Rates

Loan Rates

Annual percentage rates may be as low as*
Rates are subject to change at any time as determined by the Board of Directors.

Rates effective as of Monday, May 21st, 2018

Loan Rates
Loans Rate APR* Term
New Vehicle – Up to 60 months – 95% LTV or less 2.99 2.99 60
New Vehicle – Up to 60 months – over 95% LTV 3.49 3.49 60
New Vehicle (Over 5 Years) – 95% LTV or less 3.99 3.99 72
New Vehicle (Over 5 Years) – over 95% LTV 4.49 4.49 72
New Vehicle (Over 5 Years) 84 months if amount is over $30,000 4.99 4.99 84
New Vehicle (Over 5 Years)  84 months if amount is over $30,000 and over 95% LTV 5.49 5.49 84
Used Vehicle (Prev. Year – 60 mos.) – 95% LTV or less 2.24 2.24 60
Used Vehicle (Prev. Year – 60 mos.) – over 95% LTV 2.74 2.74 60
Used Vehicle (Prev. Year – 72 mos.) Minimum amount $25,000 2.74 2.74 72
Used Vehicle (Prev. Year – 72 mos.) Minimum amount $25,000 and over 95% LTV 3.24 3.24 72
Used Vehicles (2-4 Years,  48 mos.) – 95% LTV or less 3.74 3.74 48
Used Vehicles (2-4 Years, 48 mos.) – over 95% LTV 4.24 4.24 48
Used Vehicles (2-4 Years, 60 mos.) Minimum amount of $20,000 4.24 4.24 60
Used Vehicles (2-4 Years, 60 mos.) Minimum amount of $20,000 and over 95% LTV 4.74 4.74 60
Used Vehicles (5-8 Years, 36 mos.) – 95% LTV or less 3.74 3.74 36
Used Vehicles (5-8 Years, 36 mos.) – over 95% LTV 4.24 4.24 36
Used Vehicles (5-8 Years, 48 mos.) 4.24 4.24 48
Used Vehicles (5-8 Years, 48 mos.) Over 95% LTV 4.74 4.74 48
Used Vehicles (Older than 8 Years, 24 mos.) 7.75 7.75 24
Used Vehicles (Older than 8 Years, 24 mos.) Over 95% LTV 8.25 8.25 24
New Farm Equipment (60 mos.) 6.99 6.99 60
New Farm Equipment (Over 5 years) 7.99 7.99 72
Used Farm Equipment (Prev. Year – Up to 60 mos.) 7.99 7.99 60
Used Farm Equipment (2-4 Years, Up to 48 mos.) 8.49 8.49 48
Used Farm Equipment (5-8 Years, Up to 36 mos.) 8.49 8.49 36
Used Farm Equipment (8 Years plus, up to 24 mos.) 9.49 9.49 24
New Motorcycles and ATVs (36 mos.) 7.00 7.00 36
New Motorcycles and ATVs (48 mos.) 7.50 7.50 48
New Motorcycles and ATVs (60 mos.) 8.00 8.00 60
Used Motorcycles and ATVs (Used Current and Prev. Year) 8.00 8.00 n/a
Used Motorcycles and ATVs (2-5 Years Old) 8.50 8.50 n/a
Used Motorcycles and ATVs (5 Year and Older) 9.00 9.00 n/a
Home Loan (Call for Rates)*
Unsecured Loans 14.00 14.00 n/a
Miscellaneous Loans 12.00 12.00 n/a
MasterCard ($5,000 limit) Call for Rate n/a
Vacation/Special Purpose Loans 14.00 14.00 n/a

*All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply.
*APR = Annual Percentage Rate ** Repayment example: $10,000 borrowed at 8.00% APR for 48 months would make your monthly payment $244.13.

