Savings Rates
| Minimum Balance | APY1 | |
|---|---|---|
| Savings | $25.00 | 0.50%² |
| Holiday Club Account | $5.00 | 0.50%² |
|
Premium Savings ($10,000 - $49,999.99) |
$10,000.00 | 2.25%² |
|
Premium Savings ($50,000 and over) |
$50,000.00 | 2.50%² |
| Money Market Account ($2,500 and over) |
$2,500.00 | 2.00% |
| Premium Money Market Account ($10,000 and over) |
$10,000.00 | 2.25% |
| Accumulative IRA |
$1.00 | 2.00%² |
| Accumulative IRA ($10,000 and over) |
$10,000.00 | 2.50%² |
| Accumulative IRA ($50,000 and over) |
$50,000.00 | 2.75%² |
Rates are subject to change at any time without prior notice.
¹APY = Annual Percentage Yield and reflects the total amount of dividend paid based on the dividend rate and frequency of compounding for a 365 day period.
²Anticipated dividend rate. Dividends paid quarterly as declared by the board of directors.
| Minimum Opening Deposit | APY¹ | |
|---|---|---|
| 6-Month Share Certificate | $500.00 | 4.15% |
| 12-Month Share Certificate | $500.00 | 3.90% |
| 18-Month Share Certificate | $500.00 | 3.80% |
| 24-Month Share Certificate | $500.00 | 3.50% |
| 36-Month Share Certificate | $500.00 | 3.25% |
Rates are subject to change at any time without prior notice.
Restrictions may apply to Share Certificate Specials
¹APY = Annual Percentage Yield and reflects the total amount of dividend paid based on the dividend rate and frequency of compounding for a 365 day period.
| Minimum Balance | APY1 | |
|---|---|---|
| No Frills Checking | $25.00 | 0.00% |
| Plus Checking | $750.00 | 0.10% |
| Golden Years | $100.00 | 0.30% |
Rates are subject to change at any time without prior notice
¹APY = Annual Percentage Yield and reflects the total amount of dividend paid based on the dividend rate and frequency of compounding for a 365 day period.
Loan Rates
| Term | APR* | Origination Fee | Max LTV | |
|---|---|---|---|---|
| Balloon Mortgages | 7 Years | As low as 5.99% | 1.25% | 95% |
| Balloon Mortgages | 10 Years | As low as 6.24% | 1.25% | 95% |
| 15 year Conventional, FHA, VA, USDA | 15 Years | Call for rates | Call for fees | 97% |
| 30 year Conventional, FHA VA, USDA | 30 Years | Call for rates | Call for fees | 97% |
| Fixed Rate Home Equity Loan | 5 Years | As low as 6.365% | 1.25% | 95% |
| Fixed Rate Home Equity Loan | 10 Years | As low as 6.490% | 1.25% | 95% |
Balloon Mortgages: Payments based on a 30 year amortization. Final balloon payment equals the remaining balance of the loan.
*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change without prior notice.
| Term | APR* | Origination Fee | Max LTV | |
|---|---|---|---|---|
| Home Equity Line of Credit | 20 Years (5 Year Draw Period, 15 Year Repayment Period) | Variable based upon Prime Rate and member credit score | Waived | 95% |
HELOC Introductory Rate - 12 months - 5.99%
After 12-months, rate changes to a Prime Rate index based upon member’s credit score
Rates are subject to change at anytime without prior notice.
Other rates, terms and conditions may apply.
*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change without prior notice.
| APR* 48 Months | APR* 63 Months | APR* 75 Months | APR* 84 Months | |
|---|---|---|---|---|
| New Automobiles (up to 25,000 miles) | As low as 4.99% | As low as 5.19% | As low as 5.49% | As low as 6.89% |
| Used Automobiles (25,001 - 100,000 miles | As low as 5.99% | As low as 6.19% | As low as 6.69% | As low as 7.89% | Used Automobiles (Over 100,000 miles) | As low as 7.49% | As low as 7.69% | As low as 8.19% | - |
| APR* 48 Months | APR* 63 Months | APR* 75 Months | APR* 120 Months | APR* 144 Months | |
|---|---|---|---|---|---|
| New Boats, RVs, Campers & Motorcycles | As low as 7.79% | As low as 7.99% | As low as 8.29% | As low as 8.99% | As low as 10.99% |
| Used Boats, RVs, & Campers & Motorcycles | As low as 8.79% | As low as 8.99% | As low as 9.29% | As low as 9.99% | As low as 11.99% |
Rates are subject to change at any time without prior notice. Based upon member creditworthiness and collateral. Other rates, terms, and conditions may apply
*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change without prior notice.
| APR* 36 Months | APR* 48 Months | APR* 60 Months |
|---|---|---|
| As low as 9.99% | As low as 10.99% | As low as 11.99% |
Based upon member creditworthiness. Other rates, terms and conditions may apply.
*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change without prior notice.