Effective 01/01/2019
| Account Type |
Dividend Rate |
APY* |
| Regular Savings ($250 minimum balance to earn dividend) |
0.050 |
0.050 |
| Christmas Club (No minimum balance to earn dividend) |
0.075 |
0.075 |
| Vacation Pay ($2,500 minimum balance to earn dividend) |
0.025 |
0.025 |
| Union Dues |
0.000 |
0.000 |
| Tools Account |
0.000 |
0.000 |
| Loan Payment Savings |
0.000 |
0.000 |
| IRA Savings (No minimum) |
0.249 |
0.249 |
| Checking ($2,500 minimum) |
0.025 |
0.025 |
| Money Market ($2,500 minimum balance to earn dividend***) |
0.100 |
0.100 |
| Money Market ($10,000 minimum balance to earn dividend***) |
0.120 |
0.120 |
| Money Market ($25,000 minimum balance to earn dividend***) |
0.150 |
0.150 |
| Money Market ($50,000 minimum balance to earn dividend***) |
0.180 |
0.180 |
*APY = Annual Percentage Yield
**Rates determined by the Board of Directors and subject to change
***Money Market – Dividends are paid monthly based on the aggregate balance in the account
Effective 01/01/2019
| Certificates |
Dividend Rate |
APY* |
Term |
| Share Certificates ($1,000 minimum to open) |
0.695 |
0.700 |
3 mo |
| Share Certificates ($50,000 minimum to open) |
0.743 |
0.750 |
3 mo |
| Share Certificates ($1,000 minimum to open) |
0.743 |
0.750 |
6 mo |
| Share Certificates ($50,000 minimum to open) |
0.795 |
0.800 |
6 mo |
| Share Certificates ($1,000 minimum to open) |
0.795 |
0.800 |
12 mo |
| Share Certificates ($50,000 minimum to open) |
0.845 |
0.850 |
12 mo |
| Share Certificates ($1,000 minimum to open) |
0.845 |
0.850 |
18 mo |
| Share Certificates ($50,000 minimum to open) |
0.893 |
0.900 |
18 mo |
| Share Certificates ($1,000 minimum to open) |
0.893 |
0.900 |
24 mo |
| Share Certificates ($50,000 minimum to open) |
0.945 |
0.950 |
24 mo |
| Share Certificates ($1,000 minimum to open) |
0.945 |
0.950 |
36 mo |
| Share Certificates ($50,000 minimum to open) |
0.995 |
1.000 |
36 mo |
| IRA Certificates ($1,000 minimum to open) |
0.845 |
0.850 |
12 mo |
| IRA Certificates ($1,000 minimum to open) |
0.995 |
1.000 |
24 mo |
*APY = Annual Percentage Yield
*Rates determined by the Board of Directors and subject to change
*Early Withdrawal Penalty – We may impose a penalty if you withdraw any of the principal balance from your Share Certificate account before the maturity date. The penalty imposed shall be 30 days interest. However, we pay dividends up to the date of withdrawal.
New Auto
| Terms |
APR* |
**Payment per $1,000 |
| Up to 36 months |
2.49 – 16.29% |
$28.86 |
| Up to 48 months |
2.49 – 16.39% |
$21.91 |
| Up to 60 months |
2.49 – 16.49% |
$17.75 |
| Up to 72 months |
2.49 – 16.69% |
$14.97 |
| Up to 84 months |
2.49- 16.87% |
$12.99 |
Up to 100% of the purchase price
*APR = Annual Percentage Rate
**Payment per $1,000 balance is an example based on the lowest interest rate listed above for the specific term
***Annual Percentage Rate is based on credit worthiness criteria
****Loan approval amount based on credit worthiness along with the year and value of vehicle
Used Autos
**Add 1.00% to the APR listed below if the loan is over 80% of the Value of the Vehicle
| Terms |
APR* |
**Payment per $1,000
|
| Up to 36 months |
2.49 – 16.29% |
$28.86 |
| Up to 48 months |
2.49 – 16.54% |
$21.91 |
| Up to 60 months |
2.49- 16.79% |
$17.75 |
| Up to 72 months |
2.49 – 16.99% |
$14.97 |
| Up to 84 months |
2.49 – 16.99% |
$12.99 |
Amount determined by the year and value. We do not finance vehicles over 10 years of age.
