Rates


Auto Loans

Loan Term
TypeAPR as low as
Effective Date - 5/1/2018
60 MonthsFixed3.49%
72 MonthsFixed3.74%
84 MonthsFixed4.74%
60 MonthsVariable3.24%
72 MonthsVariable3.49%
84 MonthsVariable4.49%
60 MonthsVanishing3.74%
72 MonthsVanishing3.99%
84 MonthsVanishing4.99%
APR is Annual Percentage Rate. Loans offered on approved credit, not all members will qualify.

Your rate may vary based on your credit score and the credit union services you use. Rates and terms are subject to change. The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time.

On Variable Rate loans the index is based on the “U.S. Prime Rate” as listed in the “Money Section of the Wall Street Journal on the third Wednesday of March, June, September and December plus a margin to be disclosed in your closing documents. The APR will never be greater than 18.00%.  Any interest rate increase will result in more payments of the same amount until the amount owed has been repaid.

RVs - Boats-ATVs-Trailers-Motorcycles

Loan Term
TypeAPR as low as
Effective Date - 5/1/2018
72 monthsFixed4.99%
72 monthsVariable4.74%
84 monthsFixed4.99%
84 monthsVariable4.74%
120 monthsFixed5.74%
Up to 120 monthsVariable5.24%
APR is Annual Percentage Rate. Loans offered on approved credit, not all members will qualify.
Your rate may vary based on your credit score and the credit union services you use. Rates and terms are subject to change. The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time.

Personal Loans

Rate Type
TypeAPR
Effective Date - 5/1/2018
12 monthsFixed6.24%
36 monthsFixed7.24%
48 monthsFixed8.24%
Up to 48 monthsVariable7.24%
Overdraft Line of CreditFixed 18.00%
APR is Annual Percentage Rate. Your rate may vary based on your credit score and the credit union services you use. Rates and terms are subject to change. The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time.

Platinum VISA

Rate Type
TypeAPR
Effective Date - 5/1/2018
VISA Platinum Awards
Variable10.24%
VISA Platinum Low RateVariable8.74%
APR is Annual Percentage Rate. All account terms are governed by the Cardholder Agreement. Account and Agreement terms are not guaranteed for any period of time: all terms may change in accordance with the Agreement and applicable laws.

See the following VISA Disclosures:

VISA Application and Solicitation

VISA Cardholder Agreement

1st Mortgages Loans

Loan Term
TypeInterest RateAPROrigination Fee
Effective Date - 5/1/2018
30 YearsFHA3.50%4.29%0.00%
30 YearsConventional4.00%4.098%0.00%
30 Years*7/1 ARM3.50%3.586%1.00%
APR is Annual Percentage Rate. APRs are estimated on a $200,000 loan amount with 80% loan-to-value.
*Call for Current Rates. Your rate may vary based on your credit score. Rates are subject to change based on market conditions and without notice.

Short Term 1st Mortgage Loans

Loan Term
TypeAPROrigination Fee
Effective Date 5/1/2018
5 YearsShort Term Mortgage3.09%1.00%
7 YearsShort Term Mortgage3.09%1.00%
10 YearsShort Term Mortgage3.34%1.00%
12 Years
Short Term Mortgage3.59%1.00%
5 yearsShort Term Mortgage3.49%0.00%
7 yearsShort Term Mortgage3.49%0.00%
10 YearsShort Term Mortgage3.74%0.00%
12 YearsShort Term Mortgage3.99%0.00%
APR is Annual Percentage Rate. APRs are estimated on a $200,000 loan amount with 80% loan-to-value.
*Call for Current Rates. Your rate may vary based on your credit score. Rates are subject to change based on market conditions and without notice.

2nd Mortgages/Fixed Rate Home Equity Loans

Loan Term
TypeAPR*Origination Fee
Effective Date 5/1/2018
5 YearsConventional4.24%1.00%
7 YearsConventional4.49%1.00%
10 YearsConventional4.74%1.00%
12 Years
Conventional4.99%1.00%
15 yearsConventional5.24%1.00%
APR is Annual Percentage Rate.
*Call for Current Rates. Your rate may vary based on your credit score and the services you use. . Rates are subject to change based on market conditions and without notice. The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time.

