Low Rate Auto Loans

Rate Type
Type
apr
Up to 72 Months
Fixed
2.74%
Effective Date: 06/01/2017

Auto Rates

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Rate Type
Type
apr
60 Mo.
Fixed
2.74%
72 Mo.
Fixed
2.74%
84 Mo.
Fixed
4.49%
60 Mo.
Variable
2.74%
72 Mo.
Variable
2.99%
84 Mo.
Variable
3.74%
60 Mo.
Vanishing
2.99%
Effective Date: 03/01/2017

APR is Annual Percentage Rate. Loans offered on approved credit, not all members will qualify. For all autos and trucks 6 years or older add 1/4% for each year over 6 years.
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.

Boats – Trailers – Motor Homes

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Rate Type
Type
apr
72 Mo.
Fixed
4.49%
84 Mo.
Fixed
4.74%
120 Mo.
Fixed
5.49%
Up to 120 Months
Variable
4.49%
Effective Date: 01/01/2016

APR is Annual Percentage Rate. Loans offered on approved credit, not all members will qualify. For all autos and trucks 6 years or older add 1/4% for each year over 6 years.
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.

ATV’s – Jet Skis – Motorcycles

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Rate Type
Type
apr
60 Mo.
Fixed
3.99%
72 Mo.
Fixed
4.24%
Up to 72 Months
Variable
4.49%
Effective Date: 01/01/2016

APR is Annual Percentage Rate. Rate subject to credit approval, 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

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Term
Type
Interest Rate
apr
Origination Fee
30 Years
FHA
3.50%
4.299%
0.00%
30 Years
Conventional
4.00%
4.098%
0.00%
15 Years
Conventional
3.25%
3.493%
1.00%
30 Years
15/7 Balloon
3.50%
3.586%
1.00%
15 Years
15/7 Balloon
3.25%
3.475%
1.00%
Effective Date: 02/01/2016

APR = Annual Percentage Rate. APR’s are estimated on a $200,000 loan amount with 80% Loan-to-Value. Rates are subject to change based on market conditions.

Second Mortgage Rates

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Term
Type
apr
5 Years
Second Mortgage
3.990%
7 Years
Second Mortgage
4.240%
10 Years
Second Mortgage
4.490%
12 Years
Second Mortgage
4.740%
15 Years
Second Mortgage
4.99%
Effective Date: 01/01/2016

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

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Term
Type
apr
5 Years *
Short Term Mortgage
2.34%
7 Years *
Short Term Mortgage
2.59%
10 Years *
Short Term Mortgage
3.09%
12 Years *
Short Term Mortgage
3.34%
5 Years
Short Term Mortgage
2.74%
7 Years
Short Term Mortgage
2.99%
10 Years
Short Term Mortgage
3.49%
12 Years
Short Term Mortgage
3.74%
Effective Date: 04/01/2016

* With 1% Origination Fee

Loans extended on primary residences only with a maximum loan to value of 80%.

Home Equity Line of Credit

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Term
Type
LTV
Max Amount
apr
Open-End
Variable
Up to 100%
50,000
4.75%
Open-End
Variable
Up to 80%
250,000
4.75%
Effective Date: 01/01/2016

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.

Certificate Rates

Certificate Term / Type
Minimum Balance
Dividend Rate
apy
6 Months / Regular
$500
0.70%
.70%
12 Months / Regular
$500
1.09%
1.10%
18 Months / Regular *
$500
1.24%
1.25%
24 Months / Regular
$500
1.49%
1.50%
30 Months / Regular **
$500
1.79%
1.80%
36 Months / Regular
$500
1.74%
1.75%
48 Months / Regular
$500
1.98%
2.00%
60 Months / Regular
$500
2.47%
2.50%
Effective Date: 03/01/2017

*18 month certificates available to Alumni members (age 55+) at the 24 month rate published above.

**30 month promotional rate CD will renew at a 36 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 withdrawal.

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: 05/01/2017

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

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Rate Type
Type
apr
12 Mo.
Fixed
5.99%
36 Mo.
Fixed
6.99%
48 Mo.
Fixed
7.99%
Up to 48 Months
Variable
6.99%
Overdraft Line of Credit
Fixed
18.00%
Effective Date: 02/01/2016

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

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Rate Type
Type
apr
Visa Platinum Awards
Variable
9.74%
Visa Platinum Low Rate
Variable
8.24%
Effective Date: 01/01/2017

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 Awards

9.74% 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.

Visa Platinum

8.24% 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.

APR for Balance Transfers Visa Platinum Awards
4.99% Introductory APR for a period of 18 billing cycles
After that your APR will be 9.74% 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 8.24% 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
9.74% 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.Visa Platinum
8.24% 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.
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 payment

How 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 January 1, 2017
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.