Shares
Deposit Account Annual Percentage Yield* CreditedMinimum Deposit
Shares.55% APY Paid Monthly$25.00
 
IRA 12 Month Certificate**.70% APY
Paid Monthly$100.00
 
Holiday Account.55% APYPaid Annually0
 

Share Draft Account

.25% APY
Paid Monthly on Average Balance of $300.00
$25.00


*Annual Percentage Yields are variable and subject to change and are accurate as of last dividend declaration rate. Fees could reduce earnings on the account.**Early withdrawal penalties apply. Federally Insured by the NCUA. 

Mortgage Loans
Mortgage ProductAPR*

Fixed Rate Mortgage Loans


As Low As 2.40%

Contact Credit Union for Terms
 

Adjustable Rate Mortgage Loans


As Low As 2.50%

Closing costs waived if loan remains open for 36 months**
 

Ag Real Estate/Investment Property


Contact Credit Union for Rate and Terms
 

Construction Loans


As Low As 5.00%

Contact Credit Union for Rate and Terms
 

Home Makeover Loans


As Low As 2.16%

Estimated Fees imposed: $65.00**


*Annual Percentage Rate.  
 
**Closing costs waived include: Application Fee, Termite Inspection, Credit Report, and Flood Certification. Maximum APR that may imposed in 18%. Some restrictions apply. Subject to credit approval. Closing costs are waived initially but later charged of the loan is paid off prior to the 36 months. Mortgages available in Nebraska, Iowa, Missouri, Colorado, Wyoming, Kansas, Oklahoma, South Dakota. Loan approval based on credit worthiness and ability to repay. Loans with a down payment of less than 20% require mortgage insurance which could increase the monthly payment. Payments do not include taxes or insurance premiums. Rates, terms and conditions are subject to change without notice. 
 
 
15, 20 and 30 Year Fixed Rate Mortgages are available on the Secondary Market. The Credit Union retains servicing on these loans. 
 
Payment Example:  
                $100,000 mortgage loans with a term of 15 years, with 3.55% APR, the monthly payment will be $717.51 
                $100,000 mortgage loans with a term of 20 years, with 3.55% APR, the monthly payment will be $582.70 
                $100,000 mortgage loans with a term of 30 years, with 3.55% APR, the monthly payment will be $452.01 
 
 

Home Equity Loans
Loan to Value1st Mortgage with Credit Union
Variable APR*
1st Mortgage with Another Institution
Varialbe APR*
Up to 80% Prime = 3.25% Prime = 3.25%
 
81 - 90%Prime + 1.25% = 4.50%Prime + 2.25% = 5.50%
 
91% - 100%Prime + 2.50% = 5.75%Prime + 3.50% = 6.75%
 
Home MakeOver LoansAs Low As 2.16%


*Annual Percentage Rate. The maximum APR that may be imposed is 18%. Subject to credit approval. Some restrictions apply. Rates are variable and subject to change without notice monthly. Loan approval based on credit worthiness and ability to repay. Payments do not include taxes or insurance premiums. Rates, terms, and conditions subject to change without notice. Estimated Fees imposed: $65.00. Appraisal & Limited Title Search Fees may apply. 

Consumer Loans
Auto LoansAPR*TermPlease note........

Share Secured Loans


1.55%

Rate adjusted annually based
on current APY
 



Secured Loans**



As Low As 1.99%



Up to 72 Mths
Full Coverage Insuranace Required
Add on for Tax and Licensing
100% Financing
90 Days to First Payment- Interest will continue to accrue during the period in which no payment is due
 

Previously Salvaged Titled Vehicle

7.25%

Up to 60 Mths

70% of Retail Value
 


Classic Cars


9.25%


Up to 72 Mths


50% of Classic Car Value "Good"

 

Unsecured Loans**


As Low As 9.90%

Up to 72 Mths

Maximum $15,000





Overdraft Protection Loans**


As Low As 9.90%

Line of Credit

Credit Limits of $500 - $5,000
 

Vacation Loans
Up to $3,000

7.50%

12 Months
Borrow $3,000 for a term of 12 months with an7.50% APR
the monthly payment will be $261.31
 

Platinum MasterCard
$2,000 - $10,000
New Cards Only

6.00% Introductory Rate for 24 billing cycles
After 24 billing cycles the discounted rate expries and the APR on existing balances will increase to the new non-disconted rate of 9.90% APR on the next billing cycle





Education Assistance

7.25% Variable***

Line of Credit

$10,000 Annually
$40,000 per householdThe
 


*Annual Percentage Rate. The Maximum APR that may imposed is 18%. **Rates may be higher, depending on your credit history and other underwriting factors. Our loan officers will discuss your application and available rates with you. Rates, Terms and Conditions are subject to change without notice and based on credit worthiness, qualifications and collateral. Some restrictions apply. Subject to credit approval. 
***Education AssistanceAnnual Percentage Rate (APR) is based on The Wall Street Journal Prime Rate (Index) plus 4%. The APR is subject to change on the first day of each month to reflect any change to the Index. The APR will never be greater than 8.75%. Any increase in the APR will result in additional payments until what you owe has been repaid.  
FDIC
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