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 3.49% 3.99% 5.99% 8.99% 12.99%
48 Months 3.79% 4.29% 6.29% 9.29% 13.29%
60 Months 4.09% 4.59% 6.59% 9.59% 13.59%
72 Months (over $20,000) 4.39% 4.89% 6.89% 9.89% 13.89%
84 Months (over $30,000) 4.69% 5.19%  7.19%  10.19% 14.19% 
2017-2015
Up To 36 Months 3.69% 4.19% 6.19% 9.19% 13.19%
48 Months 3.99% 4.49% 6.49% 9.49% 13.49%
60 Months 4.29% 4.79% 6.79% 9.79% 13.79%
72 Months (over $20,000) 4.59% 5.09% 7.09%  10.09% 14.09% 
84 Months (over $30,000) 4.89% 5.39%  7.39%  10.39%  14.39% 
2014-2009
 Up To 36 Months 5.49% 5.99%  7.99%  10.99%  14.99% 
48 Months  5.79%  6.29%  8.29%  11.29%  15.29% 
60 Months  6.09% 6.59%  8.59% 11.59%  15.59% 
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 Vechicles 

Recreational Vehicles

Boats, Campers, Moterhome

Platinum Premier Valued Builder Rebuilder
36 Months: Up to $2,499 6.29% 6.79% 8.79% 11.79% 15.79%
48 Months: $2,500 to $4,999 6.29% 6.79% 8.79% 11.79% 15.79%
60 Months: $5,000 to $9,999 4.29% 4.79% 6.79% 9.79% 13.79%
72 Months: $10,000 to $14,999 4.79% 5.29% 7.29% 10.29% 14.29%
96 Months: $15,000 to $19,999 4.99% 5.49%  7.49% 10.49%  14.49%
120 Months: $20,000 to $24,999 5.99% 6.49%  8.49%  11.49%  15.49% 
144 Months: $25,000 to $49,999 (80% loan to value) 6.49% 6.99%  8.99%  11.99%  15.99% 
180 Months: $50,000 and OVER (80% loan to value) 6.99% 7.49%  9.49%  12.49% 16.49%
ATV, WATERCRAFT, SNOWMOBILES
2019 AND NEW MODEL YEAR (up to 48 months) 4.99%  5.49% 7.49% 10.49% 14.49%
2018-2014 (up to 36 months) 5.49% 5.99% 7.99% 10.99% 14.99%
201 and older (up to 24 months) 5.49% 5.99% 7.99% 10.99% 14.99%
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 5.00% 5.50%  

(Fixed rate/5 yr balloon)

Construction

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

HELOC 

HELOC
 Fixed 4.75% 5.00%
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%

Discounts

.25% if you sign up for payroll deduction or automatic transfer of loan payment and sign up for e-statements (statements will not be mailed)

Shared Certificates Rates

Effective as of Sept. 11, 2017

Certificates

Rate APY*
3 Months .25% .25%
6 Month .45% .45%
12 Month .65% .65%
18 Month .95% .95%
24 Month 1.05% 1.05%

$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*
.25% .25%

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

Allowance Certificates

Rate APY*
.25 .25

$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

Effective as of: January for Qtr IV 2014

Dividend Rates

Share Savings

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

Maximum contribution of $250.00 per month
Declared March for Qtr I 2017
*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 March for Qtr I 2017
*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 March for Qtr I 2017
*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 March for Qtr I 2017
*APY* - Annual Percentage Yield

Christmas Club Shares

Rate APY* Limits
.20% .20% .20%

Maximum contribution of $250.00 per month
Declared March for Qtr I 2017
*APY* - Annual Percentage Yield