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. Select the links below for rate information.
Deposit Rates
| Account Type |
APY* |
RATE |
| Share Savings Account |
.25% |
.25% |
| Basic Checking Account |
.00% |
.00% |
| Premier Checking Account |
.05% |
.05% |
| HSA Account $0 - $4,999.99 |
.20% |
.20% |
| HSA Account $5000 & Up |
.40% |
.40% |
| Other Accounts (Holiday, Vacation, Fuel & Tax) |
.25% |
.25% |
| IRA Shares/Payroll |
.15% |
.15%. |
| IRA Term Share Certificates ($500 Minimum)- 18 month |
3.00% |
2.96% |
| Term Share Certificate (CD)- 3 month** |
1.45% |
1.44% |
| Term Share Certificate (CD)- 6 month** |
2.45% |
2.42% |
| Term Share Certificate (CD)- 12 month** |
4.20% |
4.12% |
| Term Share Certificate (CD)- 24 month** |
3.40% |
3.35% |
| Term Share Certificate (CD)- 36 month** |
3.50% |
3.45% |
| Premier Term Share Certificate (CD) - 12 month** |
4.50% |
4.41% |
| Premier Term Share Certificate (CD) - 24 month** |
3.70% |
3.64% |
| Premier Term Share Certificate (CD) - 36 month** |
3.80% |
3.74% |
| Money Market Share Accounts - $1,000 - $19,999.99** |
1.00% |
1.00% |
| Money Market Share Accounts - $20,000 - $34,999.99** |
1.25% |
1.24% |
| Money Market Share Accounts - $35,000 -$49,999.99** |
1.35% |
1.34% |
| Money Market Share Accounts - $50,000 & Above** |
1.45% |
1.44% |
All rates subject to change without notice.
*Annual Percentage Yield
**The minimum starting deposit for all Term Share Certificates & Money Market Share Accounts is $1,000.
Account Limitations
For share accounts, account limitations may apply.
For all accounts, the Credit Union may limit all cash withdrawals to $2,000.00 per day.
For share draft accounts, no limitations apply.
For all Term Share Certificates, after your account is opened, you may make withdrawals subject to the early withdrawal penalty outlined in the disclosure.
|
Consumer Loan Rates
| Account Type |
APR** |
Term |
Payment/ $1,000 |
| Secured - 24 months* |
5.95% |
24 months |
$44.31 |
| Secured - 36 months* |
6.45% |
36 months |
$30.64 |
| Secured - 48 months* |
6.75% |
48 months |
$23.84 |
| Secured - 60 months* |
6.95% |
60 months |
$19.79 |
| Secured - 72 months* |
7.45% |
72 months |
$17.28 |
| Unsecured* |
10.70% |
48 months |
$25.72 |
| Unsecured Energy Efficiency* |
7.70% |
84 months |
$15.45 |
| Secured Solar Loan* |
7.25% |
180 months |
Call |
| Home Equity Line of Credit*** |
5.50% Adj. |
24 months |
Call |
| Home Equity Loan* |
5.75% |
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 1.00% 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
***RATES "AS LOW AS." AFTER PROMOTIONAL PERIOD, RATES "AS LOW AS" 5.50% ADJ. ACTUAL RATE MAY BE HIGHER.
Initial $25 deposit for membership required. Additional restrictions apply.
^All rates subject to change without notice.
|
Business Deposit Rates*
| Business Primary Share |
Rate |
| Business Primary Share |
.25% |
| Business Plus Share Draft |
Rate |
| $0 - $2,500 |
No Dividends |
| $2,500 - $5,000 |
.10% |
| $5,000 and above |
.20% |
| Business Money Market Share** |
Rate |
| $1,000 - $19,999.99** |
1.00% |
| $20,000 - $34,999.99 |
1.24% |
| $35,000-$49,999.99 |
1.34% |
| $50,000 & Above |
1.44% |
| Business High Yield** |
Rate |
| Business High Yield** |
1.74% |
* 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 2.75% APR would be $42.89 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.