All Rates
Loan Rates
Auto Rates
Effective Date: Saturday, April 27th, 2024
| Loan Term | Rate APR* New | Rate APR* Used |
|---|---|---|
| 36 Months | 1as low as 4.24% | 1as low as 4.24% |
| 48 Months | 1as low as 4.49% | 1as low as 5.24% |
| 60 Months | 1as low as 4.84% | 1as low as 5.44% |
| 66 Months | 1as low as 5.09% | 1as low as 5.64% |
| 72 Months | 1as low as 5.09% | 1as low as 5.64% |
| 84 Months | 1as low as 6.09% | 1as low as 6.49% |
| 1The “as low as” rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. | ||
Motorcycles
Effective Date: Saturday, April 27th, 2024
| Loan Term | Rate APR* New | Rate APR* Used |
|---|---|---|
| 36 Months | 1as low as 5.74% | 1as low as 5.99% |
| 48 Months | 1as low as 6.24% | 1as low as 6.49% |
| 60 Months | 1as low as 6.24% | 1as low as 6.24% |
| 66 Months | 1as low as 6.49% | 1as low as 6.74% |
| 72 Months | 1as low as 6.49% | 1as low as 6.74% |
| 1The “as low as” rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. | ||
Boats
Effective Date: Saturday, April 27th, 2024
| Loan Term | Rate APR* New | Rate APR* Used |
|---|---|---|
| Up to 180 Months | 1as low as 5.94% | 1as low as 6.29% |
| 1The “as low as” rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. | ||
RVs
Effective Date: Saturday, April 27th, 2024
| Loan Term | Rate APR* New | Rate APR* Used |
|---|---|---|
| Up to 180 Months | 1as low as 5.74% | 1as low as 5.893% |
| 1The “as low as” rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount. | ||
Mortgages
Effective Date: Saturday, April 27th, 2024
| Loan Product | Rate APR* | Loan to Value (LTV) |
|---|---|---|
| 5/6 Month ARM | as low as 8.000% | 80% |
| 5 year Adjustable Rate Mortgage. The rate is fixed for the first 5 years. After that the rate may vary annually and the payment may increase or decrease. Variable Rate may change on a quarterly basis and it is based on the Prime Rate as published on the Wall Street Journal (currently 8.50%) plus margin with a floor rate of 4.00%. Homeowners/property insurance may be required. | ||
Fixed Rate Mortgages | ||
| 30 Year | 7.375% | 80% |
| 20 Year | 7.125% | 80% |
| 15 Year | 6.875% | 80% |
| 10 Year | 6.500% | 80% |
Home Equity
Effective Date: Saturday, April 27th, 2024
| Loan Product | Rate APR* | Loan to Value (LTV) |
|---|---|---|
Home Equity "Line of Credit" (Open End-Variable Rate) | ||
| Single Family Home, Condos and Townhomes | as low as 7.50% up to 18.00% | Up to 80% |
| Variable Rate may change on a quarterly basis and it is based on the Prime Rate as published on the Wall Street Journal (currently 8.50%) plus margin with a floor rate of 4.00%. Closing costs typically range between $900 – $3,000 (Currently the CU gives you a credit of $500 for loans up to $75,000 and a credit of $1,000 for loans greater than $75,000). There are no membership fees or annual fees associated with this type of loan. Homeowners/property insurance may be required. | ||
Home Equity (Closed End – Fixed Rate) | ||
| Single Family Home, Condos and Townhomes | as low as 5.75% | Up to 80% |
*APR – Annual Percentage Rate. Consumer loan rates, which are subject to change without notice, may vary with respect to your credit history, the model year of the vehicle, the term of the loan and loan to value. Annual Percentage Rate is subject to credit union guidelines.
1The “as low as” rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Deposit Rates
Share Rates
Effective Date: May 1st, 2018
| Balance | Dividend Rate | APY* |
|---|---|---|
| $50.00 | 0.15% | 0.15% |
| A balance of at least one share ($5) is required to establish and maintain membership. The balance in your Membership Savings Account must not be reduced below the value of one share ($5) at any given time. | ||
Checking Account Rates
Effective Date: May 1st, 2018
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0.00 | 0.00% | 0.00% |
Money Market Savings Account Rates
Effective Date: April 1st, 2023
| Balance | Dividend Rate | APY* |
|---|---|---|
| $50 – $2,500 | 0.000% | 0.00% |
| $2,501 – $10,000 | 0.75% | 0.75% |
| $10,001 – $250,000 | 1.250% | 1.257% |
| $250,001 or greater | 2.000% | 2.018% |
| The money market savings account is a tiered account. Once a particular range is met the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. | ||
Money Market Checking Account Rates
Effective Date: December 20, 2023
| Balance | Dividend Rate | APY* |
|---|---|---|
| $10,000 | 0.20% | 0.20% |
Share Certificates
Effective Date: DEcember 14, 2023
| Term | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Disclosure | |||
| 6 Months | $1,000 | 5.05% | 5.17% |
| 12 Months | $1,000 | 5.30% | 5.43% |
| 18 Months | $1,000 | 4.15% | 4.23% |
| 24 Months | $1,000 | 4.25% | 4.33% |
| 30 Months | $1,000 | 3.60% | 3.660% |
| 36 Months | $1,000 | 3.60% | 3.660% |
| 48 Months | $1,000 | 3.60% | 3.660% |
| 60 Months | $1,000 | 3.65% | 3.71% |
Individual Retirement Accounts
Effective Date: December 14, 2023
| Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Disclosure | |||
| IRA Share | $1,000 | 0.60% | 0.60% |
| 6 Month IRA Share Certificate | $1,000 | 5.05% | 5.17% |
| 12 Month IRA Share Certificate | $1,000 | 5.30% | 5.43% |
| 18 Month IRA Share Certificate | $1,000 | 4.15% | 4.23% |
| 24 Month RA Share Certificate | $1,000 | 4.25% | 4.33% |
| 30 Month IRA Share Certificate | $1,000 | 3.60% | 3.66% |
| 36 Month RA Share Certificate | $1,000 | 3.65% | 3.71% |
| 48 Month RA Share Certificate | $1,000 | 3.60% | 3.660% |
| 60 Month IRA Share Certificate | $1,000 | 3.65% | 3.712% |
* APY – Annual Percentage Yield. The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. Fees may reduce earnings.
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