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Dividend Rates

Current Rates as of April 1, 2017 - Download Printer-friendly PDF

Share Certificates

Terms Dividend Rate Annual Percentage Yield*
31 Days N/A N/A
3 Month 0.45% 0.45%
6 Month 0.65% 0.65%
1 Year 0.80% 0.80%
18 Month 0.90% 0.90%
2 Year 1.00% 1.00%
30 Month Step-Up 0.75% 0.75%
3 Year 1.10% 1.10%
4 Year 1.15% 1.16%
5 Year 1.25% 1.26%

*Annual Percentage Yield. Rates are subject to change without notice. Dividends may be paid quarterly or at maturity; 3 Month and 6 Month certificates are based on simple dividend calculation, all other certificates are compounded quarterly. A $500 minimum deposit is required on all certificates. Early withdrawal penalties will or may apply, if applicable. Please contact the Credit Union for information on applicable fees and terms.

 

Share Savings/Checking/Money Market Rates

Account Type Rate APY*
SmartChoice Money Market    
$2,500 - $10,000 0.25% 0.25%
Over $10,000 0.40% 0.40%
Performance Money Market    
$10,000 - $40,000 0.45% 0.45%
Over $40,000 0.60% 0.60%
IRA    
Over $100 0.30% 0.30%
Share Savings    
Over $100 0.30% 0.30%
Business Savings    
Over $100 0.30% 0.30%
Checking    
Over $2500 0.25% 0.25%
Business Checking    
Over $100 0.25% 0.25%
Clubs    
Over $100 0.20% 0.20%
Health Savings Accounts    
$100 - $10,000 0.30% 0.30%
Over $10,000 0.50% 0.50%

*Annual Percentage Yield. Rates are subject to change without notice. Please contact the Credit Union for information on applicable fees and terms.

For additional information regarding the above accounts, please refer to the Fee Schedule.

 

Loan Rates

 

Auto or Light Truck

Model Year Term APR* as low as
New (2017, 2016) up to 72 mo 3.65%
2015, 2014 up to 72 mo 4.00%
2013, 2012 up to 66 mo 4.15%
2011, 2010, 2009 up to 60 mo 4.55%
2008 up to 48 mo 5.35%

*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your credit worthiness and ability to repay. All loans subject to credit approval. Rates are subject to change without notice at any time. Contact us for additional rates and terms. 

Payment Example: A $35,000 loan with no money down at 3.85% for 72 months would require 71 monthly payments of $545.50 and a final payment of $522.85, finance charge of $4,253.35, for total payments of $39,253.35. The amount financed is $35,000.00, the APR is 3.85%.

Recreational Vehicles

Account Type Term APR* as low as
New Motorcycles  up to 48 mo 5.75%
Used Motorcycles up to 48 mo 7.00%
New Boat, Mtr, Trl up to 60 mo 5.00%
Used Boat, Mtr, Trl up to 48 mo 6.50%
Motor Home RV (New/Used) up to 72 mo see auto rates
New ATV/Jet Ski/other up to 60 mo 6.50%
Used ATV/Jet Ski/other up to 60 mo

7.00%

*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your credit worthiness and ability to repay. All loans subject to credit approval. Rates are subject to change without notice at any time. Contact us for additional rates and terms. 

Payment Example: A $15,000 loan with no money down at 5.50% for 48 months would require 47 monthly payments of $349.06 and a final payment of $338.20, finance charge of $1,744.02, for total payments of $16,744.02. The amount financed is $15,000.00, the APR is 5.50%.

Miscellaneous Loans

Account Type Max. Term Annual Percentage Rate
Share Secured 12 mo (120 mo amort) 4.25%
Certificate Secured Certificate Maturity Cert Rate + 2.00%
 

Credit Cards

 Rates Effective December 15, 2016

Credit Cards Visa Gold Visa Platinum
Annual Percentage Rate 12.99% 9.50%*
Cash Advance APRs 12.99% 9.50%*
Balance Transfer APRs 12.99% 9.50%*
Line of Credit Up to $10,000 Up to $15,000
Method of Computing the Balance for Purchases Average Daily Balance Including New Purchases Average Daily Balance Including New Purchases
Annual Fee No No
Minimum Finance Charge No No
Cash Advance Fee No No
Grace Period For Purchase 25 Days 25 Days
Returned Payment Fee Up to $25.00 Up to $25.00
Late Payment Fee Up to $15.00 Up to $15.00
Rate Increase for Balance Transfers or Cash Advances No No
 *This APR will vary with the market based on the Prime Rate.  Prime Rate is based on the Wall Street Journal Prime Rate + 5.25%.  Rates, terms and conditions subject to change without notice.