Loan Rates
Below you will find our current loan rate information
ALL RATES ARE QUOTED “AS LOW AS” AND ARE SUBJECT TO INDIVIDUAL CREDIT HISTORY. RATES ARE SUBJECT TO CHANGE AT ANY TIME.
| VEHICLE LOANS RATES |
RATES AS LOW AS |
| 12 - 36 Months |
2.99% |
| 48 - 60 Months |
2.99% |
| 72 - 84 Months |
4.49 - 5.49% |
| Vehicles older than 5 model years are subject to a 1% rate increase. |
| Small water sport and recreational vehicles add 1% onto existing vehicle loan rate. |
| UN-SECURED LOAN RATES |
APR |
| Signature 12 - 48 Months |
11.00% - 14.00% |
| Overdraft Line of Credit |
18% |
| REAL ESTATE - FIXED RATE* |
TERM |
APR |
| 1st Mortgage (80% LTV) |
5 - 15 Year |
5.5% - 6.75% |
| 1st Mortgage (90% LTV) |
5 - 15 Year |
6.25% - 7.25% |
| Conventional |
30 YEAR/VA/FHA |
Call Credit Union for Current Rates |
| 2nd Mortgage (80% LTV) |
5 - 15 Years |
5.99% – 7.00% |
| 2nd Mortgage (90% LTV) |
5 - 15 Years |
7.5% - 8.5% |
| *5-15 year loans are subject to $500 origination fee for loans under $100,000. Loans over $100,000 are subject to 1% origination fee. Call Credit Union for fee details. |
| REAL ESTATE - VARIABLE RATE |
APR |
| Home Equity Line of Credit (up to 80% LTV) |
PRIME |
| Home Equity Line of Credit (up to 90% LTV) |
PRIME +1 |
| Now offering Interest Only and Evergreen Home Equity Loans. |
Call Credit Union for details. |
| Lot Loans and Construction Loans |
Call Credit Union for Current Rates |
Calculate Your Loan Payment
Using the rate information above, you can compute your monthly loan payment
amount using our Loan Calculator.
NOTE: This calculator is intended for informational purposes only. It is
NOT intended as a disclosure or offer of credit. Your actual payments may
vary. Your browser must support JAVASCRIPT to use this calculator.
Savings Rates
SAVINGS RATES - Effective: 2011 *Rates are subject to change at any time
FLEX OPTION - Any CD - 1 qtrly withdraw with no penalty - 0.25% less than regular rate
LADDER OPTION - Any CD - split your maturity into multiple dates and portions
BUMP OPTION - One time rate bump up or 0.15% bonus added on 3years or greater CD
GOLDSTAR SPECIAL - 30 Month at 1.25% APY - Become a goldstar today!
10 Month Special: 0.75% APY -- 5Yr. IRA Transfer: 2.40% APY
Click on the "Contact Us" button above to order your CD and funds transfer today for FREE!
| PRODUCT*APY = Annual Percentage Yield |
RATE |
YIELD |
| SHARE SAVINGS & CLUB |
APR |
*APY |
| SHARE $50.00 - $999.00 |
0.15% |
0.15% |
| $1000.00 - $49,999 |
0.20% |
0.20% |
| $50,000 + |
0.25% |
0.25% |
| CLUB $25.00 - OVER |
0.20% |
0.20% |
| CLUB Plus Saver $100.00 - OVER |
0.30% |
0.30% |
| DRAFT & MONEY MARKET |
APR |
APY |
| Share Draft $500 - OVER |
0.10% |
0.10% |
| Select Draft $500 - OVER |
0.10% |
0.10% |
| Money Market |
|
|
| $0 - $999 |
N/A |
N/A |
| $1,000 - $4,999 |
0.25% |
0.25% |
| $5,000 - $9,999 |
0.30% |
0.30% |
| $10,000 - $24,999 |
0.35% |
0.35% |
| $25,000 - $49,999 |
0.45% |
0.45% |
| $50,000 - $99,999 |
0.55% |
0.55% |
| $100,000 - OVER |
0.65% |
0.65% |
| * CERTIFICATE & IRA |
APR |
APY |
| 6 Months |
0.50% |
0.50% |
| 12 Months |
0.70% |
0.70% |
| 18 Months |
0.80% |
0.80% |
| 24 Months |
0.85% |
0.85% |
| 36 Months +1 time rate bump |
1.35% |
1.36% |
| 48 Months +1 time rate bump |
1.60% |
1.61% |
| 60 Months +1 time rate bump |
2.25% |
2.27% |
| SPECIAL CDs and 9 and 10 month Dedicated Savers |
0.75% |
0.75% |
| $100,000+ Jumbo - Reg. APR + Up to .15% Adjustable Bonus |
QTRLY |
|
| Dedicated Savings No Minimum Balance, term savings |
Same as Certs |
|
| IRA Shares |
0.45% |
0.45% |
| * Minimum certificate balance $500. Penalties for early withdrawal |
Monthly |
Monthly |
Rates are subject to change at any time.