Rates

Consumer Loan Rates

Auto Loans Rates

Credit Score Platinum
750 - Above
Premier
700-749
Valued
650-699
Builder
600-649
Rebuilder
599-Under
2016-2022
Up To 36 Months 5.00% 5.50% 7.50% 10.50% 14.50%
48 Months 5.25% 5.75% 7.75% 10.75% 14.75%
60 Months 5.50% 6.00% 8.00% 11.00% 15.00%
72 Months (over $20,000) 6.50% 7.00% 9.00% 12.00% 16.00%
84 Months (over $30,000) 7.50% 8.00% 10.00% 13.00% 17.00%
2010-2015
Up To 36 Months 7.00% 7.50% 9.50% 12.50% 16.50%
48 Months 7.50% 8.00% 10.00% 13.00% 17.00%
60 Months 8.00% 8.50% 10.50% 13.50% 17.50%
2009 and older (80% loan to value)
Up To 36 Months 8.75% 9.25% 11.25% 14.25% 18.25%

*Vehicles over 15 years old will have an unsecured rate.
**Newer vehicles over 100,000 miles with high retail value may qualify for regular rate.

 

Recreational Vehicles

Platinum Premier Valued Builder Rebuilder
36 Months: 5.00% 5.50% 7.50% 10.50% 14.50%
48 Months: 5.50% 6.00% 8.00% 11.00% 15.00%
60 Months: 6.00% 6.50% 8.50% 11.50% 15.50%
72 Months: $20,000+ 7.25% 7.75% 9.75% 12.75% 16.75%

Mortgages


Platinum Premier Valued
Fixed rate/5 yr balloon
5.50% 5.75% 6.25%
80% appraisal or 100% assessed
Fixed Rates Platinum Premier Valued
10 Years 6.25% 6.50% 7.00%
15 Years 6.50% 6.75% 7.25%

 

Construction

Construction-Real Estate Platinum Premier
80% appraisal 7.25% 7.75%

HELOC

Fixed 6.75% 7.00%
Variable Prime Rate + 0.50% 1.00%

 Personal

Platinum Premier Valued Builder Rebuilder
12 months 10.00% 10.50% 12.50% 15.50% 18.00%
24 months 11.00% 11.50% 13.50% 15.50% 18.00%
36 months 12.00% 12.50% 14.50% 15.50% 18.00%

Overdraft Line of Credit

Platinum Premier Valued Builder Rebuilder
36 months 9.75% 10.00% 12.00% 15.00% 18.00%

Other Secured

Platinum Premier Valued Builder Rebuilder
Up To 36 Months 5.50% 6.00% 8.00% 11.00% 18.00%
48 Months 6.00% 6.50% 8.50% 11.50% 18.00%
60 Months 6.50% 7.00% 9.00% 12.00% 18.00%
72 Months $25,000 + 7.75% 8.25% 10.25% 13.25% 18.00%
 

Shared Certificates Rates

Effective as of November 15, 2022

Certificates

Rate APY*
3 Months 0.75% 0.75%
6 Month 1.25% 1.25%
12 Month 1.50% 1.51%
18 Month 1.75% 1.76%
24 Month 2.00% 2.01%

$250.00 Minimum - 18 years of age and younger
$500.00 Minimum - 19 years of age and older
*APY* - Annual Percentage Yield

Flexible Certificates

Rate APY*
0.50% 0.50%

$100.00 Minimum - 12 month term
*APY* - Annual Percentage Yield

Allowance Certificates

Rate APY*
0.50% 0.50%

$25.00 minimum 12 month term for members 18 year of age and younger
*APY* - Annual Percentage Yield

Please contact a credit union employee for further information on applicable fees and terms.

Share Rates

Declared October 20, 2022

Dividend Rates

Share Savings

Rate APY* Limits
0.10% 0.10% $25.00 and over

Maximum contribution of $250.00 per month
Declared September 21, 2022
*APY* - Annual Percentage Yield

Share Draft

Rate APY* Limits
0.05% 0.05% Average daily balance over $100.00

Maximum contribution of $250.00 per month
Declared October 20, 2022
*APY* - Annual Percentage Yield

Money Market Savings

Rate APY* Limits
0.10% 0.10% $2,500 and over

Maximum contribution of $250.00 per month
Declared October 20, 2022
*APY* - Annual Percentage Yield

Share IRAs

Rate APY* Limits
0.40% 0.40% $25.00 and over

Maximum contribution of $250.00 per month
Declared October 20, 2022
*APY* - Annual Percentage Yield

Christmas Club Shares

Rate APY*
0.20% 0.20%

Maximum contribution of $250.00 per month
Declared October 20 ,2022
*APY* - Annual Percentage Yield