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 |
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.
|
|
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% |
|
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 |
10.00% |
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