*APR = Annual Percentage Rate
**Payment per $1,000 balance is an example based on the lowest interest rate listed above for the specific term
***Annual Percentage Rate is based on credit worthiness criteria
****Loan approval amount based on credit worthiness along with the year and value of vehicle
Boats, Travel Trailers, 5th Wheels, Motor Homes and Toy Haulers
| Terms |
APR* |
**Payment per $1,000 |
| Up to 36 months |
5.50 – 17.29% |
$30.20 |
| Up to 48 months |
5.66 – 17.54% |
$23.34 |
| Up to 60 months |
5.86 – 17.79% |
$19.27 |
| Up to 72 months |
6.06 – 17.99% |
$16.61 |
| Up to 84 months |
6.40 – 17.99% |
$14.81 |
| Up to 120 months |
6.66 – 17.99% |
$11.44 |
Amount determined by the year and value.
*APR = Annual Percentage Rate
**Payment per $1,000 balance is an example based on the lowest interest rate listed above for the specific term.
***Annual Percental Rate is based on credit worthiness criteria.
****Loan approval amount based on credit worthiness along with the year and value of collateral
New Motorcycles
| Terms |
APR* |
**Payment per $1,000 |
| Up to 24 months |
2.49%-16.79% |
$42.76 |
| Up to 36 months |
2.49- 17.04% |
$28.86 |
| Up to 48 months |
2.49- 17.29% |
$21.91 |
| Up to 72 months |
2.49- 17.49% |
$14.97 |
Up to 100% of the purchase price.
*APR = Annual Percentage Rate
**Payment per $1,000 balance is an example based on the lowest interest rate listed above for the specific term
***Annual Percentage Rate is based on credit worthiness criteria
****Loan approval amount based on credit worthiness along with year and value of motorcycle
Used Motorcycles
**Add 2.00% to the APR listed below if the loan is over 70% of the Value of the Motorcycle
| Terms |
APR* |
**Payment per $1,000 |
| Up to 24 months |
2.49 – 16.79% |
$42.76 |
| Up to 36 months |
2.49- 17.04% |
$28.86 |
| Up to 48 months |
2.49 – 17.29% |
$21.91 |
| Up to 72 months |
2.49 – 17.49% |
$14.97 |
Amount determined by the year and value.
*APR = Annual Percentage Rate (Maximum APR 18.00%)
**Payment per $1,000 balance is an example based on the lowest interest rate above for the specific term (less than 70% of the value)
***Annual Percentage Rate based on credit worthiness criteria
****Loan approval amount based on credit worthiness along with year and value of motorcycle
Share Savings Secured Loans
| Terms |
APR* |
**Payment per $1,000 |
| Up to 60 months |
5.75% |
$19.22 |
Deposit amount minus $100
*APR = Annual Percentage Rate
**Payment per $1,000 balance is an example based on the maximum term
Signature Loans
| Terms |
APR* |
**Payment per $1,000 |
| Up to 12 months |
9.40 – 18.00% |
$87.65 |
| Up to 24 months |
9.50 – 18.00% |
$45.92 |
| Up to 36 months |
9.60 – 18.00% |
$32.09 |
| Up to 48 months |
9.70 – 18.00% |
$25.23 |
| Up to 60 months |
9.90 – 18.00% |
$21.21 |
Maximum loan $10,000.
*APR = Annual Percentage Rate
**Payment per $1,000 balance is an example based on the lowest interest rate above for the specific term
***Annual Percentage Rate is based on credit worthiness criteria
****Loan approval amount based on credit worthiness
*****Maximum aggregate unsecured loans per member household, including credit cards, not to exceed $25,000.
HELOC and 2nd Mortgage
| Type of Loan |
Rate Type |
APR* |
Minimum/Maximum Loan Amount |
| Home Equity Line of Credit |
Variable rate
No annual fees |
Call for current rate |
Minimum: $10,000
Maximum: $250,000 |
| 2nd Mortgage |
Fixed rate
No annual fees |
Call for current rate |
Minimum: $10,000
Maximum: $250,000 |
*APR = Annual Percentage Rate
**Maximum aggregate secured loans per member not to exceed $100,000, excluding Share Secured and Real Estate
Visa® Card Rates
Click here for the Visa Classic & Visa Platinum Credit Card Disclosure
| Visa Classic |
10.50% APR |
Grace period: 25 days for purchases
Minimum finance charge: $0.50 |
No annual fees
Balance calculation method
Average daily balance including new purchases |
| Visa Platinum |
7.90% APR |
Grace period: 25 days for purchases
Minimum finance charge: $0.50 |
No annual fees
Balance calculation method
Average daily balance including new purchases |
*Maximum aggregate unsecured loans per member household, including credit cards, not to exceed $25,000
Above information represents a summary of the current policy. Other conditions or restrictions may apply. Call the credit union for current information. Rates subject to change without notice.
