| 2022 & 2021 | 61 – 72 months | 8.00%-16.50%** |
| 2022 & 2021 | 60 months | 7.00%-15.50%** |
| 2020 & Older | 49-60 months | 8.25%-16.75%** |
| 2020 & Older | 48-60 months | 8.25%-16.75%** |
**with applied discounts
| Type | Term | APR* |
|---|---|---|
| Signature | 60 months | 10.24% – 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
As of 12/01/2024
Calculated on an average daily balance paid quarterly
| Minimum Balance | APY*** |
|---|---|
| $5 – $499 | 0.15% |
| $500 – $14,999 | 0.25% |
| $15,000 & Above | 0.35% |
| Minimum Balance | 6 month | 12 month | 24 month | 36 month | 48 month |
|---|---|---|---|---|---|
| $1,000 - $50,000 | 3.75% APY*** | 3.50% APY*** | 3.25% APY*** | 3.00% APY*** | 2.75% APY*** |
| Over $50,000 | 4.25% APY*** | 4.00% APY*** | 3.75% APY*** | 3.50% APY*** | 3.25% APY*** |
| Minimum Balance | APY*** |
|---|---|
| $5 – $499 | 0.05% |
| $500 – $14,999 | 0.10% |
| $15,000 & Above | 0.15% |
| Balance | APY*** |
|---|---|
| $1,000 – $14,999 | 0.55% |
| $15,000 – $24,999 | 0.65% |
| $25,000 & Above | 0.85% |
(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.
