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Rates

 

 

DIVIDEND RATES
Effective: September 6th, 2017

Certificate of Deposit Rates are subject to change daily.

Account Type

Annual
Percentage
Rate

Annual
Percentage
Yield

Eligible
Amount

Share Savings Accounts

0.45%

0.45%

Balances over $100

Club Accounts

0.50%

0.50%

Balances over $100

Certificates of Deposit / 6 months

0.30%

0.30%

$500 minimum deposit required

Certificates of Deposit / 9 months

0.35%

0.35%

$500 minimum deposit required

Certificates of Deposit / 12 months

1.00%

1.00%

$500 minimum deposit required

Certificates of Deposit / 14 months 1.30% 1.31%

$500 minimum deposit required

Certificates of Deposit / 15 months 1.50% 1.51%

$500 minimum deposit required

Certificates of Deposit / 18 months

1.50%

1.51%

$500 minimum deposit required

Certificates of Deposit / 24 months

1.05%

1.05%

$500 minimum deposit required

Certificates of Deposit / 30 months

1.15%

1.15%

$500 minimum deposit required

Certificates of Deposit / 36 months

1.25%

1.26%

$500 minimum deposit required

Certificates of Deposit / 48 months  1.50%  1.51%  $500 minimum deposit required
Certificates of Deposit / 55 months  2.00%  2.02% $500 minimum deposit required

 

 

LOAN RATES
Effective: October 1, 2017

Loan Type

Term
(months)

Rate as low as* 
(rates are based on applicant's credit bureau score and various discounts)

Vehicle Loans: 2018/17/16 models

36

2.50%**

Vehicle Loans: 2018/17/16 models 48  2.75%**

Vehicle Loans: 2018/17/16 models

72

3.00%**

Vehicle Loans: 2018/17/16 models

84

4.00%**

RVs over $60,000

120

7.00%**

Vehicle Loans: 2015/14/13 models 36 3.75%**

Vehicle Loans: 2015/14/13 models

(Can go up to 72 mos if amount is $15,000 or more)

60

4.00%**

Vehicle Loans: 2012 models 48 4.75%**

Vehicle Loans: 2012 models

(Can go up to 72 mos if amount is $12,000 or more)

60

5.00%**

Vehicle Loans: 2011-2006 models ( up to $10,000) 36 5.00%**

Vehicle Loans: 2011-2006 models ( up to $10,000)

48

5.25%**

Vehicle Loans: 2011-2006 models ($10,000 and over)

60

6.50%**

Vehicle Loans: 2005 and earlier models (up to $8,000)

24

5.25%**

Vehicle Loans: 2005 and earlier models ($8,000 and over) 36 5.50%**

Vehicle Loans: 2005 and earlier models ($8,000 and over)

48

6.75%**

Computer Loans ($3,500 maximum - 100% of purchase price)

36

7.00%*

Lawnmowers (up to $5,000; 95% of appraised value)

36

5.00%*

Lawnmowers (over $5,000; 95% of appraised value)

72

6.00%*

Equipment (up to $5,000; 95% of appraised value)

36

4.00%*

Equipment ($5,001 to $40,000; 95% of appraised value)

72

4.50%*

Equipment $40,001 to $49,999; 95% of appraised value)

84

5.50%*

Equipment over $50,000; 95% of appraised value)

84

5.50%*

Signature Loans

60

11.00%*

Christmas/Vacation Loans

24

8.00%*

Credit Card

 

13.90%

Share Secured Loans

72

2.50%*

CD Secured Loans

60

rate + 2.50%*

 

 

LOAN TERMS

*Rates are based on applicant's credit bureau score.  Rate stated is with "A" paper.  0.50% discount is included in stated rate for auto payment or payroll deduction.

**Recreational Items:  Increase rate shown by 1%.  Includes all RV's, campers, boats, watercraft, motorcycles, UTVs, ATVs and any other items determined by loan officer.

Rates are subject to credit approval.

These rates apply to NEW money only.

Up to 95% financing on sticker price on new vehicles.
Up to 95% financing on NADA value of all used vehicles.
Up to 80% financing on salvage title vehicles.

The Credit Union offers credit disability and credit life products up to $40,000 per loan to our members provided that eligibility requirements are met.  Coverage is available to the primary borrower and the joint borrower subject to certain age requirements and pre-existing condition limitations. 

Loan values are based on NADA values providing that the vehicles are in good condition.  The value of the vehicle will be left up to the discretion of the loan officers and vehicles may need to be viewed before advances are made.

 

 

 

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