Rates

Consumer Loan Rates

Auto Loans 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.

Recreational Vehicles

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%

Mortgages


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%

HELOC

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