Rate Information

APR refers to the annual percentage rate or the dividend rate.
A
PY refers to the annual percentage yield.

Loan Rates

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Loan Calculator

Rates as of 10/01/2013.
Rate Description Term Payment Description APR APR Type
Share/Savings Secured 3.00% + Dividend Rate Call for rate Call for rate Fixed
Term Share Loan 3.00% + TS Rate Call for rate Call for rate Fixed
VISA Classic Platinum No annual fee; No transfer fee; No surprises   7.90% Fixed
VISA Share Secured Great for rebuilding credit 15.90% Fixed
Unsecured loan – Closed End – Up to 60 months 60 Months Catch up on bills, home repairs, etc. As low as 7.49% Fixed
New Car Loan  (2014 & 2015 models, may include TTL) 72 Months New Vehicle Loan
Rate as low as 1.99% APR, and 100% financing
Ask about additional qualifying rate discounts
As low as 1.99% Fixed
Used Car Loan (up to 8 Years Old (NADA Retail Value) may include TTL 60 Months Used Vehicle Loan
Rate
as low as 2.49% APR, 100% financing
Ask about additional qualifying rate discounts
As low as 2.49% Fixed
 Enterprise Car Sale (Get 1% discount off lowest qualifying rate) 60 Months   Rate as low as 1.49% APR, 100% financing
Ask about additional qualifying rate discounts
 
 As low as 1.49% Fixed 
$2,000 Seasonal Loan 12 Months Great for after Christmas, Easter, Back-to-school and many other benefits As low as 7.49% Fixed
Tuition loan K – 12 (Loan amount for actual tuition invoice amount) 9 or 12 Months Our low tuition loan rate saves you money and eases the burden on your budget 6.25% Fixed
Disaster Loan Up to 24 Months Special loan for disasters 12.00% Fixed
Home Equity Closed-end Loans Up to 60 months, up to $40,000 Call for Rate Call For Rate Fixed
Home Equity Closed-end Loans Up to 120 months, up to $60,000 Call for Rate Call For Rate Fixed

DISCLOSURES:
Any Discounts that may apply will reduce the published rates above.
Rates may be as high as 21% APR based upon info obtained from application & credit report.
Rates are subject to change without prior notice and may be different than those stated above.

Certificates

Rates as of 10/01/2013.
Rate Description Term Dividend Rates APY
Time Share Certificate ($1,000 Minimum deposit) 6 Months 0.50% 0.50%
Time Share Certificate ($1,000 Minimum deposit) 12 Months 0.75% 0.75%
Time Share Certificate ($1,000 Minimum deposit) 24 Months 1.00% 1.00%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty. 
Members should call the credit union to verify rates.
 
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates

Rates as of 10/01/2013.
Rate Description Term Dividend Rates APY
Savings/Share Accounts with balances from $100.01 to $5,000.00 Dividend Paid Quarterly 0.10% 0.10%
Savings/Share Accounts with balances from $5,000.01 to $25,000.00 Dividend Paid Quarterly 0.15% 0.15%
Share/Savings Accounts with balances $25,000.01 and over Dividends Paid Quarterly 0.20% 0.20%
Christmas Club Accounts with balance of $100.01 to $1,000.00 12 Months, Dividend Paid Quarterly 0.25% 0.25%
Christmas Club Account with balances from $1,000.01 to $5,000.00 12 Months, Dividend Paid Quarterly 0.30% 0.30%
Christmas Club Accounts with balance over $5,000.01 12 Months, Dividend Paid Quarterly 0.40% 0.40%
Vacation Club Accounts with Balances from $100.01 to $1,000.00 12 Months, Dividend Paid quarterly 0.25% 0.25%
Vacation Club Accounts with Balances from $1,000.01 to $5,000.00 12 Months, Dividend Paid Quarterly 0.30% 0.30%
Vacation Club Accounts with Balances over $5,000.01 12 Months, Dividend Paid Quarterly 0.40% 0.40%

Members should call the credit union to verify rates. 
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Share Draft

Rates as of 10/01/2013.
Rate Description Term Dividend Rates APY
Share Draft Checking $100.01 To $10,000.00 Dividend Paid monthly. No Min. Bal. Required 0.10% 0.10%
Share Draft/Checking Over $10,000.01 Dividend Paid Monthly, No Min. Bal. Required 0.15% 0.15%

Members should call the credit union to verify rates. 
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.