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Loans | Savings | Certificates
| Rates are subject to change at any time as determined by the Board of Directors. |
| Loans |
Rate |
APR* |
Term |
|
| New Vehicle - Up to 60 months - 95% LTV or less |
3.490 |
3.490 |
60 |
Calculator
|
| New Vehicle - Up to 60 months - over 95% LTV |
3.990 |
3.990 |
60 |
Calculator
|
| New Vehicle (Over 5 Years) - 95% LTV or less |
4.490 |
4.490 |
72 |
Calculator |
| New Vehicle (Over 5 Years) - over 95% LTV |
4.990 |
4.990 |
72 |
Calculator |
| Used Vehicle (Prev. Year - Up to 60 mos.) - 95% LTV or less |
4.990 |
4.990 |
60 |
Calculator |
| Used Vehicle (Prev. Year - Up to 60 mos.) - over 95% LTV |
5.490 |
5.490 |
60 |
Calculator |
| Used Vehicles (2-4 Years, Up to 48 mos.) - 95% LTV or less |
5.490 |
5.490 |
48 |
Calculator |
| Used Vehicles (2-4 Years, Up to 48 mos.) - over 95% LTV |
5.990 |
5.990 |
48 |
Calculator |
| Used Vehicles (5-8 Years, Up to 36 mos.) - 95% LTV or less |
5.490 |
5.490 |
36 |
Calculator |
| Used Vehicles (5-8 Years, Up to 36 mos.) - over 95% LTV |
5.990 |
5.990 |
36 |
Calculator |
| Used Vehicles (Older than 8 Years, Up to 24 mos.) |
8.750 |
8.750 |
24 |
Calculator |
| New Farm Equipment (Over 5 Years) |
8.990 |
8.990 |
72 |
Calculator |
| New Farm Equipment (60 mos.) |
7.990 |
7.990 |
60 |
Calculator |
| Used Farm Equipment (Prev. Year - Up to 60 mos.) |
8.990 |
8.990 |
60 |
Calculator |
| Used Farm Equipment (2-4 Years, Up to 48 mos.) |
9.490 |
9.490 |
48 |
Calculator |
| Used Farm Equipment (5-8 Years, Up to 36 mos.) |
9.490 |
9.490 |
36 |
Calculator |
| Used Farm Equipment (8 Years plus, up to 24 mos.) |
10.490 |
10.490 |
24 |
Calculator |
| New Motorcycles and ATVs(36 mos.) |
8.000 |
8.000 |
36 |
Calculator |
| New Motorcycles and ATVs(48 mos.) |
8.500 |
8.500 |
48 |
Calculator |
| New Motorcycles and ATVs(60 mos.) |
9.000 |
9.000 |
60 |
Calculator |
| Used Motorcycles and ATVs (Used Current and Prev. Year) |
9.000 |
9.000 |
n/a |
Calculator |
| Used Motorcycles and ATVs (2-5 Years Old) |
9.500 |
9.500 |
n/a |
Calculator |
| Used Motorcycles and ATVs (5 Year and Older) |
10.000 |
10.000 |
n/a |
Calculator |
| Home Improvement ** |
7.500 |
7.500 |
n/a |
Calculator |
| Home Equity (Up to 5 years) |
6.000 |
6.000 |
n/a |
Calculator |
| Home Equity (Between 5 and 10 years) |
6.500 |
6.500 |
n/a |
Calculator |
| Home Equity (Between 10 and 15 years) |
7.000 |
7.000 |
n/a |
Calculator |
| Unsecured Loans |
14.000 |
14.000 |
n/a |
Calculator |
| Miscellaneous Loans |
12.000 |
12.000 |
n/a |
Calculator |
| MasterCard ($5,000 limit) |
12.500 |
12.500 |
n/a |
|
| Vacation/Special Purpose Loans |
14.000 |
14.000 |
n/a |
Calculator |
|
The Dividend Rate may change at any time as determined by the Credit Union's Board of Directors
|
| Savings |
Minimum Deposit** |
Dividend
Rate |
APY* |
Term |
| Primary Shares |
$5.00 |
0.247 |
0.25 |
n/a |
| Secondary Clubs |
none |
0.247 |
0.25 |
n/a |
| Christmas Club |
none |
0.746 |
0.75 |
n/a |
| Premium Share Account - Level 1 - $500-$10,000 |
$500.00 |
0.350 |
0.35 |
n/a |
| Premium Share Account - Level 1 - $10,001-$25,000 |
$500.00 |
0.445 |
0.45 |
n/a |
| Premium Share Account - Level 2 - $25,001-$50,000 |
$500.00 |
0.545 |
0.55 |
n/a |
| Premium Share Account - Level 3 - $50,001-$75,000 |
$500.00 |
0.645 |
0.65 |
n/a |
| Premium Share Account - Level 4 - $75,001 and over |
$500.00 |
0.745 |
0.75 |
n/a |
| IRA Traditional/Roth Share |
none |
1.490 |
1.50 |
n/a |
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*APY = Annual Percentage Yield (accurate as of 01/01/2012)
**Minimum Deposit to open the account, $10.00 minimum to obtain the declared yield. The Premium Share Account is a tiered account, with $500.00 minimum balance required. Any fees imposed could reduce the earnings on these accounts.
