Rates














Loans | Savings | Certificates

November 1st, 2014

 

Loans  Rate APR* Term  
         
November Loan Specials (up to $5000) 5.90 5.90 12 Calculator
                                        
 HYBRID LOAN - Personal Loan secured by vehicle title              
      Fully Secured                                      4.50  4.50  60 Calculator 
      Partially Secured - up to $3,000 negative equity        

5.50

5.50 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) 10-1

 3.00   3.00 60 Calculator
Home Equity Loans ($15,000 to $150,000 to 84 months) 10-1 3.50 3.50

84

Calculator
Home Equity Loans ($40,000 to $150,000 to 120 mos) 10-1 3.75 3.75 120 Calculator
Home Equity Loans ($40,000 to $150,000 to 179 mos) 10-1 4.00 4.00  179 Calculator 
         
100% Share Secured Loans (60 months or less)  2.25 2.25 60  Calculator
         
Car Truck, and Van Loans (NEW 2014 & 2015    to 72 mos) as low as 2.55   72 Calculator
Car, Truck, and Van Loans (Used 2014    to 72 mos) as low as 2.75   72 Calculator
Car, Truck, and Van Loans (Used 2013   to 72 mos) as low as 3.25   72 Calculator
         
Car, Truck, and Van Loans (Used 2012 & 2011  to 60 mos) as low as 3.50   60  Calculator
Car, Truck, and Van Loans (Used 2010 & 2009  to 48 mos) as low as 3.75  

48

Calculator
Car, Truck, and Van Loans (Used 2008 & 2007  to 36 mos) as low as 4.00  

36

Calculator
         
Personal Loans to $7,500 (60 months or less) 8.90 8.90 60  Calculator
         
Recreational Vehicles (60 months or less) 4.25  4.25  60 Calculator
Recreational Vehicles (61 to 84 months) 5.25  5.25  84

Calculator

Recreational Vehicles (85 to 120 months)

6.25  6.25  120

Calculator

         
 VISA CREDIT CARDS 11.9 11.9    

*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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March 1, 2014

 

Savings Minimum Balance Dividend Rate APY* Term
Regular Savings - last dividend declaration 03-31-14 $50.00 .20 .20 n/a
Special Savings 5.00 .20 .20 n/a
Christmas Clubs - $5,000 maximum - 10-01-13 thru 9-30-14  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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March 1, 2014

 

Share Certificates (same as a bank CD)   Minimum Deposit Dividend Rate APY* Term
Share Certificates - 13 months $2,500.00 0.40  0.40 13
   IRA Share Certificates - 13 months $500.00 0.40  0.40 13
Share Certificates - 24 months $2,500.00 0.50  0.50 24
   IRA Share Certificates - 24 months $500.00 0.50  0.50 24
Share Certificates - 36 months $2,500.00 0.75  0.75 36
   IRA Share Certificates - 36 months $500.00

0.75 

0.75 36

 

*APY = Annual Percentage Yield
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