Home Equity Line-of-Credit Loans

Loan Term
TypeLoan-to-ValueMaximum AmountAPR
Effective Date - 5/1/2018
Open-EndVariable RateUp to 100%$50,0005.00%
Open-EndVariable RateUp to 80%$250,0005.00%
APR is Annual Percentage Rate. All loans subject to credit approval and pricing. Your rate may vary based on your credit score and the credit union services you use. Rates and terms are subject to change. The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time.  Rate is variable to a maximum of 18%

Savings Rates

Account Type
Minimum BalanceDividend RateAPY
Effective Date - 5/1/2018
Regular Shares/Savings$0.01.10%.10%
Christmas Savings$0.01.10%.10%
IRA (Individual Retirement Account) and HSA (Health Savings Accounts)$0.01.20%.20%
IRA and HSA $5000.20%.20%
IRA and HSA$20000
.25%.25%
Money Market Account (MMA)$25.10%.10%
MMA$2,500.15%.15%
MMA$10,000.15%.15%
MMA$25,000.20%.20%
MMA$50,000.20%.20%
MMA$100,000.25%.25%
MMA$250,000.25%.25%
APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are compounded and credited monthly. *Minimum balance requirements apply to average daily balance (amount of principal in account each day). **All savings rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.

Savings Certificate Rates

Regular and IRA Certificates - Term
Minimum BalanceDividend RateAPY
Effective Date - 5/1/2018
12 months$5001.74%1.75%
18 months*$5001.83%1.85%
24 months$5002.08%2.10%
36 months$5002.23%2.25%
48 months$5002.47%2.50%
60 months$5003.15%3.20%
*18 month certificates available to Alumni members (age 55+) at the 24 month rate published above.
APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Certificate dividends are compounded and credited monthly. Minimum balance requirements apply to average daily balance (amount of principal in account each day).
Penalties may be imposed for early withdrawals. The penalty is 90 days dividends on a term of 12 months or less, 180 days of dividends on terms of more than 12 months but less than 48 months and 365 days of dividends on terms 48 months or more.
Personal Loans

Auto Loans

Loan Term
TypeAPR as low as
Effective Date - 5/1/2018
60 MonthsFixed3.49%
72 MonthsFixed3.74%
84 MonthsFixed4.74%
60 MonthsVariable3.24%
72 MonthsVariable3.49%
84 MonthsVariable4.49%
60 MonthsVanishing3.74%
72 MonthsVanishing3.99%
84 MonthsVanishing4.99%
APR is Annual Percentage Rate. Loans offered on approved credit, not all members will qualify.

Your rate may vary based on your credit score and the credit union services you use. Rates and terms are subject to change. The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time.

On Variable Rate loans the index is based on the “U.S. Prime Rate” as listed in the “Money Section of the Wall Street Journal on the third Wednesday of March, June, September and December plus a margin to be disclosed in your closing documents. The APR will never be greater than 18.00%.  Any interest rate increase will result in more payments of the same amount until the amount owed has been repaid.

RVs - Boats-ATVs-Trailers-Motorcycles

Loan Term
TypeAPR as low as
Effective Date - 5/1/2018
72 monthsFixed4.99%
72 monthsVariable4.74%
84 monthsFixed4.99%
84 monthsVariable4.74%
120 monthsFixed5.74%
Up to 120 monthsVariable5.24%
APR is Annual Percentage Rate. Loans offered on approved credit, not all members will qualify.
Your rate may vary based on your credit score and the credit union services you use. Rates and terms are subject to change. The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time.

Personal Loans

Rate Type
TypeAPR
Effective Date - 5/1/2018
12 monthsFixed6.24%
36 monthsFixed7.24%
48 monthsFixed8.24%
Up to 48 monthsVariable7.24%
Overdraft Line of CreditFixed 18.00%
APR is Annual Percentage Rate. Your rate may vary based on your credit score and the credit union services you use. Rates and terms are subject to change. The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time.

Platinum VISA

Rate Type
TypeAPR
Effective Date - 5/1/2018
VISA Platinum Awards
Variable10.24%
VISA Platinum Low RateVariable8.74%
APR is Annual Percentage Rate. All account terms are governed by the Cardholder Agreement. Account and Agreement terms are not guaranteed for any period of time: all terms may change in accordance with the Agreement and applicable laws.

