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Current Rates

Loan Rates

Consumer Loans
Effective Date: May 01, 2017
Fixed Rate APR*Variable Rate APR*
Vehicles    
New and Used 2014 and newer as low as 2.99 %  
Used 2013 - 2011 as low as 3.49 %  
Used 2010 - 2007 as low as 5.49%  
Used 2006 and older as low as 7.49%  
Motorcycles
New and Used 2011 and newer as low as 3.99%  
Used 2010 - 2007 as low as 5.99%  
Used 2006 and older as low as 7.99%  
RVs
New and Used 2014 and newer as low as 3.99%  
Used 2013 - 2011 as low as 4.99%  
Used 2010 - 2007 as low as 5.99%  
Used 2006 and older as low as 7.99%  
Unsecured as low as 12.00%  
PSL Line-of-Credit   as low as 9.75%
VISA Platinum Credit Card as low as 9.99%  
Home Equity Line of Credit
LTV 80% or less
  4.25%
Share/Certificate Pledged 2.00% over rate earned on pledged account  
*APR=Annual Percentage Rate. Loans and rates are subject to credit approval. Some restrictions apply. PLEASE CONTACT THE CREDIT UNION FOR ADDITIONAL RATE AND LOAN PRODUCT INFORMATION. Rates are disclosed as Annual Percentage Rates. Offered rates are subject to change without notice.

First Mortgage Rates
Effective Date: May 1, 2017
Rates are "as low as"
TermRateAPR**Points
Fixed Rate Mortgages
Loan to Values 80% or Less:
15 years 3.250% 3.337% 0
15 years 3.000% 3.230% 1
30 years 4.125% 4.178% 0
30 years 3.875% 4.010% 1
Loan to Values Greater than 80%:
15 Years 3.500% 3.589% 0
15 Years 3.250% 3.483% 1
30 Years 4.375% 4.430% 0
30 Years 4.125% 4.263% 1
Adjustable Mortgage Rates
3 / 1 ARM 4.750% 4.807% 0
Construction Loans: Add .50% Construction Loan Origination Fee
All rates are subject to change daily. Rates may be based on LTV% (Loan-to-Value) and Credit Scores. Maximum financing: $417,000. Ask a Mortgage Department employee for further information about the fees and terms applicable to the advertised loan products. ** APR (Annual Percentage Rate) is based on $125,000 sale price and $100,000 loan amount with 80% LTV and a credit score over 679.

Savings Rates

Share Accounts
Effective Date: May 01, 2017
AccountAnnual Percentage YieldNominal RateMinimum Balance to Earn DividendsMinimum Balance to Open AccountDividends Coumpounded & Paid
Prime Share Savings 0.05% 0.05% $100.00 $25.00 Quarterly
Insured Money Fund
$2000-$14,999.99 0.05% 0.05% $2,000.00 $0.00 Monthly
$15,000-$49,999.99 0.10% 0.10% $2,000.00 $0.00 Monthly
$50,000 & up 0.15% 0.15% $2,000.00 $0.00 Monthly
Christmas & Vacation Club 0.05% 0.05% $100.00 $0.00 Quarterly
Young Members Club 0.10% 0.10% $1.00 $0.00 Quarterly
IRAs 0.10% 0.10% $1.00 $0.00 Quarterly
Share Checking Account 0.02% 0.02% $1,000.00 $0.00 Monthly
Member Business Checking
$5,000-$14,999.99 0.02% 0.02% $5,000.00 $0.00 Monthly
$15,000 and up 0.05% 0.05% $15,000.00 $0.00 Monthly
Dividends are calculated on the Daily Balance method. Fees could reduce earning on the account. Offered rates are subject to change.

Share Certificate Accounts
Effective Date: May 01, 2017
TermAnnual Percentage YieldNominal RateMinimum Balance to Earn DividendsMinimum Balance to Open AccountDividends Coumpounded & Paid
6 months 0.05% 0.05% $500.00 $500.00 Quarterly
12 months 0.10% 0.10% $500.00 $500.00 Quarterly
18 months 0.15% 0.15% $500.00 $500.00 Quarterly
24 months 0.25% 0.25% $500.00 $500.00 Quarterly
30 months 0.35% 0.35% $500.00 $500.00 Quarterly
36 months 0.55% 0.55% $500.00 $500.00 Quarterly
48 months 1.00% 1.00% $500.00 $500.00 Quarterly
60 months 1.10% 1.10% $500.00 $500.00 Quarterly
Dividends are calculated on the Daily Balance method. Penalties apply for early withdrawals. Rates are fixed for the term of the Certificate. IRA Certificates are available in terms of 12 months or longer. Offered rates are subject to change.

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