Auto Loan Special
- Rate Type
- Type
- apr
- 60 Mo.
- Fixed
- 3.49%
Effective Date: 04/05/2018
Auto Rates
Apply Now- Rate Type
- Type
- apr
- 60 Mo.
- Fixed
- 3.49%
- 72 Mo.
- Fixed
- 3.74%
- 84 Mo.
- Fixed
- 4.74%
- 60 Mo.
- Variable
- 3.24%
- 72 Mo.
- Variable
- 3.49%
- 84 Mo.
- Variable
- 4.49%
- 60 Mo.
- Vanishing
- 3.74%
Effective Date: 04/05/2018
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.
RV’s – Boats – ATV’s – Trailers – Motorcycles
Apply Now- Rate Type
- Type
- apr
- 72 Mo.
- Fixed
- 4.99%
- 72 Mo.
- Variable
- 4.74%
- 84 Mo.
- Fixed
- 4.99%
- 84 Mo.
- Variable
- 4.74%
- 120 Mo.
- Fixed
- 5.74%
- Up to 120 Months
- Variable
- 5.24%
Effective Date: 04/05/2018
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.
First Mortgage Rates
Apply Now- Term
- Type
- Interest Rate
- apr
- Origination Fee
- 30 Years
- FHA
- 4.00%
- 4.060%
- 0.00%
- 30 Years
- Conventional
- 4.5%
- 4.548%
- 0.00%
- 30 Years *
- 7/1 ARM
- 3.875%
- 4.05%
- 1.00%
Effective Date: 04/01/2018
APR is Annual Percentage Rate. APR’s are estimated on a $250,000 loan amount with 80% Loan-to-Value.
*Call for Current Rates. Rates are subject to change based on market conditions.
Second Mortgage Rates
Apply Now- Term
- Type
- apr
- 5 Years
- Second Mortgage
- 4.24%
- 7 Years
- Second Mortgage
- 4.49%
- 10 Years
- Second Mortgage
- 4.74%
- 12 Years
- Second Mortgage
- 4.99%
- 15 Years
- Second Mortgage
- 5.24%
Effective Date: 04/01/2018
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.
Short Term Mortgage Rates
Apply Now- Term
- Type
- apr
- 5 Years *
- Short Term Mortgage
- 3.09%
- 7 Years *
- Short Term Mortgage
- 3.09%
- 10 Years *
- Short Term Mortgage
- 3.34%
- 12 Years *
- Short Term Mortgage
- 3.59%
- 5 Years
- Short Term Mortgage
- 3.49%
- 7 Years
- Short Term Mortgage
- 3.49%
- 10 Years
- Short Term Mortgage
- 3.74%
- 12 Years
- Short Term Mortgage
- 3.99%
Effective Date: 04/05/2018
* With 1% Origination Fee
APR is Annual Percentage Rate. Loans extended on primary residences only with a maximum loan to value of 80%. Your rate may vary based on your credit score. Rates and terms are subject to change.
Home Equity Line of Credit
Apply Now- Term
- Type
- LTV
- Max Amount
- apr
- Open-End
- Variable
- Up to 100%
- 50,000
- 5.00%
- Open-End
- Variable
- Up to 80%
- 250,000
- 5.00%
Effective Date: 04/05/2018
* 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%
Certificate Rates
- Certificate Term / Type
- Minimum Balance
- Dividend Rate
- apy
- 6 Months / Regular
- $500
- 1.24%
- 1.25%
- 12 Months / Regular
- $500
- 1.49%
- 1.50%
- 18 Months / Regular *
- $500
- 1.59%
- 1.60%
- 24 Months / Regular
- $500
- 1.59%
- 1.60%
- 36 Months / Regular
- $500
- 1.88%
- 1.90%
- 48 Months / Regular
- $500
- 2.08%
- 2.10%
- 60 Months / Regular
- $500
- 3.15%
- 3.20%
Effective Date: 04/05/2018
*18 month certificates available to Alumni members (age 55+) at the 24 month rate published above.
**22 month promotional rate (2.20% APY) CD will renew as a 24 month certificate at maturity.
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.
Savings
- Account Type
- Minimum Balance
- Dividend Rate
- apy
- regular
- $0.01
- 0.10%
- 0.10%
- christmas
- $0.01
- 0.10%
- 0.10%
- ira
- $0.01
- 0.20%
- 0.20%
- ira
- $5,000.00
- 0.20%
- 0.20%
- ira
- $20,000.00
- 0.25%
- 0.25%
- moneymarket
- $25.00
- 0.10%
- 0.10%
- moneymarket
- $2,500.00
- 0.15%
- 0.15%
- moneymarket
- $10,000.00
- 0.15%
- 0.15%
- moneymarket
- $25,000.00
- 0.20%
- 0.20%
- moneymarket
- $50,000.00
- 0.20%
- 0.20%
- moneymarket
- $100,000.00
- 0.25%
- 0.25%
- moneymarket
- $250,000.00
- 0.25%
- 0.25%
Effective Date: 04/01/2018
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.
Personal Loan Rates
Apply Now- Rate Type
- Type
- apr
- 12 Mo.
- Fixed
- 6.24%
- 36 Mo.
- Fixed
- 7.24%
- 48 Mo.
- Fixed
- 8.24%
- Up to 48 Months
- Variable
- 7.24%
- Overdraft Line of Credit
- Fixed
- 18.00%
Effective Date: 04/05/2018
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
Apply Now- Rate Type
- Type
- apr
- Visa Platinum Awards
- Variable
- 10.24%
- Visa Platinum Low Rate
- Variable
- 8.74%
Effective Date: 04/05/2018
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. View VISA Application Disclosure.
| INTEREST RATES AND CHARGES | |
|---|---|
| Annual Percentage Rate (APR) for Purchases |
Visa Platinum Awards10.24% to 18.00% Visa Platinum8.74% to 18.00% |
| APR for Balance Transfers | Visa Platinum Awards 4.99% Introductory APR for a period of 18 billing cycles After that your APR will be 10.24% to 18.00% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.Visa Platinum 4.99% Introductory APR for a period of 18 billing cycles After that your APR will be 8.74% to 18.00% based on your credit worthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | Visa Platinum Awards 10.24% to 18.00% when you open your account, based on your credit worthiness. This APR will vary with the market based on the Prime Rate.Visa Platinum 8.74% to 18.00% when you open your account, based on your credit worthiness. This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | Visa Platinum Awards 18.00%Visa Platinum 18.00% This APR may be applied to your account if you: – Make a late paymentHow Long will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore |
| Fees | |
| Annual Fee | None |
| Balance Transfer Fee | $0.00 |
| Cash Advance Fee | 1.50% of the amount of each cash advance ($2.00 minimum) |
| Foreign Transaction Fee | 1.00% of each multiple currency transaction in U.S. Dollars 0.80% of each single currency transaction in U.S. dollars |
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted to your account until after 18 billing cycles.
Loss of Introductory APR: We may end your Introductory APR for balance transfers and apply to the Penalty APR if you are 60 days late in making a payment.
Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.
Effective Date: The information about the costs of the card described in this application is accurate as of April 5, 2018
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES:
| Statement Copy Fee | $2.00 per document |
| Document Copy Fee | $15.00 per document |
| Rush Fee | $30.00 |
| Emergency Card Replacement Fee | $5.00 per card |
| Card Replacement Fee | $5.00 per card |
| Error Research Fee | $25.00 per hour minimum of $25.00. Not charged if error occurred |
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your VISA Cardholder Agreement and VISA Disclosure Statement.