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Current Rates

Fee Schedule      Truth In Savings Disclosure

Loan Rates

Vehicle Loans
TermAPR* as low as Payment per $1,000
36 Months 3.50% $29.31
48 Months 3.50% $22.36
60 Months 3.50% $18.20
72 Months 3.95% $15.77

Recreational Loans
TermAPR* as low as Payment per $1,000
36 Months 4.50% $29.75
48 Months 4.50% $22.81
60 Months 4.50% $18.65
72 Months 5.25% $16.23
120 Months 6.50% $11.36

*Annual Percentage Rate. Your individual rate will depend on your credit worthiness. Please consult with a loan officer for more information. Terms are based on the year, condition and mileage of the vehicle. Rates are applicable on purchases and refinancing of loans from other institutions. For 2012 and older vehicles, contact the Credit Union for rates and terms.

Home Equity Loans and Mortgages
Loan TypeMaximum TermRate/APR*Payment per $1,000
1st Position - Closed End Fixed Rate 12 yr. 5.75%/5.844% $9.64
2nd Position - Closed End Fixed Rate 10 yr. 6.50%/6.612% $11.36
*Annual Percentage Rate. 5, 7 and 10 year terms are also available. All loans are subject to credit approval and listed rates/terms are subject to change at any time without notice. Please contact a loan officer for additional information.
Home Equity Line of Credit Open End Variable - Currently 5.00% n/a
Annual Percentage Rate is based on the Prime rate as published in the Wall Street Journal (45 days prior to the end of each quarter) + a margin of 0% and is subject to change on January 1, April 1, July 1 and October 1 of each year. The current rate of 5.00%APR is effective as of 10/01/18. The maximum APR is 17% and the minimum is 4%. Minimum payments are 1.5% of the outstanding balance as of the last advance.
HELOC - Introductory Rate Special Contact a loan officer for details    
Home Purchases Programs available with terms up to 30 years. Contact the credit union for details.    

Other Loan Types
Loan TypeTerm/mo.Maximum AmountAPR*Payment per $1,000
Personal & Debt Consolidation Up to 60 months $10,000 As low as 6.95% $19.79
Computer Loans 12 months $1,500 3.9% $85.11
Computer Loans 36 months $2,000 5.9% $30.38
Share Secured Up to 60 months n/a 3% above share rate -
Certificate Secured Up to term of CD n/a 2% above CD rate -
Overdraft Line of Credit 5% of balance, $50 minimum $2,500 15.00% -
Mobile Homes up to 10 yrs old Up to 10 yrs with 20% down n/a 9.99% $13.22

*Annual Percentage Rate. Your individual Rate and terms for Personal/Consolidation loans will depend on your credit worthiness. Please consult with a loan officer for more information. All loans subject to credit approval.

Savings Rates

Share & Checking Rates
Account TypeMin. BalanceDividend RateAPY*
Regular Shares $25.00 0.10% 0.10%
Clubs $5.00 0.10% 0.10%
IRA Shares $5.00 0.30% 0.30%
Checking n/a n/a n/a

*Annual Percentage Yield. Dividends are based on the Average Daily Balance Method. Dividends are Compounded and Credited monthly. A $25.00 Minimum Balance is required to obtain the Annual Percentage Yield for the monthly dividend period. The Minimum required Opening Balance is $25.00 for Regular Share and for Checking accounts.  IRA, and Club accounts are $5.00.

High Yield Accounts
Min. BalanceDividend RateAPY*
$2,000 - $24,999 0.90% 0.90%
$25,000 - $49,999 1.00% 1.00%
$50,000 - $99,999 1.10% 1.11%
$100,000 & Over 1.20% 1.21%

*Annual Percentage Yield. Dividends are based on the Average Daily Balance Method. Dividends are Compounded and Credited monthly. A $2,000 Minimum Balance is required to obtain the Annual Percentage Yield for the monthly dividend period. The Minimum required Opening Balance is $2,000. Hi Yield Accounts are limited to 6 withdrawals per month. Accounts balances falling below $2,000 will be closed and the balance transferred to a regular share account.

Share & IRA Certificates
Minimum Balance to open: $2,000.00
TermPenaltyDividend RateAPY*
6 Months 90 days 1.60% 1.61%
12 Months 180 days 1.90% 1.92%
24 Months 180 days 2.25% 2.28%
36 Months 365 days 2.50% 2.53%
48 Months 365 days 2.75% 2.79%
60 Months 365 days 3.00% 3.05%

Super Saver Share Certificates
Minimum Balance to open: $500.00
TermPenaltyDividend RateAPY*
6 Months 90 days 1.10% 1.11%
12 Months 180 days 1.40% 1.41%
24 Months 180 days 1.75% 1.77%
36 Months 365 days 2.00% 2.02%

*Annual Percentage Yield. Dividends are based on the average daily balance method. Dividends are compounded daily and credited monthly. The minimum balance stated above is required to obtain the Annual Percentage Yield for the monthly dividend period as well as to establish the certificate account.