Check Share, Loan, Mortgage and Home Equity Rates Below
Click here to see Share Certificates (CD'S), Club Accounts and IRA Acounts Rates
Share Rates Effective January 3, 2012
| Share Certificates, CD's | |||
| Term | Annual Percentage Rate (APR) | Annual Percentage Yield (APY) | Minimum Deposit |
|---|---|---|---|
| 6 Months | 0.15% | 0.15% | $500.00 |
| 1 Year | 0.25% | 0.25% | $500.00 |
| 2 Years | 0.35% | 0.35% | $500.00 |
| 3 Years | 0.45% | 0.45% | $500.00 |
| 4 Years | 0.55% | 0.55% | $500.00 |
| 5 Years | 0.90% | 0.90% | $500.00 |
| IRAs | |||
| Type | Annual Percentage Rate (APR) | Annual Percentage Yield (APY) | Minimum Balance |
|---|---|---|---|
| Regular Shares | 0.05% | 0.05% | $10.00 |
| 1 Year Share Certificate | 0.25% | 0.25% | $500.00 |
| 2 Year Share Certificate | 0.35% | 0.35% | $500.00 |
This Credit Union is federally insured by the National Credit Union Association
— A Federal Goverment Agency
— A Federal Goverment Agency
The rates offered on variable rate products may change after the account is open. Early withdrawal penalties may be imposed on withdrawals before maturity on certificate accounts.
If your account has an original maturity of one year or less: The fee we may impose will equal 31 days interest on the amount withdrawn subject to penalty.
If your account has an original maturity of more than one year: The fee we may impose will equal 90 days interest on the amount withdrawn subject to penalty.
In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.
If your account has an original maturity of one year or less: The fee we may impose will equal 31 days interest on the amount withdrawn subject to penalty.
If your account has an original maturity of more than one year: The fee we may impose will equal 90 days interest on the amount withdrawn subject to penalty.
In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.
Click here to see Loans (New & Used Auto's and other loan) Rates
Loan Rates Effective January 1, 2012
| Used Vehicle and Signature Loans | ||
|
Loan-Type | Approximate Term | Annual Percentage Rate |
|---|---|---|
| NEW VEHICLES | 36 Months | 4.24% |
| 48 Months | 4.24% | |
| 60 Months | 4.39% | |
| 72 Months | 4.39% | |
| USED VEHICLES | 06/Older - 48 Months | 4.84% |
| 07/newer - 60 Months | 4.74% | |
| 08/newer - 60 Months | 4.74% | |
| 09/newer - 60 Months | 4.54% | |
| 10/newer - 36 Months | 4.39% | |
| 10/newer - 48 Months | 4.39% | |
| 10/newer - 60 Months | 4.49% | |
| 10/newer - 66 Months | 4.49% | |
| RV's | 10/newer - 60 Months | 4.75% |
| 10/newer - 48 Months | 4.55% | |
| 10/newer - 36 Months | 4.50% | |
| 09/older - 48 Months | 4.65% | |
| SIGNATURE | 36 Months | 9.00% |
| CONSOLIDATION | 36 Months | 13.00% |
| OVERDRAFT | 12 Months | 12.00% |
| SHARE / CERTIFICATE | 36 Months | 5.50% |
The ANNUAL PERCENTAGE RATE (APR) you will receive for the above Sub-Accounts may vary with the above stated range and is based on certain credit worthiness criteria. Please ask a loan officer for the rate you qualify for.
The Annual Percentage Rate for all advances will be the Current Prime Rate on the date of the advance plus the percentage shown in the "Percent Above Index" column above. Once an advance has been made on a particular Sub-Account the Annual Percentage Rate for that advance on that Sub-Account will not change until an additional advance on that Sub-Account has been made and at that time the Annual Percentage Rate will change to the Current Prime Rate on that advance date plus the percentage shown in the "Percent Above Index" column shown above.
Filing Fee: You will be charged a lien filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain a lien on your property. The amount of the filing fee will be disclosed on the voucher.
Vendor's Single Interest: You must obtain vendor's single interest insurance to obtain this loan. The insurance fee is $40.00. All subrogation rights are waived by the insurer.
Late Charges: 5% of loan payment amount on every payment 10 days past due.
Click here to see Mortgage and Home Equity Rates
Mortgage and Home Equity Rates as of January 1, 2012
| Mortages | |
| Term | Annual Percentage Rate(APR) |
|---|---|
| 1–15 years | 5.00% |
| 16-20 years | 5.25% |
| 21-25 years | 5.50% |
| Home Equity | |
| Term | Annual Percentage Rate(APR) |
|---|---|
| 1–15 years | 5.00% |
