Rates

Mortgage Loans

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Consumer Loans

* Rates are current as of October 18, 2013, and are subject to change without notice.

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Your rate will depend on final underwriting, which includes creditworthiness, as well as the age and equity position of the collateral.

New Vehicles

  • New Rates for all Vehicles 2009-2013 with less than 30,000 miles.
  • To qualify for 75 months, vehicle must cost more than $15,000.
  • To qualify for 84 months, vehicle must be new, no miles and cost more than $25,000.
  • Rates as low as:
  36 Months 63 Months 75 Months 84 Months
A+ 0.99 % 1.65 % 2.15 % 2.95 %
A 1.80 % 2.15 % 2.65 % 3.45 %
B 2.40 % 2.75 % 3.25 % 4.05 %
C 4.40 % 4.75 % 5.25 % 6.05 %
D 7.40 % 7.75 % 8.25 % N/A

Used Vehicles

  • Used rates include Vehicles 2006-2013 with more than 30,000 miles.
  • Rates as low as:
  Up to 66 Months
A+ 2.45 %
A 2.95 %
B 3.55 %
C 5.55 %
D 8.55 %

New Boat, Motor Home & Travel Trailers

  • To qualify for 75 months, unit must be new and cost more than $10,000
  • To qualify for 84 months, unit must be new and cost more than $20,000
  • New Boats/RVs must cost more than $50,000 with a 20% equity position for 120 months
  • Motorhomes over $50,000 with a 25% equity position considered up to a term of 180 months.
  • Rates as low as:
  36 Months 63 Months 75 Months 84 Months 120 Months
A+ 1.90 % 2.25 % 2.75 % 3.55 % 4.05 %
A 2.15 % 2.50 % 3.00 % 3.80 % 4.30 %
B 3.15 % 3.50 % 4.00 % 4.80 % 5.30 %
C 4.45 % 4.80 % 5.30 % 6.10 % 6.60 %

Used Boat, Motor Home & Travel Trailers

  • Used rates include models 2006-2013
  • Rates as low as:
  Up to 66 Months
A+ 3.55 %
A 3.80 %
B 4.80 %
C 6.10 %

New Motorcycle And Other Collateral (Jetski, Tractor, 4 Wheeler) Loans

  • To qualify for 75 months, vehicle must cost more than $10,000.
  • To qualify for 84 months, vehicle must cost more than $20,000.
  63 Months 75 Months 84 Months
A+ 2.25 % 2.75 % 3.55 %
A 2.50 % 3.00 % 3.80 %
B 3.50 % 4.00 % 4.80 %
C 4.80 % 5.30 % 6.10 %

Used Motorcycle And Other Collateral (Jetski, Tractor, 4 Wheeler) Loans

2006-2013 Models

  Up to 66 Months
A+ 3.55 %
A 3.80 %
B 4.80 %
C 6.10 %

Share Certificate / Share Secured Loans

  • Loan rate is determined by adding the percentage rate listed to your current certificate / share rate.
  • Rate on D Tier - 14.80%
0 - $2,000 $2,000 - $5,000 $5,000 and up
4.00 % 3.00 % 2.00 %

Stock Secured Loans

  • 36 Months / loan-to-value ratio is 75% of current market value
A B C
7.69 % 8.44 % 9.24 %
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Credit Cards

View Credit Card Disclosures and Apply

Home Equity

EQUITYPLUS HOME EQUITY LINE OF CREDIT

Standard Home Equity Line of Credit
Introductory Rate
1.99 % APR
For the First 6 Months
Standard Rate as Low as
3.25 % APR - 6.75 % APR
Based on Individual Creditworthiness
After the first six months, the interest rate will convert to a variable rate which is based on the Prime Lending Rate as published in The Wall Street Journal plus a margin of 0% to 3.50% based on your creditworthiness, which currently would be between 3.25 % APR and 6.75 % APR.

Rates current as of August 10, 2011 and subject to change

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Savings Rates

IRA & SHARE CERTIFICATES

All savings rates are stated as Annual Percentage Yields.
All accounts are federally insured up to $250,000 by the National Credit Union Administration, an independent federal agency.

$500 minimum balance APY* $500 minimum balance APY*
12 month 0.45 % 91 day 0.20 %
18 month 0.55 % 6 month 0.30 %
24 month 0.65 % 9 month 0.35 %
30 month 0.65 %    
36 month 0.75 % (flex rate**)    
48 month 0.90 % (flex rate**)    
60 month 1.25 % (flex rate**)    
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IRA SHARE ACCOUNT

Prospective Annual Percentage Yield 0.75 % APY
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EASYACCESS MONEY MARKET ACCOUNT

Minimum Balance Required to Earn Rate Prospective Annual Percentage Yield
$2,500 - $9,999 0.10 %
$10,000 - $24,999 0.15 %
$25,000 - $49,999 0.25 %
$50,000 - $99,999 0.35 %
$100,000 - and up 0.40 %
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CHRISTMAS CLUB

$100 - up 0.25 % Prospective APY*
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Pocket Change Account

Balance Prospective Annual Percentage Yield
$0 - $500 3.00 %
$501 - and up 0.25 %
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SHARE DRAFT ACCOUNT

Rates are accurate as of December 11, 2012 and are subject to change weekly.

EZ Premium Checking
$2500 Minimum Balance
0.20 % to 0.40 % APY
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SHARE ACCOUNT

Minimum Balance Required to Earn Rate Prospective Annual Percentage Yield
$100 - $9,999 0.10 %
$10,000 - $39,999 0.25 %
$40,000 - $74,999 0.40 %
$75,000 - up 0.50 %
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