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 |
3.74% |
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% |
| 2017-2015 |
| Up To 36 Months |
4.19% |
4.69% |
6.69% |
9.69% |
13.69% |
| 48 Months |
4.24% |
4.74% |
6.74% |
9.74% |
13.74% |
| 60 Months |
4.54% |
5.04% |
7.04% |
10.04% |
14.04% |
| 72 Months (over $20,000) |
4.84% |
5.34% |
7.34% |
10.34% |
14.34% |
| 84 Months (over $30,000) |
5.14% |
5.64% |
7.64% |
10.64% |
14.64% |
| 2014-2009 |
| 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% |
| 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: |
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% |
| 96 Months: $25,000+ |
6.59% |
7.09% |
9.09% |
12.09% |
16.09% |
| 120 Months: $30,000+ |
6.89% |
7.39% |
9.39% |
12.39% |
16.39% |
| 144 Months: $45,000+ (80% loan to value) |
7.19% |
7.69% |
9.69% |
12.69% |
16.69% |
| 180 Months: $50,000+ (80% loan to value) |
7.49% |
7.99% |
9.99% |
12.99% |
16.99% |
| ATV, WATERCRAFT, SNOWMOBILES |
| 2019 AND NEW MODEL YEAR (up to 48 months) |
5.69% |
6.19% |
8.19% |
11.19% |
15.19% |
| 2018-2014 (up to 36 months) |
5.99% |
6.49% |
8.49% |
11.49% |
15.49% |
| 2013 and older (up to 24 months) |
6.29% |
6.79% |
8.79% |
11.79% |
15.79% |
| 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 |
4.50% |
4.75% |
|
(Fixed rate/5 yr balloon)
Construction
| Construction-Real Estate |
Platinum |
Premier |
| 80% appraisal |
6.00% |
6.50% |
HELOC
| Fixed |
6.00% |
6.25% |
| 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% |
Shared Certificates Rates
Effective as of October 21, 2019
Certificates
|
Rate |
APY* |
| 3 Months |
.50% |
.50% |
| 6 Month |
.70% |
.70% |
| 12 Month |
1.00% |
1.00% |
| 18 Month |
1.05% |
1.05% |
| 24 Month |
1.15% |
1.15% |
$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* |
|
.50% |
.50% |
$100.00 Minimum - 12 month term
*APY* - Annual Percentage Yield
Allowance Certificates
|
Rate |
APY* |
|
.50 |
.50 |
$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 December for Qtr IV 2018
Dividend Rates
Share Savings
| Rate |
APY* |
Limits |
| 0.15% |
0.15% |
$25.00 and over |
Maximum contribution of $250.00 per month
Declared December for Qtr IV 2018
*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 December for Qtr IV 2018
*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 December for Qtr IV 2018
*APY* - Annual Percentage Yield
Share IRAs
| Rate |
APY* |
Limits |
| 1.20% |
1.20% |
$25.00 and over |
Maximum contribution of $250.00 per month
Declared December for Qtr IV 2018
*APY* - Annual Percentage Yield
Christmas Club Shares
| Rate |
APY* |
|
| .35% |
.35% |
|
Maximum contribution of $250.00 per month
Declared December for Qtr IV 2018
*APY* - Annual Percentage Yield