Rates
Consumer Loan Rates
Auto Loans Rates
2017-2014
Credit Score |
Platinum
750 - Above |
Premier
700-749 |
Valued
650-699 |
Builder
600-649 |
Rebuilder
599-Under |
| Up To 36 Months |
3.84% |
4.34% |
6.34% |
9.34% |
18.00% |
| 48 Months |
3.94% |
4.44% |
6.44% |
9.44% |
18.00% |
| 60 Months |
4.04% |
4.54% |
6.54% |
9.54% |
18.00% |
| 72 Months (over $20,000) |
4.24% |
4.74% |
6.74% |
|
|
| 2013-2009 |
| Up To 36 Months |
4.44% |
4.94% |
6.94% |
9.94% |
18.00% |
| 48 Months |
4.54% |
5.04% |
7.04% |
10.04% |
18.00% |
| 60 Months |
4.64% |
5.14% |
7.14% |
10.14% |
18.00% |
| 2008 and older |
| Up To 36 Months |
6.24% |
6.74% |
8.74% |
11.74% |
18.00% |
| 48 Months |
7.24% |
7.74% |
9.74% |
12.74% |
18.00% |
*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
| All Years |
Platinum |
Premier |
Valued |
Builder |
Rebuilder |
| Up To 36 Months |
3.75% |
4.25% |
6.25% |
9.25% |
18.00% |
| 48 Months |
4.25% |
4.75% |
6.75% |
9.75% |
18.00% |
| 60 Months |
4.75% |
5.25% |
7.25% |
10.25% |
18.00% |
| 120 Months ($25,000 and over) |
6.15% |
6.65% |
8.65% |
|
|
Mortgages/Construction
| |
Platinum |
Premier |
Construction |
| 80% appraisal or 100% asessed |
4.25% |
4.50% |
5.25% |
(Fixed rate/5 yr balloon)
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