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Risk-Based | Loans | Mortgage | Savings | Certificates
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Open End Lending now available. A one time application to be completed for most loans. Under one open end plan you can have several loans of different types. Cash advances are granted within minutes. Contact the Credit Union Office for details.
Rates Subject to Change.
Rate Based on Beacon Scores.
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NEW! VISA Platinum Credit Cards
| Credit Rating |
Premier |
Select |
Choice |
Signature |
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| Payments based on 2% of balance. Fixed Rate |
8.9 |
9.9 |
11.9 |
15.9 |
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NEW! OPEN END LINE OF CREDIT (LOC) - Up to $7000.00
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| Payments based on 3% of last cash advance. Variable Rate. |
8.25 |
9.25 |
10.50 |
n/a |
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Closed End Signature Loans - Up to $5000.00
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 48 months - Fixed Rate |
n/a |
n/a |
n/a |
12.50 |
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NEW! Open End New Vehicles Loans
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
|
Under $20,000 - 60 months
Over $20,000 up to 72 months
Over $40,000 up to 84 months
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5.50 |
5.75 |
6.50 |
n/a |
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Closed End New Vehicles Loans
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| 60 months |
n/a |
n/a |
n/a |
9.00 |
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NEW! Open End Used Vehicles
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
Up to $7000.00 - 36 monnths
$7000.00 to $18,000 - 48 months
$18,000 to $25,000 - 60 months
$25,000 and over - 72 months |
5.50 |
5.75 |
6.5 |
n/a |
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Closed End Used Vehicles
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
E
APR* |
| up to 60 months |
n/a |
n/a |
n/a |
9.00 |
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| Loans |
Rate |
APR* |
Term |
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| Open End Share Secured Loans - Based 3% of Savings Rate |
4.25 |
4.25 |
144 |
Calculator |
| Open End Certificate Secured Loans - Based on 3% of 2 year Certificate of Deposit |
6.25 |
6.25 |
144 |
Calculator |
| Closed End 90 Day Notes - up to $1000.00 |
15.00 |
15.00 |
3 |
Calculator |
| Overdraft Loans - $300.00 to $1000.00 |
15.00 |
15.00 |
n/a |
Calculator |
Real Estate Loans - Up to 25,000.00 (unimproved property only)
HELOC (Home Equity Line of Credit)
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HELOC is a variable rate based on the prime rate
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| Rate |
Points |
APR* |
| 5.00% |
|
5.00% |
Rates Subject to Change
Amount of Financing Must Meet Policy |
| Savings |
Rate |
APY* |
Term |
| Regular Savings - $25.00 minimum |
1.25 |
1.26 |
n/a |
| Christmas Club Account |
1.00 |
1.00 |
n/a |
| Share Draft Account - (Checking) |
1.00 |
1.00 |
n/a |
| IRA - (Traditional IRA) |
3.25 |
3.29 |
n/a |
| IRA - (Roth IRA) |
3.25 |
3.29 |
n/a |
*APY-annual percentage yield
Notice to members for Customer Identification Under USA Patriot Act
In order to comply with the USA Patriot Act, we are required to verify the identity of members applying for and opening new accounts/services or adding signatories to existing account/services with the credit union. Information that we require to obtain includes: name, mailing address, residence address, social security number; date of birth; and copy of government issued photo ID (such as drivers license).
Additional data or identification, as required under this act may also be gathered depending on the type of account applied for or opened.
Data on existing members will be gathered as they open or use additional services offered by the credit union or add signatories on accounts.
The USA Patriot Act requires the credit union to maintain records of the identification verfication and update the information.
Confidentiality of this information will be maintained as required under the Privacy Act and all other applicable laws and regulations.
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| Certificates |
Rate |
APY* |
Term |
| 6 Month Certificate |
3.30 |
3.03 |
6 |
| 12 Month Certificate |
3.25 |
3.29 |
12 |
| 18 Month Certificate |
2.90 |
2.93 |
18 |
| 24 Month Certificate |
2.90 |
2.93 |
24 |
All Rates are Subject to Change
90 Day Interest Penalty for Early Withdrawal |
*APY-annual percentage yield
Notice to members for Customer Identification Under USA Patriot Act
In order to comply with the USA Patriot Act, we are required to verify the identity of members applying for and opening new accounts/services or adding signatories to existing account/services with the credit union. Information that we require to obtain includes: name, mailing address, residence address, social security number; date of birth; and copy of government issued photo ID (such as drivers license).
Additional data or identification, as required under this act may also be gathered depending on the type of account applied for or opened.
Data on existing members will be gathered as they open or use additional services offered by the credit union or add signatories on accounts.
The USA Patriot Act requires the credit union to maintain records of the identification verfication and update the information.
Confidentiality of this information will be maintained as required under the Privacy Act and all other applicable laws and regulations.
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| Rate |
Points |
APR* |
| 7.00% |
|
7.00% |
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