Current Rates


Effective 11/13/2018

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 11/13/2018

Certificates Dividend Rate APY* Term
Share Certificates ($1,000 minimum to open) 0.277 0.280 3 mo
Share Certificates ($50,000 minimum to open) 0.325 0.330 3 mo
Share Certificates ($1,000 minimum to open) 0.325 0.330 6 mo
Share Certificates ($50,000 minimum to open) 0.375 0.380 6 mo
Share Certificates ($1,000 minimum to open) 0.375 0.380 12 mo
Share Certificates ($50,000 minimum to open) 0.425 0.430 12 mo
Share Certificates ($1,000 minimum to open) 0.425 0.430 18 mo
Share Certificates ($50,000 minimum to open) 0.477 0.480 18 mo
Share Certificates ($1,000 minimum to open) 0.495 0.500 24 mo
Share Certificates ($50,000 minimum to open) 0.545 0.550 24 mo
Share Certificates ($1,000 minimum to open) 0.545 0.550 36 mo
Share Certificates ($50,000 minimum to open) 0.595 0.600 36 mo
IRA Certificates ($1,000 minimum to open) 0.447 0.450 12 mo
IRA Certificates ($1,000 minimum to open) 0.595 0.600 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 UAW/CAW Approved

Terms APR* **Payment per $1,000
Up to 36 months 2.49 – 16.29%  $28.86
Up to 48  months 2.99 – 16.39%  $22.14
Up to 60 months 2.99 – 16.49%  $17.97
Up to 72 months 2.99 – 16.69%  $15.20
Up to 84 months 2.99 – 16.87%  $13.22

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

 

 

All Other Autos  (Less than 10 years old) 
**Add 1.00% to the APR listed below if the age of the vehicle is greater than 10 years old (not to exceed 15 yrs old)**

Terms APR*

**Payment per $1,000

Up to 36 months 2.99 – 16.29% $29.09
Up to 48 months 2.99 – 16.54% $22.14
Up to 60 months 2.99 – 16.79% $17.97
Up to 72 months 2.99 – 16.99% $15.20
Up to 84 months 2.99 – 16.99% $13.22

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 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 American Made Motorcycles (VIN must start with 1,2,4, or 5)

Terms APR* **Payment per $1,000
Up to 36 months 2.49- 17.04% $28.86
Up to 48 months 2.99- 17.29% $22.14
Up to 72 months 2.99- 17.49% $15.20

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

 

 

All Other Motorcycles

Terms APR* **Payment per $1,000
Up to 24 months 4.95 – 16.79% $43.86
Up to 36 months 5.05 – 17.04% $30.00
Up to 48 months 5.25 – 17.29% $23.15
Up to 72 months 5.45 – 17.49% $16.32

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 above for the specific term
***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.