See the following VISA Disclosures:

VISA Application and Solicitation

VISA Cardholder Agreement

Home Loans

1st Mortgages Loans

Loan Term
TypeInterest RateAPROrigination Fee
Effective Date - 5/1/2018
30 YearsFHA3.50%4.29%0.00%
30 YearsConventional4.00%4.098%0.00%
30 Years*7/1 ARM3.50%3.586%1.00%
APR is Annual Percentage Rate. APRs are estimated on a $200,000 loan amount with 80% loan-to-value.
*Call for Current Rates. Your rate may vary based on your credit score. Rates are subject to change based on market conditions and without notice.

Short Term 1st Mortgage Loans

Loan Term
TypeAPROrigination Fee
Effective Date 5/1/2018
5 YearsShort Term Mortgage3.09%1.00%
7 YearsShort Term Mortgage3.09%1.00%
10 YearsShort Term Mortgage3.34%1.00%
12 Years
Short Term Mortgage3.59%1.00%
5 yearsShort Term Mortgage3.49%0.00%
7 yearsShort Term Mortgage3.49%0.00%
10 YearsShort Term Mortgage3.74%0.00%
12 YearsShort Term Mortgage3.99%0.00%
APR is Annual Percentage Rate. APRs are estimated on a $200,000 loan amount with 80% loan-to-value.
*Call for Current Rates. Your rate may vary based on your credit score. Rates are subject to change based on market conditions and without notice.

2nd Mortgages/Fixed Rate Home Equity Loans

Loan Term
TypeAPR*Origination Fee
Effective Date 5/1/2018
5 YearsConventional4.24%1.00%
7 YearsConventional4.49%1.00%
10 YearsConventional4.74%1.00%
12 Years
Conventional4.99%1.00%
15 yearsConventional5.24%1.00%
APR is Annual Percentage Rate.
*Call for Current Rates. Your rate may vary based on your credit score and the services you use. . Rates are subject to change based on market conditions and without notice. The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time.

Home Equity Line-of-Credit Loans

Loan Term
TypeLoan-to-ValueMaximum AmountAPR
Effective Date - 5/1/2018
Open-EndVariable RateUp to 100%$50,0005.00%
Open-EndVariable RateUp to 80%$250,0005.00%
APR is Annual Percentage Rate. All loans subject to credit approval and pricing. Your rate may vary based on your credit score and the credit union services you use. Rates and terms are subject to change. The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time.  Rate is variable to a maximum of 18%
Savings

Savings Rates

Account Type
Minimum BalanceDividend RateAPY
Effective Date - 5/1/2018
Regular Shares/Savings$0.01.10%.10%
Christmas Savings$0.01.10%.10%
IRA (Individual Retirement Account) and HSA (Health Savings Accounts)$0.01.20%.20%
IRA and HSA $5000.20%.20%
IRA and HSA$20000
.25%.25%
Money Market Account (MMA)$25.10%.10%
MMA$2,500.15%.15%
MMA$10,000.15%.15%
MMA$25,000.20%.20%
MMA$50,000.20%.20%
MMA$100,000.25%.25%
MMA$250,000.25%.25%
APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are compounded and credited monthly. *Minimum balance requirements apply to average daily balance (amount of principal in account each day). **All savings rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.
Savings Certificates

Savings Certificate Rates

Regular and IRA Certificates - Term
Minimum BalanceDividend RateAPY
Effective Date - 5/1/2018
12 months$5001.74%1.75%
18 months*$5001.83%1.85%
24 months$5002.08%2.10%
36 months$5002.23%2.25%
48 months$5002.47%2.50%
60 months$5003.15%3.20%
*18 month certificates available to Alumni members (age 55+) at the 24 month rate published above.
APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Certificate dividends are compounded and credited monthly. Minimum balance requirements apply to average daily balance (amount of principal in account each day).
Penalties may be imposed for early withdrawals. The penalty is 90 days dividends on a term of 12 months or less, 180 days of dividends on terms of more than 12 months but less than 48 months and 365 days of dividends on terms 48 months or more.
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