Rates

Loan Rates

Effective June 21, 2017

 

Signature Loan Rates°

All terms up to 48 month term as low as 7.5% APR*

°Effective 3/17/15, a member will have one unsecured loan with the exception of any special loan (ie – Holiday Loan, etc).  The member may refinance & add additional funds to their existing signature loan that is in good standing when six consecutive monthly payments have been made on the loan. 

 

Vehicle Loan Rates

New
up to 48 month term as low as 2.0% APR*
49-60 month term as low as 2.5% APR*
61-72 month term as low as 3.0% APR*
73-84 month term as low as 3.5% APR*
Used
2013 & Newer up to 48 month term as low as 2.5% APR*
up to 60 month term as low as 3.0% APR*
up to 72 month term as low as 3.5% APR*
2011-2012 up to 48 month term as low as 3.5% APR*
up to 60 month term as low as 4.0% APR*
2010 & Older up to 48 month term as low as 4.5% APR*

**Used vehicles 2010 & older may be financed at 80% of the NADA Blue Book value.  All other vehicles may be financed up to 125% with GAP Insurance Coverage & upon credit approval. 

Boat & RV’s
up to 48 month term as low as 4.0% APR*
49-60 month term as low as 4.5% APR*

 

Covered by Shares Loan 

All terms   2.5% APR*

Covered-by-Shares loans are fixed rate loans. Rate is not determined by credit score. 

 

Home Equity Loan

5 Year
(60 months)
3.25% APR*
10 Year
(61-120 months)
3.75% APR*
15 year
(121-180 months)
4.00% APR*

 

VISA Credit Card

New Purchase 9.9% APR*
Balance Transfer 9.9% APR*
Cash Advance 9.9% APR*
No Annual Fee!

Visa Credit Cards are a fixed rate. Rate is not determined by credit score. 

Credit Based Lending.  Lending rates are based on FICO Credit Score at time of application, with the exception of Covered-by-Shares loans & VISA Credit Card.
*APR – Annual Percentage Rate


Savings Dividend Rates

Main Share Accounts

$0.00 – $149.99 0.0% APY*
$150.00 & up 0.1% APY*

Effective 6/21/17, all main share accounts starting at $150.00 will have an APY of 0.1%

 

Certificates of Deposit (CD’s) (& Existing IRA’s*)

6 months 0.1% APY*
1 year 0.2% APY*
2 year 0.3% APY*
3 year 0.5% APY*
4 year 0.5% APY*
5 year 0.5% APY*

 

IRA Passbook Accounts 0.2% APY*

*New IRA’s are no longer being accepted.

*APY – Annual Percentage Yield