Rates

Rates

As of  12/1/2021
All rates and terms are subject to change without notice.

Savings Rates

All dividends are calculated by the average daily balance method and paid monthly. A penalty is imposed for early withdrawal.

Account Type Rate APY*
Regular Share Accounts 0.25% 0.25%
Christmas & Vacation Club 0.50% 0.50%
Super Savings Account
$10,000.00 - $49,999.99 0.30% 0.30%
$50,000.00 - $99,999.99 0.40% 0.40%
$100,000.00 & above 0.50% 0.50%
Money Market Accounts
$10,000.00 - $24,999.99 0.40% 0.40%
$25,000.00 - $49,999.99 0.50% 0.50%
$50,000.00 & above 0.60% 0.60%
IRA Share 1.00% 1.00%

IRA Term Share Certificates

Terms Account Balance Dividend Rate APY*
12 Months $500 Min. Deposit 1.10% 1.11%
24 Months $500 Min. Deposit 1.30% 1.31%
36 Months $500 Min. Deposit 1.39% 1.40%

Term Share Certificates

Terms Account Balance Dividend Rate APY*
6 Months $500 Min. Deposit .55% 0.55%
12 Months $500 Min. Deposit 1.00% 1.00%
18 Months $500 Min. Deposit 1.15% 1.16%
24 Months $500 Min. Deposit 1.20% 1.21%
36 Months $500 Min. Deposit 1.25% 1.26%

Loan Rates

Loan Type APR*
Secured Loans (Vehicles, Boats, Motorcycles, RVs*):
0 - 48 Months 2.99% - 14.00%
49 - 75 Months 2.99% - 15.00%
76 - 84 Months 4.75% - 13.50%
*85 - 120 Months - New & Used RVs Only 7.95% - 17.95%
Unsecured Loans (Signature):
Up to 60 Months 9.99% - 17.99%
Line of Credit 9.99% - 17.99%
Share Certificate Secured Loans:
Up to 36 Months Share Certificate Rate +2.50%
Share Secured Loans:
0 - 48 Months 6.00%

Real Estate Loan Rates

Loan Type APR*
Purchase & Refinance Term:
120 - 360 Months 2.85% - 8.00%
Jumbo Loans ($548,250 - $799,999):
120 - 360 Months 2.85% - 8.00%
Super Jumbo Loans ($800,000+):
120 - 360 Months 3.20% - 8.35%
Land/Lots:
60 - 180 Months 5.00% - 9.50%
Investment Property/$49,999 Cap:
60 - 180 Months 3.00% - 7.25%
Home Equity:
60 - 240 Months 3.60% - 9.75%

Credit Card Rates

Platinum Credit Card
Intro Rate: 4.99% APR* for 6 months
Rate: 7.99% - 13.99% APR*
Classic Credit Card
Intro Rate: 9.99% APR* for 6 months
Rate: 14.99% - 15.99% APR*

Intro and Fixed APRs* listed are the Credit Union’s standard rates. Rates may vary depending on each borrower’s credit history and underwriting factors.

The APY* assumes that funds remain on deposit at least one full year. A withdrawal will reduce earnings. We use the Average Daily Balance method to calculate dividends on your account.

1. Nature of Dividends: Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. Note: Not applicable for Certificate of Deposit (Term Share) Accounts.

2. Early Withdrawal Penalty for Certificates of Deposit Accounts: We may impose a penalty if you withdraw any of the principal before the maturity date, or the renewal date, if this is a renewable account.

3. Rate Information: The Dividend Rate and APY* on your accounts are set forth above. The APY* is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. Withdrawal of dividends or early withdrawal of principal will reduce the APY*. The Dividend Rate and APY* may change at any time.

*APY = Annual Percentage Yield