Rates














Loans | Savings | Certificates

July 1st, 2016

 

  APR* Term  
 For a limited time, transfer your balance of your high interest credit cards to our lower interest rate VISA card. 5.9% APR for the first 6 months on all transactions done within the first 6 months till paid in full. 9.9% thereafter.  5.9% till pd. in full   

        

 

 

 

Calculator

                 

                                 

 

 

 
 HYBRID LOAN - Personal Loan secured by vehicle title            
      Fully Secured                                    

as low as:
4.50%

 60 Calculator 
      Partially Secured - up to $3,000 negative equity        

as low as:
5.5%

60 Calculator
       

Home equity loan rates below are subject to change
based on APOR index 

     

Home Equity Loans ($7,500 to $150,000 to 60 months)

  3.00% 60 Calculator
Home Equity Loans ($15,000 to $150,000 to 84 months) 3.50%

84

Calculator
Home Equity Loans ($40,000 to $150,000 to 120 months) 3.75% 120 Calculator
Home Equity Loans ($40,000 to $150,000 to 179 months) 4.00%  179 Calculator 
       
100% Share Secured Loans (72 months or less) 

2.25%

72 Calculator
       
Car Truck, and Van Loans (NEW 2015 & 2016 to 72 mos) as low as: 2.50%  72 Calculator
Car, Truck, and Van Loans (Used 2015 to 72 mos) as low as: 2.75%  72 Calculator
Car, Truck, and Van Loans (Used 2014 to 72 mos) as low as: 3.25%  72 Calculator
       
Car, Truck, and Van Loans (Used 2012 & 2013 to 60 mos) as low as: 3.50%  60  Calculator
Car, Truck, and Van Loans (Used 2010 & 2011 to 48 mos) as low as: 3.75% 

48

Calculator
Car, Truck, and Van Loans (Used 2009 to 36 mos) as low as: 4.00% 

36

Calculator
       
Personal Loans to $7,500 (60 months or less)

as low as:
8.90

60  Calculator
       
Recreational Vehicles (60 months or less)

as low as:
4
.25% 

60 Calculator
Recreational Vehicles (61 to 84 months)

as low as:
5.25 %

84

Calculator

Recreational Vehicles (85 to 120 months)

as low as:
 6.25% 

120

Calculator

       

 VISA CREDIT CARDS

5.9% APR on all transactions within the first 6 months of opening the account until paid in full-zero balance transfer fees 9.9% APR thereafter. 

 

 

9.9% 

 

 

   

*APR = Annual Percentage Rate

Member-Pay Credit Life Insurance is available on most loans.

Optional Low Cost, Temporary Disability Insurance is available on loans to qualifying members. 

GAP Plus (Guaranteed Asset Protection) Insurance - an optional member-pay insurance that helps pay the difference between your insurance settlement and outstanding loan balance (the "gap").  It also includes up to a $1,000 down-payment credit towards a replacement vehicle when the replacement vehicle is financed through us. 

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July 1st, 2016

 

Savings Minimum Balance Dividend Rate APY* Term
Regular Savings - last dividend declaration 12-31-14 $50.00 .20 .20 n/a
Special Savings 5.00 .20 .20 n/a
Christmas Clubs - $5,000 maximum - 10-01-14 thru 9-30-15  5.00   .50 .50 n/a
Money Markets  $1,000.00 .30 .30 n/a
Vacation Clubs - $5,000 maximum - 04-01-14 thru 03-31-15 5.00 .40 .40 n/a
IRA Accumulation Accounts 25.00 .30  .30 n/a

 

*APY = Annual Percentage Yield
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July 1st, 2016

 

Share Certificates (same as a bank CD)   Minimum Deposit Dividend Rate APY* Term
Share Certificates - 13 months $2,500.00 0.50 0.50 13
   IRA Share Certificates - 13 months $500.00 0.50  0.50 13
Share Certificates - 24 months $2,500.00 0.65  0.65 24
   IRA Share Certificates - 24 months $500.00 0.65  0.65 24
Share Certificates - 36 months $2,500.00 0.90  0.90 36
   IRA Share Certificates - 36 months $500.00

0.90 

0.90 36

 

*APY = Annual Percentage Yield
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