Savings Rates
 

Effective: 02/01/12

Account Type Dividend Rate Annual Percentage Yield Balance to Obtain Rate/APY Minimum to Open
Primary Savings .10% .10% $100 $25
Christmas Clubs
Vacation Clubs
Energy Clubs		  .10% .10% $5 $5
Regular Checking N/A N/A $100 $5
Money Management Accounts
.10%
.20%
.25%
.30%
.10%
.20%
.25%
.30%
$100 - $2,000
$2,001 - $20,000
$20,001 - $75,000
$75,001 - above
 $100

The annual percentage yields (APY) disclosed in the table above are as of the last dividend declaration date. The dividend rates and APYs on all Savings accounts, Christmas and Vacation Clubs may change quarterly as determined by the Credit Union Board of Directors. The dividend rates and APYs on checking and money management accounts may change monthly as determined by the Credit Union Board of Directors. Fees or other conditions could reduce the earnings on the accounts listed above. Dividends for savings, checking and money management accounts are paid monthly and calculated using the average daily balance method. Dividends for club accounts are not compounded, paid annually and calculated using the daily balance method.

   
  Certificate and IRA Certificate Rates
 

Effective: 02/01/12

Account Type Dividend Rate Annual Percentage Yield* Minimum to Open
6 Months .35% .35% $500
9 Months .40% .40% $500
12 Months .50% .50% $500
18 Months .60% .60% $500
24 Months .70% .70% $500
36 Months 1.10%

1.10%

 $500

The annual percentage yields (APYs) were offered within the most recent seven calendar days and are accurate as of the effective date listed above. Dividends are credited monthly, compounded quarterly, and calculated using the daily balance method. We may impose an early withdrawal penalty if you withdraw any of the principal before the maturity date.

*Member has option to have dividends transferred to Share account or check mailed. If member chooses this option the certificate would be non-compounding.

   
  LOAN RATES *All Loans, Additional .50% Without Direct Deposit
  Effective: 02/01/12
Loan Type

Annual Percentage Rate

Loan Conditions

Approximate Term or Payment

Payment per Thousand
Personal Unsecured:   Maximum Loan Amount is $10,000    

  Up to 12 Months

 5.50% *With Direct Deposit   12 Months $85.83 per thousand
13 to 24 Months 8.50% *With Direct Deposit   24 Months $45.45 per thousand
25 to 36 Months 9.50% *With Direct Deposit   36 Months $32.03 per thousand

37 to 48 Months

10.50%

*With Direct Deposit

48 Months at $25.60 per thousand

Boat - New

80% Financing Up to 84 Months

 7.50% *With Direct Deposit Maximum Amount $35,000 84 Months $15.33 per thousand

Boat - Used

80% Financing Up to 60 Months

 9.99% *With Direct Deposit Maximum Amount $20,000 60 Months $21.25 per thousand

Car - New
100% FINANCING MSRPor NADA Retail

 2.75% *With Direct Deposit

36 Month Term

 28.98 per thousand
3.00%

*With Direct Deposit

 48 Month Term 22.14 per thousand
3.25% *With Direct Deposit 60 Month Term
18.09 per thousand
3.95% *With Direct Deposit 72 Month Term
15.63 per thousand

Car - Used Models 2006-2011

100% FINANCING MSRP or NADA Retail

 3.95% *With Direct Deposit 36 Month Term 29.51 per thousand
4.25% *With Direct Deposit 48 Month Term 22.70 per thousand
4.50% *With Direct Deposit 60 Month Term 18.65 per thousand
Car - Used Models 2004-2005

90% FINANCING MSRP or NADA Retail

 7.50% *With Direct Deposit

48 Month Term

 24.19 per thousand

Motorcycles - New

100% Financing Up to 5 Years

 7.50% *With Direct Deposit   60 Months $20.03 per thousand

Motorcycles - Used

90% Book Value

 9.99% *With Direct Deposit  

 60 Months   $21.24 per thousand

Recreational Vehicle - New

80% Financing Up to 84 Months

 7.50% *With Direct Deposit Maximum Amount $30,000 84 Months $15.33 per thousand

Recreational Vehicle - Used

80% Financing Up to 60 Months

 9.99% *With Direct Deposit Maximum Amount $30,000 60 Months $21.25 per thousand
Share Secured 2.00% above current savings rate      
Unsecured Adjustable Rate Line of Credit 9.99% Easy One Time Application!

Rate subject to change quarterly		 Up to $10,000 Line of Credit  max. APR 18%
Home Improvement 7.50%   Up to 60 Months

Maximum Amount $10,000		 60 Months $20.03 per thousand


Home Equity Line

 

Prime Rate

180 MONTHS  Closing Cost $300.00

 Variable Rate Adjusts Quarterly

 Max. APR 18%

Fixed Rate Home Equity 5.75% APR
5.50% APR
5.25% APR		 Closing Costs $300.00  15 Year Term
10 Year Term
5 Year Term

180 months-$8.30              120 months-$10.85           60 months-$18.98           per thousand

Convert your HIGH interest credit cards to our LOW interest Visa Card! You will save money and lower your monthly payments - INSTANTLY!.

 

   

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We Do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
This credit union is federally insured by the National Credit Union Administration.