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The Dividend Rate may change at any time as determined by the Credit Union's Board of Directors.
|
| Certificates |
Dividend
Rate |
APY* |
Term |
| IRA's 6 months $1,000 - $25,000 |
0.350
|
0.350
|
6 |
| IRA's 6 months $25,001 - $100,000 |
0.450 |
0.450 |
6 |
| IRA's 6 months $100,001 - and over |
0.550 |
0.550 |
6 |
| IRA's 1 year $1,000 - $25,000 |
0.800
|
0.800 |
12 |
| IRA's 1 year $25,001 - $100,000 |
0.900 |
0.900 |
12 |
| IRA's 1 year $100,001 - and over |
1.000 |
1.000 |
12 |
| IRA's 2 year $1,000 - $25,000 |
1.150 |
1.140 |
24 |
| IRA's 2 year $25,001 - $100,000 |
1.250 |
1.240 |
24 |
| IRA's 2 year $100,001 - and over |
1.350 |
1.340 |
24 |
| IRA's 3 year $1,000 - $25,000 |
1.150 |
1.140 |
36 |
| IRA's 3 year $25,001 - $100,000 |
1.250 |
1.230 |
36 |
| IRA's 3 year $100,001 - and over |
1.350 |
1.330 |
36 |
| IRA's 4 year $1,000 - $25,000 |
1.150 |
1.130 |
48 |
| IRA's 4 year $25,001 - $100,000 |
1.250 |
1.230 |
48 |
| IRA's 4 year $100,001 - and over |
1.350 |
1.320 |
48 |
| IRA's 5 year $1,000 - $25,000 |
1.150 |
1.120 |
60 |
|
IRA's 5 year $25,001 - $100,000
|
1.250 |
1.220 |
60 |
| IRA's 5 year $100,001 - and over |
1.350 |
1.310 |
60 |
|
Share Certificates 6 months $1,000 - $25,000
|
0.450 |
0.450 |
6 |
| Share Certificates 6 months $ 25,001 - $100,000 |
0.550 |
0.550 |
6 |
| Share Certificates 6 months $ 100,001 - and over |
0.650 |
0.650 |
6 |
| Share Certificates 1 Year $ 1,000 - $25,000 |
0.800 |
0.800 |
12 |
| Share Certificates 1 Year $ 25,001 - $100,000 |
0.900 |
0.900 |
12 |
| Share Certificates 1 Year $ 100,001 - and over |
1.000 |
1.000 |
12 |
| Share Certificates 2 Year $1,000 - $25,000 |
1.150 |
1.140 |
24 |
| Share Certificates 2 Year $25,001 - $100,000 |
1.250 |
1.240 |
24 |
| Share Certificates 2 Year $100,001 - and over |
1.350 |
1.340 |
24 |
| Share Certificates 3 Year $1,000 - $25,000 |
1.150 |
1.140 |
36 |
| Share Certificates 3 Year $25,001 - $100,000 |
1.250 |
1.230 |
36 |
| Share Certificates 3 Year $100,001 - and over |
1.350 |
1.330 |
36 |
|
Share Certificates 4 Year $1,000 - 25,000
|
1.150 |
1.130 |
48 |
| Share Certificates 4 Year $25,001 - $100,000 |
1.250 |
1.230 |
48 |
| Share Certificates 4 Year $100,001 - and over |
1.350 |
1.320
|
48 |
| Share Certificates 5 Year $1,000 - $25,000 |
1.150 |
1.120
|
60 |
| Share Certificates 5 Year $25,001 - $100,000 |
1.250 |
1.220 |
60 |
| Share Certificates 5 Year $100,001 - and over |
1.350 |
1.310 |
60 |
|
*APY = Annual Percentage Yield (accurate as of 01/01/2012) All certificates must be opened with a minimum deposit of $1,000.00. Simple interest paid on maturity - no compounding. 90-day interest penalty on certificates cashed before maturity.
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