Checking And Savings Rates

Deposit AccountAPY**Minimum Opening DepositCredited
Checking .25% $25.00 Monthly
Dividend Earned on Average Balance of $300.00 or more.
Savings .90% $25.00 Monthly
Holiday Account .90% $0.00 Annually
IRA 12 Month Certificate 1.45% $100.00 Monthly
1 Year Share Certificate 1.45% $5,000.00 Monthly
2 Year Share Certificate 1.65% $5,000.00 Monthly

Checking & Savings Account Disclosures

**APY = Annual Percentage Yield. Annual Percentage Yield is an annualized rate that reflects estimated dividend earnings based on dividend rate and frequency of compounding. Annual Percentage Yields are subject to change without notice, and accurate as of last dividend declaration date. Rates may change after account opening. Fees could reduce earnings.

Federally insured by the NCUA

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Share Certificates

**APY = Annual Percentage Yield. Annual Percentage Yield is an annualized rate that reflects estimated dividend earnings based on dividend rate and frequency of compounding. Annual Percentage Yields are subject to change without notice. Accurate as of 07/01/17.

  • Early withdrawal penalty applies and may result in loss of dividends and principal:
    • Term of 1 Year – 120 day
    • Term of 2 Year – 180 days
  • Fees could reduce earnings
  • Offering rates may change
  • Dividends compounded monthly, credited monthly
  • Additional deposits not allowed
  • Automatically renewable

Federally insured by the NCUA

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Mortgage Rates

Loan TypeAPR*Details
Adjustable Rate Mortgage As Low As 2.90% Closing Costs‡ waived if loan remains open for 36 months. Variety of repayment terms available. Contact our mortgage lending department for more information.
Construction Loans Call credit union for terms.
15, 20 & 30 Year Fixed Rate These loans are available on the secondary market. The Credit Union retains the servicing of these loans.
Term Buster Fixed Rate Mortgage As Low As 2.60% Closing Costs‡ waived if loan remains open for 36 months. Variety of repayment terms available. Contact our mortgage lending department for more information.

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Mortgage Loan Disclosures

Note: scroll to view entire disclosure.

*APR = Annual Percentage Rate. The maximum APR that may be imposed is 18%. Subject to credit approval. Rates and rebates subject to change without notice. Loan approval, based on creditworthiness and ability to repay. Other terms and conditions may apply. Advertised rates and terms are subject to change at any time without notice.

Property insurance required.

Mortgage Lending Area: Nebraska, Iowa, Missouri, Colorado, Wyoming, Kansas, Oklahoma, South Dakota. Appraisals required on all purchases. Financing up to 80% of purchase price or appraised value, whichever is less. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment.

ARM = Adjustable Rate Mortgage: Interest rate is variable. Subject to change after a predetermined period and may increase during the life of the loan.

Adjustable Rate Mortgage Payment Example/ 6 Year ARM (Payments do not include taxes or insurance premiums):

PeriodsRate %Principle & Interest Payment
First 72 Months 2.500 $355.61
Following 72 Months 4.000 $416.09
Following 72 Months 5.500 $467.37
Following 72 Months 7.000 $505.83
Final 72 Months 8.500 $527.06

15, 20 and 30 Year Fixed Rate Mortgages are available on the secondary market. The Credit Union retains the servicing on these loans. Some restrictions apply. Subject to credit approval.

‡Closing costs include: Application Fee, Termite Inspection, Credit Report, and Flood Certification. Closing costs are waived initially but later charged if the loan is paid off prior to the 36 months.

Payment Example (Payments do not include taxes or insurance premiums):

  • $150,000 balloon mortgage loan with a 3.550% APR, the monthly payment will be $742.80 for 179 payments, with a balloon payment of $79,794.92 due in 15 years.
  • $100,000 mortgage loan with a term of 15 years, with a 3.55% APR, the monthly payment will be $717.51
  • $100,000 mortgage loan with a term of 20 years, with a 3.55% APR, the monthly payment will be $582.70
  • $100,000 mortgage loan with a term of 30 years, with a 3.55% APR, the monthly payment will be $452.01

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Home Equity Line Of Credit (HELOC) Rates

Loan TypeAPR*Details
Open-End Line of Credit As Low As 4.25%1 Up to 100% of Appraised Home Value less other liens. Estimated fees imposed: $65.002

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Home Equity Line Of Credit (HELOC) Disclosures

*APR = Annual Percentage Rate. Subject to credit approval. Rates subject to change without notice.

1Home Equity Line of Credit rate is variable and subject to increase after consummation.

2Appraisal & Limited Title Search Fees may apply to some HELOC and Home Makeover loans.

Mortgages available in Nebraska, Iowa, Missouri, Colorado, Wyoming, Kansas, Oklahoma, South Dakota.

