Rates

Savings Rates

Savings Rates
Savings Account Description Dividend Rate Annual Percentage Yield Minimum opening deposit Minimum Balance to earn Dividends Dividends Paid
Christmas Club .10% .10% APY* $5.00 $5.00 Quarterly
IRA Account .10% .10% APY* $5.00 $5.00 Quarterly
Membership Savings* .10% .10% APY* $5.00 $100.00 Quarterly
Savings Club .10% .10% APY* $5.00 $100.00 and UP Quarterly

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

Certificate Rates
Description Term Dividend Rate Annual Percentage Yield Minimum Opening Deposit Minimum Balance to Earn Dividends Dividends Paid
Money Market ——— .15% .150% APY* $2,500.00 $2500.00 and up Monthly
Share Certificate 6 months .20% .20% APY* $1000.00 $1,000.00 and up Monthly
Share Certificate 12 months .27% .27% APY* $1000.00 $1,000 to $5,000.00 Monthly
Share Certificate 12 months .55% .550% APY* $1000.00 Over $5000.00 Monthly
Share Certificate 18 months .35% .35% APY* $1000.00 $1,000 to $5,000.00 Monthly
Share Certificate 18 months .55% .550% APY* $1000.00 Over $5000.00 Monthly
Share Certificate 24 months .42% .42% APY* $1000.00 $1,000 to $5,000.00 Monthly
Share Certificate 24 months .80% .800% APY* $1000.00 Over $5000.00 Monthly
IRA Certificate 12 months .27% .271% APY* $500.00 $500.00 to $5000.00 Monthly
IRA Certificate 12 months .55% .551% APY* $500.00 Over $5000.00 Monthly
IRA Certificate 24 months .40% .401% APY* $500.00 $500.00 to $5000.0 Monthly
IRA Certificate 24 months .80% .801% APY* $500.00 Over $5000.0 Monthly

 

Rates Effective November 13, 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 years Over 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 $20,000.00 Rates 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 Recreational Tier A 6.15% APR* Rates are .50% higher than under $20,000.00 Rates 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 Homes Tier A 6.98% APR* $50,000.00 and up up 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
Type APR Scheduled Payment Amt Loan Maximum Amount
**Overdraft (for checking) 18.00% APR* 3% of Max Loan Amount See Loan Limit Chart
Line of Credit (APR by Tiers) Tier A 10.20% APR* 3% of Max Loan Amount See 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*

Mortgage Loans

Contact the credit union for more information on Mortgage rates

VISA Rates

VISA
Apr/Rate Method of Computing Annual Fee Disclosures
9.20% APR Average 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 (PDF – new window/tab)
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Property Loans

PROPERTY LOANS
APR/Rate Terms Finance Amount Type of Property
(Tier A&B) 5.90% APR* (Tier C) 6.90% APR* 7 Year Term/10 Year Fixed Personal/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*

Vehicle Loans

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