Loan and Deposit Rates

Consumer Loans  Mortgage Rates  Savings Rates  Certificate Rates  IRA Rates
Rates are subject to change without notice .

Consumer Loans

 Check out our Best payment Guarantee

New Vehicles  


as low as  4.00% APR**

Used Vehicles


as  low as 5.50% APR**

Used as New - up to 2 years old with no more than 30,000 miles -New car rate may apply
New Motorcycles

as low as 7.50% APR**

New Boats

as low as 5.00% APR**

New Camping trailer or Motor Home

as low as  5.00% APR**

   
Mortgage Loans
First Mortgages Loans Are Available 

Home Equity Lines
INTEREST ONLY

Up to 80% LTV -
as low as
Prime minus 1.25% APR**
  81 to 95% LTV -
as low as Prime minus 1.00% APR**
Mini Mortgage Fixed 95% LTV - as  low as 7.00% APR**
Second Mortgage Fixed 95% LTV - 7-9 Yrs - as low as 7.50% APR**
  95% LTV - 10-15 Yrs - as  low as 7.75% APR**($50,001 @7.50% for 180 months $486.51)
We're in First - Second Mortgage 95% LTV - 7-9 Yrs - as low as 6.45% APR **
  95% LTV - 10-15 Yrs - as low as 6.70% APR **
 
Adjustable Mini Mortgage 95% LTV - as low as 5.75% APR**
(1% cap per year, not to exceed 6% above the original rate over the life of the loan)
Adjustable Second Mortgage (Primary Residence Only)
95% LTV - as  low as 5.75% APR **
(1% cap per year, not to exceed 8% above the original rate over the life of the loan)
 
$150.00 application fee - refunded upon disbursement of loan
No Closing Cost - No other finance charges unless stated
 
SAVINGS ACCOUNTS
Rates as of: April 1st, 2008

Suffix

Minimum

Dividend
 Rate

APY*

Checking

51

$500

0.01

0.01%

"NEW"   HIGH YIELD CHECKING
Complete required Form

51

$10,000

2.25%

2.27%

Shares 

01 

$50

0.25%

0.25%

Money Market

05

$0 - $2,499

0.25%

0.25%

 

05

$2,500 - $10,000

  .50%

.50%

 

05

$10,001 - $25,000

  .75%

.75%

 

05

$25,001 - $50,000

1.00%

1.01%

 

05

$50,001 - UP

1.25%

1.25%

All other suffix will pay the same as 01. Variable-rate accounts may change after the open date.

 

 

 

 

 
 

SHARE CERTIFICATE ACCOUNTS
Rates as of: March 21st, 2008 

Minimum 

Dividend Rate

APY* 

3 Month

$10,000

1.85%

1.86%

6 Months

$10,000

2.20%

2.22%

"NEW "  7 Month  "NEW"  (Limited Time)

$1,000

3.00%

3.04%

12 Months

$1,000

2.35%

2.38%

12 Months

$10,000

2.40%

2.43%

12  Month Jumbo

$50,000

2.50%

2.53%

18 Months    

$10,000

2.55%

2.58%

24 Months 

$10,000

2.60%

2.63%

24 Months Jumbo

$50,000

2.65%

2.68%

30 Months

$10,000

2.70%

2.73%

30 Month Jumbo

$50,000

2.75%

2.78%

36 Months  

$10,000

2.80%

2.87%

48 Months  

$10,000

2.85%

2.89%

60 Months   

$10,000

3.00%

3.04%

Withdrawals from Certificates before maturity will reduce your earnings. Early withdrawals subject to penalty. Contact the credit union for further details.

     
                               

Individual Retirement Accounts (IRA's)

Minimum

Dividend
Rate

APY*

    "NEW"   Health Savings Accounts (HSA's)

$1,050

 1.25% 

1.25%

IRA Shares

$50

 1.25% 

1.25%

 "NEW"  7 Month IRA

$1,000

 3.00% 

3.04%

18 Month IRA SC 

$1,000

 2.55% 

2.57%

30 Month IRA SC 

$1,000

 2.70% 

2.73%

60 Month IRA SC 

$1,000

 3.00% 

3.03%

Withdrawals from Certificates before maturity will reduce your earnings. Early withdrawals 
subject to penalty. Contact the credit union for further details.

 

 

 
*APY - Annual Percentage YIELD
**APR - Annual Percentage RATE
     
 
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