Rates
Consumer Loan Rates
| Credit Score |
Platinum
750 - Above |
Premier
700-749 |
Valued
650-699 |
Builder
600-649 |
Rebuilder
599-Under |
| 2020-NEW |
| Up To 36 Months |
5.50% APR |
6.00% APR |
8.00% APR |
11.00% APR |
15.00%APR |
| 48 Months |
5.75% APR |
6.25% APR |
8.25% APR |
11.25% APR |
15.25% APR |
| 60 Months |
6.00% APR |
6.50% APR |
8.50% APR |
11.50% APR |
15.50% APR |
| 72 Months (over $20,000) |
7.00% APR |
7.50% APR |
9.50% APR |
12.50% APR |
16.50% APR |
| 84 Months (over $30,000) |
8.00% APR |
8.50% APR |
10.50% APR |
13.50% APR |
17.50% APR |
| 2013-2019 |
| Up To 36 Months |
7.50% APR |
8.00% APR |
10.00% APR |
13.00% APR |
17.00% APR |
| 48 Months |
8.00% APR |
8.50% APR |
10.50% APR |
13.50% APR |
17.50% APR |
| 60 Months |
8.50% APR |
9.00% APR |
11.00% APR |
14.00% APR |
18.00% APR |
| 2012 and older |
| Up To 36 Months |
9.75% APR |
10.25% APR |
12.25% APR |
15.25% APR |
18.00% APR |
| 48 Months |
10.25% APR |
10.75% APR |
12.75% APR |
15.75% APR |
18.00% APR |
*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% APR |
6.50% APR |
8.50% APR |
11.50% APR |
15.50% APR |
| 48 Months: |
6.50% APR |
7.00% APR |
9.00% APR |
12.00% APR |
16.00% APR |
| 60 Months: |
7.00% APR |
7.50% APR |
9.50% APR |
12.50% APR |
16.50% APR |
| 72 Months: $20,000+ |
8.25% APR |
8.75% APR |
10.75% APR |
13.75% APR |
17.75% APR |
|
Platinum |
Premier |
Valued |
Fixed rate/5 yr balloon
|
6.00% APR |
6.50% APR |
6.75% APR |
80% appraisal or 100% assessed
|
| Fixed Rates |
Platinum |
Premier |
Valued |
| 10 Years |
6.25% APR |
6.50% APR |
7.00% APR |
| 15 Years |
6.50% APR |
6.75% APR |
7.25% APR |
Construction
| Construction-Real Estate |
Platinum |
Premier |
| 80% appraisal |
7.25% APR |
7.75% APR |
| Fixed |
6.75% APR |
7.00% APR |
7.50% APR |
| Variable Prime Rate + |
0.50% APR |
1.00% APR |
1.50% APR |
Personal
|
Platinum |
Premier |
Valued |
Builder |
Rebuilder |
| 12 months |
10.50% APR |
11.00% APR |
13.00% APR |
15.50% APR |
18.00% APR |
| 24 months |
11.00% APR |
11.50% APR |
13.50% APR |
15.50% APR |
18.00% APR |
| 36 months |
11.50% APR |
12.00% APR |
14.00% APR |
16.00% APR |
18.00% APR |
| 48 months |
12.00% APR |
12.50% APR |
14.50% APR |
|
|
| 60 months |
12.50% APR |
13.00% APR |
|
|
|
Overdraft Line of Credit
|
Platinum |
Premier |
Valued |
Builder |
Rebuilder |
| 36 months |
9.75% APR |
10.00% APR |
12.00% APR |
15.00% APR |
18.00% APR |
Other Secured
|
Platinum |
Premier |
Valued |
Builder |
Rebuilder |
| Up To 36 Months |
6.50% APR |
7.00% APR |
9.00% APR |
12.00% APR |
18.00% APR |
| 48 Months |
7.00% APR |
7.50% APR |
9.50% APR |
12.50% APR |
18.00% APR |
| 60 Months |
7.50% APR |
8.00% APR |
10.00% APR |
13.00% APR |
18.00% APR |
| 72 Months $25,000 + |
8.75% APR |
9.25% APR |
11.25% APR |
14.25% APR |
18.00% APR |
Shared Certificates Rates
Effective as of March 18, 2025
|
Rate |
APY* |
| 3 Months |
3.25% |
3.29% |
| 6 Month |
3.50% |
3.54% |
| 12 Month |
3.00% |
3.03% |
| 18 Month |
3.00% |
3.03% |
| 24 Month |
3.00% |
3.03% |
$250.00 Minimum - 18 years of age and younger
$500.00 Minimum - 19 years of age and older
*APY* - Annual Percentage Yield
Certificates $10,000.01 - $50,000.00
|
Rate |
APY* |
| 3 Months |
3.50% |
3.54% |
| 6 Month |
3.75% |
3.80% |
| 12 Month |
3.25% |
3.29% |
| 18 Month |
3.00% |
3.03% |
| 24 Month |
3.00% |
3.03% |
Certificates $50,000.01 and Over
|
Rate |
APY* |
| 3 Months |
3.50% |
3.54% |
| 6 Month |
3.75% |
3.80% |
| 12 Month |
3.50% |
3.54% |
| 18 Month |
3.00% |
3.03% |
| 24 Month |
3.00% |
3.03% |
Flexible Certificates
|
Rate |
APY* |
|
3.25% |
3.29% |
$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 28, 2025
Dividend Rates
Share Savings
| Rate |
APY* |
Limits |
| .50% |
.50% |
$25.00 and over |
Maximum contribution of $250.00 per month
Declared January 28, 2025
*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 28, 2025
*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 28, 2025
*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 28, 2025
*APY* - Annual Percentage Yield
Christmas Club Shares
| Rate |
APY* |
|
| .75% |
.75% |
|
Maximum contribution of $250.00 per month
Declared January 28,2025
*APY* - Annual Percentage Yield