Checking And Savings Rates Rates Effective 01/01/20
| Deposit Account | APY** | Minimum Opening Deposit † | Credited |
|---|---|---|---|
| Checking | .25% | $25.00 | Monthly Dividend Earned on Average Balance of $300.00 or more. |
| Savings | 1.55% | $25.00 | Monthly |
| Holiday Account | 1.55% | $0.00 | Annually |
| IRA 12 Month Certificate | 2.30% | $100.00 | Monthly |
| 1 Year Share Certificate | 2.30% | $5,000.00 | Monthly |
| 2 Year Share Certificate | 2.65% | $5,000.00 | Monthly |
Mortgage Rates Rates Effective 01/01/20
| Loan Type | APR* | Details |
|---|---|---|
| Balloon Mortgage | As Low As 3.45% | Contact Credit Union for Terms |
| Adjustable Rate Mortgages | As Low As 3.15% | Closing Costs‡ waived if loan remains open for 36 months. Variety of repayment terms available. Contact our mortgage lending department for more information. |
| 15, 20 & 30 Year Fixed Rate | Please call for rates | These loans are available on the secondary market. The Credit Union retains the servicing of these loans. |
| Term Buster Fixed Rate Mortgages | As Low As 2.70% | Closing Costs‡ waived if loan remains open for 36 months. Variety of repayment terms available. Contact our mortgage lending department for more information. |
| Permanent financing of construction loans is available. Contact the credit union for more information! |
Home Equity Line Of Credit (HELOC) Rates Rates Effective 01/01/20
| Loan Type | APR* | Details |
|---|---|---|
| Open-End Line of Credit | As Low As 4.75%¹ | Up to 100% of Appraised Home Value less other liens. Estimated fees as low as $180.00² |
Home Makeover Rates Rates Effective 01/01/20
| Loan Type | APR* | Details |
|---|---|---|
| For home repairs and remodeling projects. Loan amounts of $5,000 – $50,000 |
As Low As 3.26% | Up to 100% of Appraised Home Value less other liens. Estimated fees: Minimum $132.00² |
Auto And Recreational Vehicle Rates Rates Effective 01/01/20
| Loan Type | Term | APR** | Conditions |
|---|---|---|---|
| New Auto | Up to 72 Months | As Low As 2.69% |
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 3.24% |
100% of NADA Book Retail Value. Full Coverage Insurance Required. Add on for Tax & Licensing. Up to 90† Days to First Payment. |
| Motorcycles, Jet Ski, ATV & Boat | Up to 36 Months Up to 48 Months Up to 72 Months |
As Low As 2.94% As Low As 3.24% As Low As 3.54% |
100% of NADA Book Retail Value. Full Coverage Insurance Required. Add on for Tax & Licensing. Up to 90† Days to First Payment. |
| RV, Camper, 5th Wheel | Up to 96 Months | As Low As 5.54% | Up to $50,000 |
| RV, Camper, 5th Wheel | Up to 120 Months | As Low As 6.54% | $50,001 and over |
| Previously Salvaged Vehicles | Up to 60 Months | 7.85% | 70% of NADA Book Retail Value. |
| Classic Cars | Up to 72 Months | 9.85% | 50% of Classic Car Value “Good.” |
View Auto, Motorcycle, Jet Ski, ATV & Boat Rate Disclosures View RV, 5th Wheel & Travel Trailer Rate Disclosures
Personal Loan Rates Rates Effective 01/01/20
| Loan Type | Term | APR** | Conditions |
|---|---|---|---|
| Personal Loan | Up to 72 Months | As Low As 9.00% | Maximum $30,000 |
| Vacation Loan | 12 Months | 7.50% | Maximum $3,000 |
| Share Secured Loan | Call Credit Union for terms | 2.55% | APR subject to change annually based on current share rate +1.00% |
| Overdraft Protection | As Low As 10.85% | Maximum $5,000 |
Platinum Rewards MasterCard Rates Effective 01/01/20
| Loan Type | APR** |
|---|---|
|
Platinum Rewards MasterCard® Credit Card
1.5% Cash Back on ALL purchases
|
As Low As 10.9%
|
*APR = Annual Percentage Rate.
**Rates are based on an evaluation of credit history. Your rate may differ. Rates quoted are lowest rate offered. Your rate may be higher depending on your credit history and other underwriting factors. Our loan officers will discuss your application and available rate(s) with you.
**APY = Annual Percentage Yield.
†Minimum balance required to earn the APY.
