Rates


LOAN RATES

Loan Type Maximum Term Rates (APR)*
Share Secured Varies Earning Rate +1.00%
Minimum APR = 1.99%
New Vehicles
(2-years old or newer)
Up to 84 months
(100% of purchase price, NADA or Kelly Guide)
1.99%-10.75%
Used Vehicles Up to 72 months
(100% of purchase price, NADA or Kelly Guide)
1.99%-11.25%
Campers/Motorhomes Up to 120 months 1.99%-11.75%
Rates based on credit history, down payment and term of the loan.
Signature Up to 60 months 12.00%
Overdraft Protection Revolving 11.00%
Minimum payment is determined by amount of credit line, with a minimum payment of not less than $20.00 per month.
Manufactured Homes
 No Real Estate
Contact credit union for terms 11.75%
Real Estate
 (Commercial & Noncommercial)
Call credit union
Home Loans Call credit union
Construction Loans Call credit union
Operating Loans /
 Member Business Loans
Contact credit union for terms 4.75%-8.60%
Equipment Loans Contact credit union for terms 4.25%-8.75%

VISA Credit Cards

Loan Type Maximum Term Rates (APR)*
VISA Credit Cards Revolving 11.90%
*APR = Annual Percentage Rate

REGULAR SHARES

Account Type Fees Dividend Rate APY***
Share Accounts No Monthly Fees 0.40% 0.40%
*Rates are estimated for quarter. Dividends declared in last month of each quarter.

SHARE DRAFTS

Account Type Fees Dividend Rate APY***
Share Draft Accounts No Monthly Fees 0.00% 0.00%

CERTIFICATE RATES**

Term Minimum Balance Dividend Rate APY***
6 months $500.00 0.65% 0.65%
9 months $500.00 0.70% 0.70%
1 Year $500.00 0.80% 0.80%
18 months $500.00 0.90% 0.90%
2 Years $500.00 1.15% 1.15%
3 Years $500.00 1.39% 1.40%
4 Years $500.00 1.79% 1.80%
5 Years $500.00 2.03% 2.05%
Student 1-3 Years $500.00 1.39% 1.40%
CERTIFICATE RATES EFFECTIVE 1/26/2015
**Dividends paid quarterly from certificate origination or renewal date.

***APY=Annual Percentage Yield. Rates are subject to change without notice. Please contact your credit union to confirm dividends/rates and for terms and further information applicable to the advertised rates and accounts. Fees may reduce earnings on all accounts. Early withdrawal penalties may apply to all certificates.

NCUA