Rates

Dividend Rates

DIVIDEND RATES
Effective: May 15th, 2024
Certificate of Deposit Rates are subject to change daily.
Account Type Annual Percentage Rate Annual Percentage Yield Eligible Amount
Share Savings Accounts 0.50% 0.50% Balances over $100
Club Accounts 0.60% 0.60% Balances over $100
Certificates of Deposit / 6 months 0.00% 0.00% $500 minimum deposit required
Certificates of Deposit / 12 months 1.50% 1.51% $500 minimum deposit required
Certificates of Deposit / 18 months 4.50% 4.58% $500 minimum deposit required
Certificates of Deposit / 24 months 2.00% 2.02% $500 minimum deposit required
Certificates of Deposit / 36 months 2.50% 2.52% $500 minimum deposit required
Certificates of Deposit / 48 months 3.00% 3.03% $500 minimum deposit required
Certificates of Deposit / 60 months 4.00% 4.06% $500 minimum deposit required

 

Loan Rates

LOAN RATES
Effective: May 1st, 2024
Loan Type Term (months) Rate as low as*
(rates are based on applicant’s credit bureau score and various discounts)
Vehicle Loans: 2024/23/22/21/20 models 36 5.00%**
Vehicle Loans: 2024/23/22/21/20 models 48 5.50%**
Vehicle Loans: 2024/23/22/21/20 models 60 6.00%**
Vehicle Loans: 2024/23/22/21/20 models 72 6.50%**
Vehicle Loans: 2024/23/22/21/20 models ($45,000 and over) 84 7.00%**
RVs over $60,000 96-120 9.50%**
Vehicle Loans: 2019/18/17/16 models 36 6.00%**
Vehicle Loans: 2019/18/17/16 models  48 6.50%**
Vehicle Loans: 2019/18/17/16 models  60 7.00%**
Vehicle Loans: 2019/18/17/16 models (Can go up to 72 mos if amount is $20,000 or more 72 7.50%**
Vehicle Loans: 2015-2012 models (up to $15,000) 36 7.50%**
Vehicle Loans: 2015-2012 models ( up to $15,000) 48 8.00%**
Vehicle Loans: 2015-2012 models ( $15,000 and over) 60 8.50%**
Vehicle Loans: 2011 and earlier models (up to $8,000) 24 8.00%**
Vehicle Loans: 2011 and earlier models (up to $8,000) 36 8.00%**
Vehicle Loans: 2011 and earlier models ($8,000 and over) 48 8.50%**
Lawnmowers (up to $5,000; 95% of appraised value) 36 8.00%*
Lawnmowers (over $5,000; 95% of appraised value) 72 9.00%*
Equipment (up to $5,000; 95% of appraised value) 36 6.50%*
Equipment ($5,001 to $40,000; 95% of appraised value) 72 7.50%*
Equipment $40,001 to $49,999; 95% of appraised value) 84 8.50%*
Equipment over $50,000; 80% of appraised value)   inquire with credit union office
Signature Loans 60 11.00%*
Christmas/Vacation Loans 24 10.00%*
Credit Card   13.90%
Share Secured Loans 72 3.00%*
CD Secured Loans 60 rate + 3.00%*

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, boat motor and boat trailer, 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 JD Power (previously known as 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.