Rates
Consumer Loan Rates
Credit Score |
Platinum
750 - Above |
Premier
700-749 |
Valued
650-699 |
Builder
600-649 |
Rebuilder
599-Under |
2016-2022 |
Up To 36 Months |
6.00% |
6.50% |
8.50% |
11.50% |
15.50% |
48 Months |
6.25% |
6.75% |
8.75% |
11.75% |
15.75% |
60 Months |
6.50% |
7.00% |
9.00% |
12.00% |
16.00% |
72 Months (over $20,000) |
7.50% |
8.00% |
10.00% |
13.00% |
17.00% |
84 Months (over $30,000) |
8.50% |
9.00% |
11.00% |
14.00% |
18.00% |
2010-2015 |
Up To 36 Months |
8.00% |
8.50% |
10.50% |
13.50% |
17.50% |
48 Months |
8.50% |
9.00% |
11.00% |
14.00% |
18.00% |
60 Months |
9.00% |
9.50% |
11.50% |
14.50% |
18.00% |
2009 and older (80% loan to value) |
Up To 36 Months |
9.75% |
10.25% |
12.25% |
15.25% |
18.00% |
*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.
|
Platinum |
Premier |
Valued |
Builder |
Rebuilder |
36 Months: |
6.00%% |
6.50% |
8.50% |
11.50% |
15.50% |
48 Months: |
6.50% |
7.00% |
9.00% |
12.00% |
16.00% |
60 Months: |
7.00% |
7.50% |
9.50% |
12.50% |
16.50% |
72 Months: $20,000+ |
8.25% |
8.75% |
10.75% |
13.75% |
17.75% |
|
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% |
Fixed |
6.75% |
7.00% |
Variable Prime Rate + |
0.50% |
1.00% |
Personal
|
Platinum |
Premier |
Valued |
Builder |
Rebuilder |
12 months |
10.50% |
11.00% |
13.00% |
15.50% |
18.00% |
24 months |
11.50% |
12.00% |
14.00% |
15.50% |
18.00% |
36 months |
12.50% |
13.00% |
15.00% |
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 |
6.50% |
7.00% |
9.00% |
12.00% |
18.00% |
48 Months |
7.00% |
7.50% |
9.50% |
12.50% |
18.00% |
60 Months |
7.50% |
8.00% |
10.00% |
13.00% |
18.00% |
72 Months $25,000 + |
8.75% |
9.25% |
11.25% |
14.25% |
18.00% |
Shared Certificates Rates
Effective as of February 20, 2024
Certificates
|
Rate |
APY* |
3 Months |
1.00% |
1.00% |
6 Month |
1.50% |
1.51% |
12 Month |
2.00% |
2.01% |
18 Month |
2.25% |
2.27% |
24 Month |
2.50% |
2.52% |
$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* |
|
1.00% |
1.00% |
$100.00 Minimum - 12 month term
*APY* - Annual Percentage Yield
Please contact a credit union employee for further information on applicable fees and terms.
Share Rates
Declared January 9, 2024
Dividend Rates
Share Savings
Rate |
APY* |
Limits |
.50% |
.50% |
$25.00 and over |
Maximum contribution of $250.00 per month
Declared January 9, 2024
*APY* - Annual Percentage Yield
Share Draft
Rate |
APY* |
Limits |
0.10% |
0.10% |
Average daily balance over $100.00 |
Maximum contribution of $250.00 per month
Declared January 9, 2024
*APY* - Annual Percentage Yield
Money Market Savings
Rate |
APY* |
Limits |
.50% |
.50% |
$2,500 and over |
Maximum contribution of $250.00 per month
Declared January 9, 2024
*APY* - Annual Percentage Yield
Share IRAs
Rate |
APY* |
Limits |
1.00% |
1.00% |
$25.00 and over |
Maximum contribution of $250.00 per month
Declared January 9, 2024
*APY* - Annual Percentage Yield
Christmas Club Shares
Rate |
APY* |
|
.75% |
.75% |
|
Maximum contribution of $250.00 per month
Declared January 9,2024
*APY* - Annual Percentage Yield