Rates

Savings Rates

Savings Account DescriptionDividend RateAnnual Percentage YieldMinimum opening depositMinimum Balance to earn DividendsDividends Paid
Christmas Club.10% .10% APY*$5.00$5.00Quarterly
IRA Account.10% .10% APY*$5.00$5.00Quarterly
Membership Savings*.10% .10% APY*$5.00$100.00Quarterly
Savings Club.10% .10% APY*$5.00$100.00 and UPQuarterly

Rates Effective April 1, 2015
See account Disclosure brochure for further account information
*(APY) Annual Percentage Yeild- Rates are subject to change at any time.  Fees can reduce earnings on some accounts.
Some criteria may need to be met to earn stated rate.  A penalty may be imposed for early withdrawal.

Certificate Rates

DescriptionTermDividend RateAnnual Percentage YieldMinimum Opening DepositMinimum Balance to Earn DividendsDividends Paid
Money Market --------- .15% .150% APY*$2,500.00$2500.00 and upMonthly
Share Certificate6 months .20% .20% APY*$1000.00$1,000.00 and upMonthly
Share Certificate 12 months.27% .27% APY*
$1000.00
$1,000 to $5,000.00
Monthly
Share Certificate12 months.35%.350% APY*$1000.00Over $5000.00Monthly
Share Certificate18 months.40% .40% APY*$1000.00$1,000 to $5,000.00
Monthly
Share Certificate18 months.50%.500% APY*$1000.00Over $5000.00Monthly
Share Certificate24 months.60% .60% APY*$1000.00$1,000 to $5,000.00
Monthly
Share Certificate24 months.75%.750% APY*$1000.00Over $5000.00Monthly
IRA Certificate12 months.27% .271% APY*$500.00$500.00 to $5000.00Monthly
IRA Certificate12 months.35%.351% APY*$500.00Over $5000.00Monthly
IRA Certificate24 months.60%.601% APY*$500.00$500.00 to $5000.0Monthly
IRA Certificate24 months.75%.751% APY*$500.00Over $5000.0Monthly

 

Rates Effective June 1, 2017
See account Disclosure brochure for further account information
*(APY) Annual Percentage Yeild- Rates are subject to change at any time. Fees can reduce earnings on some accounts.
Some criteria may need to be met to earn stated rate. A penalty may be imposed for early withdrawal.

RV Rates

 

Recreational Vehicles –Boats, Campers Under $50,000.00, Motor Homes Under $50,000.00, Motorcycles, Four Wheelers, Jet Skis, Wave Runners etc.
Under $20,000.00 up to 60 months APR$20,000.01 to $32,999.00$33,000.00 and up
5 years- 10 yearsOver 10 years up to 15 years
Not to Exceed 18.00% APR*Not to Exceed 18.00% APR*
New Recreational Tier A 5.50% APR*Rates are .50% higher than under $20,000.00Rates are 1.00 % higher than under $20,000.00
Tier B 5.70% APR*Tier E rate 18.00% APR*
Tier C 7.15% APR*
Tier D 10.40% APR*
Tier E 17.65% APR*
Your APR is based on our internal credit criteria. Listed APRs assume excellent credit. Minimum and maximum loan amounts may apply. Payment example based on a $15,000 loan: $287.12 at 5.50% APR with a 60 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
Used RecreationalTier A 6.15% APR*Rates are .50% higher than under $20,000.00Rates are 1.00% higher than under $20,000.00
Tier B 6.35% APR*Tier E rate 18.00% APR*
Tier C 8.45% APR*
Tier D 11.45% APR*
Tier E 17.65% APR*
Your APR is based on our internal credit criteria. Listed APRs assume excellent credit. Minimum and maximum loan amounts may apply. Payment example based on a $15,000 loan: $291.82 at 6.15% APR with a 60 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
Campers and Motor HomesTier A 6.98% APR*$50,000.00 and upup to 20 years
Tier B 7.25% APR*
Tier C 8.70% APR*
Your APR is based on our internal credit criteria. Listed APRs assume excellent credit. Minimum and maximum loan amounts may apply. Payment example based on a $50,000 loan: $290.42 at 3.50% APR with a 240 month term. Your APR may differ based on your loan amount, repayment method, and other factors.
*APR-Annual Percentage Rate

 

Closed & Open End Loans

CLOSED END (WITH MAX 4YR TERM) AND OPEN-END UNSECURED SIGNATURE LOANS
TypeAPRScheduled Payment AmtLoan Maximum Amount
**Overdraft (for checking)18.00% APR*3% of Max Loan AmountSee Loan Limit Chart
Line of Credit (APR by Tiers)Tier A 10.20% APR*3% of Max Loan AmountSee Loan Limit Chart
Tier B 11.20% APR*(Open End)
Tier C 12.50% APR*
Tier D 17.50% APR*
Tier E 18.00% APR*
Closed End (APR by Tier)Tier A 7.00% APR*
Tier B 7.50% APR*
Tier C 8.00% APR*
Tier D 17.50% APR*
Tier E 18.00% APR*

*APR effective as of 3/1/2015 and subject to change.

Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit rating. Minimum and maximum loan amounts or credit limits apply. Minimum and maximum loan amounts may apply. Payment example based on a $10,000 loan: $240.00 at 7.00% APR with a 48 month term. Your APR may differ based on your loan amount, repayment method, and other factors.

*APR-Annual Percentage Rate

Mortgage Loans

Contact the credit union for more information on Mortgage rates

Visa Rates

VISA 
Apr/RateMethod of ComputingAnnual Fee
9.20% APRAverage Daily Balance Including New Purchase$10.00 Per Year/No annual fee on Senior Gala Club Checking account/First year Annual Fee waived on New accounts/No annual fee with Active share draft account.View important Disclosures

Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we evaluate your credit information and at such time, your APR for any new balance is subject to change. Minimum and maximum credit limits apply.

*APR-Annual Percentage Rate

Property Loans

PROPERTY LOANS
APR/RateTermsFinance AmountType of Property
(Tier A&B) 5.90% APR* (Tier C) 6.90% APR*7 Year Term/10 Year FixedPersonal/Owner Occupied
(Tier D) 9.90% APR* (Tier E) 14.90% APR* Maximum 90% of Appraised Value
(Tier A&B) 6.40% APR* (Tier C) 7.40% APR*Over 10 Years/15 Year Fixed
(Tier D) 10.40% APR* (Tier E) 15.40% APR*

 

*Rates effective as of 9/16/2014 and subject to change.

Your APR is based on our internal credit criteria. Listed APRs assume excellent credit. Minimum and maximum loan amounts may apply. Payment example based on a $30,000 loan: $438.00 at 5.90% APR with a 84 month term. Your APR may differ based on your loan amount, repayment method, and other factors.

*APR-Annual Percentage Rate

Vehicle Loans

 

We have the rate that will fit you!  Call our loan department for more information at 337-233-6744.

 

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