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 Vehicles
|
|
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% |
| |
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
| 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