Rates

Consumer Loan Rates

Auto Loans Rates

2019-2018 (Never been titled)
Credit Score
Platinum
750 - Above
Premier
700-749
Valued
650-699
Builder
600-649
Rebuilder
599-Under
Up To 36 Months 3.74% 4.24% 6.24% 9.24% 13.24%
48 Months 4.04% 4.54% 6.54% 9.54% 13.54%
60 Months 4.34% 4.84% 6.84% 9.84% 13.84%
72 Months (over $20,000) 4.64% 5.14% 7.14% 10.14% 14.14%
84 Months (over $30,000) 4.94% 5.44% 7.49% 10.44% 14.44%
2017-2015
Up To 36 Months 4.19% 4.69% 6.69% 9.69% 13.69%
48 Months 4.24% 4.74% 6.74% 9.74% 13.74%
60 Months 4.54% 5.04% 7.04% 10.04% 14.04%
72 Months (over $20,000) 4.84% 5.34% 7.34% 10.34% 14.34%
84 Months (over $30,000) 5.14% 5.64% 7.64% 10.64% 14.64%
2014-2009
Up To 36 Months 5.74% 6.24% 8.24% 11.24% 15.24%
48 Months 6.04% 6.54% 8.54% 11.54% 15.54%
60 Months 6.34% 6.84% 8.84% 11.84% 15.84%
2008 and older (80% loan to value)
Up To 36 Months 7.49% 7.99% 9.99% 12.99% 16.99%

*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 

Recreational Vehicles

Boats, Campers, Moterhome

Platinum Premier Valued Builder Rebuilder
36 Months: 5.49% 5.99% 7.99% 10.99% 14.99%
48 Months: 5.69% 6.19% 8.19% 11.19% 15.19%
60 Months: 5.99% 6.49% 8.49% 11.49% 15.49%
72 Months: $20,000+ 6.29% 6.79% 8.79% 11.79% 15.79%
96 Months: $25,000+ 6.59% 7.09% 9.09% 12.09% 16.09%
120 Months: $30,000+ 6.89% 7.39% 9.39% 12.39% 16.39%
144 Months: $45,000+ (80% loan to value) 7.19% 7.69% 9.69% 12.69% 16.69%
180 Months: $50,000+ (80% loan to value) 7.49% 7.99% 9.99% 12.99% 16.99%
ATV, WATERCRAFT, SNOWMOBILES
2019 AND NEW MODEL YEAR (up to 48 months) 5.69% 6.19% 8.19% 11.19% 15.19%
2018-2014 (up to 36 months) 5.99% 6.49% 8.49% 11.49% 15.49%
2013 and older (up to 24 months) 6.29% 6.79% 8.79% 11.79% 15.79%
MOTORCYCLE
24 Months: Up to $2,999 5.00% 5.50% 7.50% 10.50% 14.50%
36 Months: $3,000 to $4,999 3.99% 4.49% 6.49% 9.49% 13.49%
48 Months: $5,000 to $9,999 4.29% 4.79% 6.49% 9.79% 13.79%
60 Months: $10,000 to $19,999 4.79% 5.29% 7.29% 10.29% 14.79%
72 Months: $20,000 and OVER 5.29% 5.79% 7.79% 10.79% 14.79%

Mortgages

Platinum Premier
80% appraisal or 100% assessed 5.25% 5.75%

(Fixed rate/5 yr balloon)

Construction

Construction-Real Estate Platinum Premier
80% appraisal 6.00% 6.50%

HELOC 

HELOC
Fixed 6.00% 6.25%
Variable Prime Rate + .50% 1.00%

Personal

Platinum Premier Valued Builder Rebuilder
12 months 8.99% 9.49% 11.49% 15.50% 18.00%
24 months 9.99% 10.49% 12.49% 15.50% 18.00%
36 months 10.99% 11.49% 13.49% 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 5.99% 6.49% 8.49% 11.49% 18.00%
48 Months 6.49% 6.99% 8.99% 11.99% 18.00%
60 Months 6.99% 7.49% 9.49% 12.49% 18.00%
 

Shared Certificates Rates

Effective as of February 19, 2019

Certificates

Rate APY*
3 Months .70% .70%
6 Month .90% .90%
12 Month 1.40% 1.41%
18 Month 1.50% 1.51%
24 Month 1.60% 1.61%

$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*
.70% .70%

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

Allowance Certificates

Rate APY*
.70 .70

$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 December for Qtr IV 2018

Dividend Rates

Share Savings

Rate APY* Limits
0.15% 0.15% $25.00 and over

Maximum contribution of $250.00 per month
Declared December for Qtr IV 2018
*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 December for Qtr IV 2018
*APY* - Annual Percentage Yield

Money Market Savings

Rate APY* Limits
0.15% 0.15% $2,500 and over

Maximum contribution of $250.00 per month
Declared December for Qtr IV 2018
*APY* - Annual Percentage Yield

Share IRAs

Rate APY* Limits
1.20% 1.20% $25.00 and over

Maximum contribution of $250.00 per month
Declared December for Qtr IV 2018
*APY* - Annual Percentage Yield

Christmas Club Shares

Rate APY*
.35% .35%

Maximum contribution of $250.00 per month
Declared December for Qtr IV 2018
*APY* - Annual Percentage Yield