Rates

The credit union is a member owned not-for-profit cooperative formed for the purpose of encouraging savings by offering a good return. The collective monies are used to make loans at competitively low interest rates to members, and provide a multitude of other financial services to our members. Click the links below for rate information.
 

Deposit Rates

Account Type APY* RATE
Share Savings Account .40% .40%
Value Checking Account .00% .00%
Premier Checking Account .15% .15%
HSA Account $0 - $4,999 .50% .50%
HSA Account $5000 & Up .75% .75%
Other Accounts (Holiday, Vacation, Fuel & Tax) .40% .40%
IRA Shares/Payroll .60% .60%.
IRA Term Share Certificates ($500 Minimum) .75% .75%.
Term Share Certificate (CD)- 3 month .45% .45%
Term Share Certificate (CD)- 6 month .55% .55%
Term Share Certificate (CD)- 12 month** 0.85% 0.85%
Term Share Certificate (CD)- 24 month** 1.25% 1.24%
Term Share Certificate (CD)- 36 month** 1.55% 1.54%
Money Market Share Accounts - $1,000 - $19,999** .25% .25%
Money Market Share Accounts - $20,000 & $34,999** .35% .35%
Money Market Share Accounts - $35,000 & Above** .45% .45%
All rates subject to change without notice.
*Annual Percentage Yield
**The minimum deposit for all Term Share Certificates & Money Market Share Accounts is $1,000.
 

Consumer Loan Rates

Account Type APR** Term Payment/ $1,000
Secured - 24 months* 2.45% 24 months $42.74
Secured  - 36 months* 2.45% 36 months $28.84
Secured - 48 months* 2.45% 48 months $21.90
Secured  - 60 months* 3.25% 60 months $18.09
Secured  - 72 months* 4.05% 72 months $15.67
Unsecured* 9.70% 48 months $25.23
Home Equity Line of Credit* 4.00% Adj. 24 months Call
Home Equity Loan* 4.00% 84 months Call
VISA Cards- Platinum^ Prime + 4% Adj.    
VISA Cards- Gold 9.99%    
VISA Cards- Classic 12.9%    
Certificate Secured Cert. Rate + 3% Adj.    
Share Secured Share Rate + 3% Adj.    
Overdraft Protection 15.00%    
All rates subject to change without notice.
* RATES "AS LOW AS." RATE BASED ON YOUR CREDIT HISTORY, ADD .50%  FOR NON-VEHICLE (MOTORCYCLES, ATV’S,SNOWMOBILES, SIDE BY SIDES, RV’S, CAMPERS, BOATS, ETC.) SECURED LOANS.  ACTUAL RATE MAY BE HIGHER.
ALL RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE.
** ANNUAL PERCENTAGE RATE
Initial $25 deposit for membership required. Additional restrictions apply.
^All rates subject to change without notice.

Click Here For Mortgage Rates

Business Deposit Rates*

Business Primary Share Rate
Business Primary Share 0.400%
Business Plus Share Draft Rate
$0 - $2,500 No Dividends
$2,500 - $5,000 0.500%
$5,000 and above 0.750%
Business Money Market Share** Rate
$1,000 - $19,999** 0.250%
$20,000 - $34,999 0.350%
$35,000 and Above 0.450%
Business High Yield** Rate
Business High Yield** 0.850%
* All rates subject to change without notice.
** For days that your balance falls and/or remains below $1,000 you will not earn dividends for that day.
 

Important Disclosures

 

Auto Loan Rates Disclosure


APR is the Annual Percentage Rate on the loan. All rates are listed “as low as” and are determined by an evaluation of your credit, and all rates quoted are subject to change. Your rate may vary from the rate shown.

Payment Example: The monthly payment on a 24 month term at 4.24% APR would be $43.53 per $1,000 borrowed.
 

Term Share Rates Disclosure


APY is the Annual Percentage Yield. Penalties may be imposed for early withdrawal. Fees may reduce earnings.
 

Truth-In-Savings Disclosure