Loan approval, based on creditworthiness and ability to repay.

Property insurance required.

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Home Makeover Rates

Loan TypeAPR*Details
For home repairs and remodeling projects.
Loan amounts of $5,000 – $30,000
As Low As 3.16% Up to 100% of Appraised Home Value less other liens. Estimated fees imposed: $65.002

View Home Makeover Rate Disclosures

Home Makeover Loan Disclosures

*APR = Annual Percentage Rate. Subject to credit approval. Rates subject to change without notice.

2Appraisal & Limited Title Search Fees may apply to some HELOC and Home Makeover loans.

Mortgages available in Nebraska, Iowa, Missouri, Colorado, Wyoming, Kansas, Oklahoma, South Dakota.

Loan approval, based on creditworthiness and ability to repay.

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Auto And Recreational Vehicle Rates

Loan TypeTermAPR*Conditions
New Auto Up to 72 Months As Low As 1.84% 100% of NADA Book Retail Value.
Full Coverage Insurance Required.
Add on for Tax & Licensing.
Up to 90† Days to First Payment.
Used Auto Up to 72 Months As Low As 1.84%
Motorcycles, Jet Ski, ATV & Boat Up to 72 Months As Low As 1.84%
RV, Camper, 5th Wheel Up to 96 Months As Low As 3.84% Up to $50,000
Up to 120 Months As Low As 4.84% $50,001 and over
Previously Salvaged Vehicles Up to 60 Months 7.25% 70% of NADA Book Retail Value.
Classic Cars Up to 72 Months 9.25% 50% of Classic Car Value “Good.”

View Auto, Motorcycle, Jet Ski, ATV & Boat Rate Disclosures | View RV, 5th Wheel & Travel Trailer Rate Disclosures

Auto, Motorcycle, Jet Ski, ATV and Boat Disclosure

*APR = Annual Percentage Rate. Rates and terms will vary depending on the applicant’s credit score, age of the vehicle, amount and term of the loan. Our loan officers will discuss your application and available rate with you. All loans are subject to credit approval. Other terms and conditions may apply. Advertised rates and term are subject to change at any time without notice. The maximum APR that may imposed is 18%.

  • 100% financing available unless otherwise stated.
  • Add on for Tax and Licensing.
  • Full coverage insurance required on vehicle loans.
  • †90 Days to First Payment — Interest will continue to accrue during the period in which no payment is due.

Payment Examples:

  • $20,000 new car loan with a term of 72 months at 1.84% APR, payment deferred for 90 days, the monthly payment will be $294.49.
  • $15,000 previously salvaged title car loan with a term of 60 months at 7.25% APR, the monthly payment will be $298.86.
  • $12,000 classic car loan with a term of 72 months at 9.25% APR, the monthly payment will be $217.87.

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Auto, Motorcycle, Jet Ski, ATV and Boat Disclosure

*APR = Annual Percentage Rate. Rates and terms will vary depending on the applicants credit score, age of the vehicle, amount and term of the loan. Out loan officers will discuss your application an available rate with you. All loans are subject to credit approval. Other terms and conditions may apply. Advertised rates and terms are subject to change at any time without notice. The maximum APR that may imposed in 18%.

  • 100% financing available unless otherwise stated.
  • Add on for Tax and Licensing.
  • Full coverage insurance required on vehicle loans.
  • †90 Days to First Payment — Interest will continue to accrue during the period in which no payment is due.

Payment Examples:

  • $45,000 new 5th Wheel loan with a term of 96 months at 3.74% APR, payment deferred 90 days, the monthly payment will be $546.51.
  • $75,000 new RV with a term of 120 months at 4.74% APR, the monthly payment will be $786.18.

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Personal Loan Rates

Loan TypeTermAPR*Conditions
Personal Loan Up to 72 Months As Low As 10.00% Maximum $30,000
Vacation Loan 12 Months 7.50% Maximum $3,000

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Personal and Vacation Loan Disclosure

*APR = Annual Percentage Rate. Rates and terms will vary depending on the applicant’s credit score, amount and term of the loan. Our loan officers will discuss your application and available rate with you. All loans are subject to credit approval. Other terms and conditions may apply. Advertised rates and term are subject to change at any time without notice. The maximum APR that may imposed is 18%.

Payment Examples:

  • $3,000 vacation loan with a term of 12 months at 7.50% APR, the monthly payment will be $260.31.
  • $10,000 personal loan with a term of 72 months at 9.90% APR, the monthly payment will be $184.82.

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Platinum MasterCard Rates

Loan TypeIntroductory APRAPR*Disclosure
Credit Card 6.00%
Introductory Rate for 24 billing cycles.
9.90%
After 24 billing cycles the introductory discounted rate expires, and the APR on existing balances will increase to the non-discounted rate.
Disclosures for Platinum Credit Card