*APR = Annual Percentage Rate **Repayment example (Used Car): $15,000 borrowed at 3.99% APR for 60 months would make your monthly payment $276.19

Savings Rates

The Dividend Rate may change at any time as determined by the Credit Union’s Board of Directors

Rates effective as of Monday, May 21st, 2018

Savings Rates
Savings Minimum Deposit** Dividend Rate APY* Term
Primary Shares $5.00 0.05 0.05 n/a
Secondary Clubs none 0.05 0.05 n/a
Christmas Club none 0.50 0.50 n/a
Premium Share Account – Level 1 – $500-$10,000 $500.00 0.10 0.10 n/a
Premium Share Account – Level 2 – $10,001-$25,000 $500.00 0.15 0.14 n/a
Premium Share Account – Level 3 – $25,001-$50,000 $500.00 0.25 0.23 n/a
Premium Share Account – Level 4 – $50,001-$75,000 $500.00 0.35 0.34 n/a
Premium Share Account – Level 5 – $75,001 and over $500.00 0.45 0.43 n/a
IRA Traditional/Roth Share none 0.65 0.65 n/a

*APY = Annual Percentage Yield
**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. (Accurate as of 5/15/18)

IRA/Share Certificate Rates

The Dividend Rate may change at any time as determined by the Credit Union’s Board of Directors.

Rates effective as of Monday, June 25th, 2018

IRA/Share Certificate Rates
Certificates Dividend Rate APY* Term
IRA’s 6 months $1,000 – $25,000 0.50 0.50 6
IRA’s 6 months $25,001 – $100,000 0.55 0.55 6
IRA’s 6 months $100,001 – and over 0.60 0.60 6
IRA’s 1 year $1,000 – $25,000 0.60 0.60 12
IRA’s 1 year $25,001 – $100,000 0.70 0.70 12
IRA’s 1 year $100,001 – and over 0.80 0.80 12
IRA’s 2 year $1,000 – $25,000 1.10 1.10 24
IRA’s 2 year $25,001 – $100,000 1.35 1.34 24
IRA’s 2 year $100,001 – and over 1.60 1.59 24
IRA’s 3 year $1,000 – $25,000 1.10 1.09 36
IRA’s 3 year $25,001 – $100,000 1.35 1.33 36
IRA’s 3 year $100,001 – and over 1.60 1.58 36
IRA’s 4 year $1,000 – $25,000 1.10 1.08 48
IRA’s 4 year $25,001 – $100,000 1.35 1.32 48
IRA’s 4 year $100,001 – and over 1.60 1.56 48
IRA’s 5 year $1,000 – $25,000 1.10 0.08 60
IRA’s 5 year $25,001 – $100,000 1.35 1.31 60
IRA’s 5 year $100,001 – and over 1.60 1.55 60
Share Certificates 6 months $1,000 – $25,000 0.50 0.50 6
Share Certificates 6 months $ 25,001 – $100,000 0.55 0.55 6
Share Certificates 6 months $ 100,001 – and over 0.60 0.60 6
Share Certificates 1 Year $ 1,000 – $25,000 0.60 0.60 12
Share Certificates 1 Year $ 25,001 – $100,000 0.70 0.70 12
Share Certificates 1 Year $ 100,001 – and over 0.80 0.80 12
Share Certificates 2 Year $1,000 – $25,000 1.10 1.10 24
Share Certificates 2 Year $25,001 – $100,000 1.35 1.34 24
Share Certificates 2 Year $100,001 – and over 1.60 1.59 24
Share Certificates 3 Year $1,000 – $25,000 1.10 1.09 36
Share Certificates 3 Year $25,001 – $100,000 1.35 1.33 36
Share Certificates 3 Year $100,001 – and over 1.60 1.58 36
Share Certificates 4 Year $1,000 – 25,000 1.10 1.08 48
Share Certificates 4 Year $25,001 – $100,000 1.35 1.32 48
Share Certificates 4 Year $100,001 – and over 1.60 1.56 48
Share Certificates 5 Year $1,000 – $25,000 1.10 1.08 60
Share Certificates 5 Year $25,001 – $100,000 1.35 1.31 60
Share Certificates 5 Year $100,001 – and over 1.60 1.55 60

*APY = Annual Percentage Yield 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. (Accurate as of 6/25/18)