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 |
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% |
| 2010-2015 |
| 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% |
| 2009 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.
|
|
Platinum |
Premier |
Valued |
Builder |
Rebuilder |
| 36 Months: |
3.49% |
3.99% |
5.99% |
8.99% |
12.99% |
| 48 Months: |
3.99% |
4.49% |
6.49% |
9.49% |
13.49% |
| 60 Months: |
4.49% |
4.99% |
6.99% |
9.99% |
13.99% |
| 72 Months: $20,000+ |
5.99% |
6.49% |
8.49% |
11.49% |
15.49% |
|
Platinum |
Premier |
Valued |
Fixed rate/5 yr balloon
|
3.25% |
3.50% |
4.00% |
80% appraisal or 100% assessed
|
| Fixed Rates |
Platinum |
Premier |
Valued |
| 10 Years |
4.00% |
4.25% |
4.75% |
15 Years
|
4.25% |
4.50% |
5.00% |
Construction
| Construction-Real Estate |
Platinum |
Premier |
| 80% appraisal |
6.00% |
6.50% |
| Fixed |
5.00% |
5.25% |
| Variable Prime Rate + |
0.50% |
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 |
3.49% |
3.99% |
5.99% |
8.99% |
18.00% |
| 48 Months |
3.99% |
4.49% |
6.49% |
9.49% |
18.00% |
| 60 Months |
4.49% |
4.99% |
6.99% |
9.99% |
18.00% |
| 72 Months $25,000 + |
5.99% |
6.49% |
8.49% |
11.49% |
18.00% |
Shared Certificates Rates
Effective as of January 19, 2021
Certificates
|
Rate |
APY* |
| 3 Months |
0.10% |
0.10% |
| 6 Month |
0.15% |
0.15% |
| 12 Month |
0.25% |
0.25% |
| 18 Month |
0.30% |
0.30% |
| 24 Month |
0.35% |
0.35% |
$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* |
|
0.10% |
0.10% |
$100.00 Minimum - 12 month term
*APY* - Annual Percentage Yield
Allowance Certificates
|
Rate |
APY* |
|
0.10% |
0.10% |
$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 July 21, 2021
Dividend Rates
Share Savings
| Rate |
APY* |
Limits |
| 0.05% |
0.05% |
$25.00 and over |
Maximum contribution of $250.00 per month
Declared January 19, 2021
*APY* - Annual Percentage Yield
Share Draft
| Rate |
APY* |
Limits |
| 0.00% |
0.00% |
Average daily balance over $100.00 |
Maximum contribution of $250.00 per month
Declared January 1, 2021
*APY* - Annual Percentage Yield
Money Market Savings
| Rate |
APY* |
Limits |
| 0.05% |
0.05% |
$2,500 and over |
Maximum contribution of $250.00 per month
Declared January 19, 2021
*APY* - Annual Percentage Yield
Share IRAs
| Rate |
APY* |
Limits |
| 0.30% |
0.30% |
$25.00 and over |
Maximum contribution of $250.00 per month
Declared January 19, 2021
*APY* - Annual Percentage Yield
Christmas Club Shares
| Rate |
APY* |
|
| 0.10% |
0.10% |
|
Maximum contribution of $250.00 per month
Declared January 19,2021
*APY* - Annual Percentage Yield