Current Rates
Effective 6/30/2019
National Credit Union Administration Federally Insures Savings To $250,000.00
ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
FEES COULD REDUCE EARNINGS ON INTEREST BEARING ACCOUNTS
Share Accounts
|
Dividend Rate |
APY* |
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|
Share Account |
.15% |
.15% |
|
| – To be considered an active member of the credit union, a minimum of $25.00 is required in the Share Account at all times. To receive a dividend, you must maintain an average daily balance of $500.00 or more. – The dividend rate for next quarter will be based on available earnings. – Please note these changes do not effect children and youth accounts, the minimum balance required to earn dividend will remain $100.00 and minimum balance required to be considered an active member is $5.00. |
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*APY= Annual Percentage Yield
| Balance |
Dividend Rate |
APY* |
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|
$2,500.00 – $9,999.99 |
0.20%** |
0.20%** |
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|
$10,000.00 – $24,999.99 |
0.25%** |
0.25%** |
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|
$25,000.00 – $49,999.99 |
0.30%** |
0.30%** |
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| $50,000.00 and more |
0.35%** |
0.35%** |
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| Rates are effective as of |
06/30/2019 |
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| Dividends are paid monthly on the full average daily balance of $2,500.00 and over in the account, at the stated interest rate that corresponds to the applicable deposit tier. The rate for the next month will be based on available earnings. Requires $2,500.00 minimum balance to open. | ||||
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Click Here for our Money Market Disclosure Information. |
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*APY= Annual Percentage Yield
**Restrictions Apply, contact us at any of our branches for more information
Share Certificates1 / IRA Share Certificates
| Minimum of $1,000.00 Deposit Required |
Dividend Rate |
APY* |
| 1 Year |
0.80%** |
0.80%** |
| 2 Years |
1.00%** |
1.00%** |
| 3 – 4 Years |
1.30%** |
1.31%** |
| 5 Year |
1.70%** |
1.71%** |
| A penalty equaling three (3) months interest, whether earned or not, may be imposed for early redemption/withdrawal. | ||
*APY= Annual Percentage Yield
**Restrictions Apply, contact us at any of our branches for more information
1Share Certificates are an investment tool, which earn a higher dividend than share accounts for a specified length of time
|
APR* |
Grace Period |
Annual Fee |
|
|
Classic |
10.95% |
25 days |
none |
|
Gold |
9.30% |
25 days |
none |
| View our Visa Classic (PDF) & Visa Gold (PDF) disclosures for more information | |||
*APR= Annual Percentage Rate
Home Mortgage & Home Equity Loan
|
Fixed and adjustable rates based on available equity. |
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Contact our Loan Department at any one of our branches for current rates. |
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Email Disclaimer: Your Credit Union is committed to protecting the privacy of its members. Regular non-encrypted Internet email is not secure. Messages sent via any department links from our website are not secure and should never contain any personal or sensitive information such as account numbers, social security numbers, passwords, etc. Our staff will never reply back to these email messages with confidential member information.
|
APR* |
Term |
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|
New & Used(up to 1 year old) |
3.00%2 |
Purchase Price |
Up to 60 months |
|
3.75%3 |
Up to 72 months |
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|
4.15%4 |
Up to 84 months |
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| 2As low as 60 monthly payments of $17.89 per $1,000 borrowed 3As low as 72 monthly payments of $15.19 per $1,000 borrowed 4As low as 84 monthly payments of $13.67 per $1,000 borrowed |
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|
Used – 2 to 7 years old |
4.00%5 |
NADA Book Value |
Up to 60 months |
|
4.65%6 |
Up to 72 months |
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| 5As low as 60 monthly payments of $18.19 per $1,000 borrowed 6As low as 72 monthly payments of $15.65 per $1,000 borrowed |
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| Classic Cars – 20 yrs & older |
6.00%7 |
NADA Book Value |
Up to 72 months |
| 7As low as 72 monthly payments of $16.34 per $1,000 borrowed | |||
*APR= Annual Percentage Rate
|
APR* |
Max |
Months |
||||
|
Fully Secured |
3.15% |
Shares 3.00% above current dividend rate ~ Certificate 3.00% above certificate rate for remaining term. |
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| As low as 72 monthly payments of $15.26 per $1,000 borrowed | ||||||
| As low as 60 monthly payments of $20.05 per $1,000 borrowed | ||||||
|
Partially Secured |
rates as low as |
Shares 6.00% above current dividend rate |
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| As low as 72 monthly payments of $16.64 per $1,000 borrowed | ||||||
| Life Style (Back Yard, Wellness, Bridal, ETC.) |
rates as low as |
Up to 36 Months |
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|
8.50%9 |
Up to 60 Months |
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| 8As low as 36 monthly payments of $30.20 per $1,000 borrowed 9As low as 60 monthly payments of $20.04 per $1,000 borrowed |
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| Holiday |
rates as low as |
$2,000.00 |
12 months |
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| As low as 12 monthly payments of $86.07 per $1,000 borrowed | ||||||
| Overdraft |
16.00% |
$2,500.00 |
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| Boat/Camper/RV -New and Used- |
rates as low as |
Up to 60 months |
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| As low as 60 monthly payments of $18.42 per $1,000 borrowed | ||||||
| Boat/Camper/RV –New and Used- |
rates as low as |
Up to 120 months |
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| As low as 120 monthly payments of $10.90 per $1,000 borrowed | ||||||
| Boat/Camper/RV –New and Used- |
rates as low as |
Up to 180 months |
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| As low as 180 monthly payments of $9.33 per $1,000 borrowed | ||||||
| ATV/Snowmobile/ Personal Watercraft –New and Used- |
rates as low as |
Up to 60 months |
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| As low as 180 monthly payments of $18.87 per $1,000 borrowed | ||||||
*APR= Annual Percentage Rate
Your Credit Union is committed to protecting the privacy of its members. Regular non-encrypted Internet email is not secure. Messages sent via any department links from our website are not secure and should never contain any personal or sensitive information such as account numbers, social security numbers, passwords, etc. Our staff will never reply back to these email messages with confidential member information.