Risk-Based | Loans | Savings | Certificates
New Auto's, Motorcycles, Boats, RV's, etc. A new vehicle loan is deemed to be a 2006-2005 year model vehicle with under 10,000 miles. A used vehicle loan is deemed to be a 2005-1996 year model vehicle.
Used Auto's, Motorcycles, RV's, Boats, etc.
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| up to 24 months |
2.75
|
3.75 |
8.75 |
12.75 |
| 25 - 48 months |
3.75 |
4.75 |
9.75 |
14.75 |
| 49 - 60 months |
4.75 |
5.75 |
10.75 |
15.75 |
| 61 - 72 months |
5.75 |
6.75 |
11.75 |
16.75 |
Older Used Auto Loans
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 36 months |
10 |
12 |
16 |
18 |
Personal/Unsecured Loans
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 12 to 60 months |
9.9 |
12.5 |
16.9 |
18 |
Home Equity 80%
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 60 months |
5.75 |
6.75 |
9.75 |
13.75 |
| 120 months |
7.75 |
8.75 |
12.75 |
14.75 |
Home Equity Line of Credit 80%
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 60-180 months |
6.75 |
7.75 |
8.75 |
9.75 |
Home Equity 90%
| Credit Rating |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 60 months |
7.75 |
8.75 |
12.75 |
15.75 |
| 120 months |
9.75 |
11.75 |
14.75 |
17.75 |
| 180 months |
11.75 |
13.75 |
15.75 |
17.75 |
| The rate that you receive will be based on terms. All rates are subject to change. Members need to contact a loan officer for information on Certificate Secured Loans. |
| Loans |
Rate |
APR* |
Term |
|
| Visa Gold Credit Cards |
9.900 |
9.900 |
n/a |
Calculator |
| Visa Classic Credit Cards |
13.900 |
13.900 |
n/a |
Calculator |
| Share Secured Loans |
2.500 |
2.500 |
120 |
Calculator |
| Share minimum balance is $25.00. All rates are subject to change |
| Savings |
Dividend Rate |
APY* |
Term |
| Share Accounts |
0.500 |
0.500 |
n/a |
| Share Draft Accounts |
|
0.000 |
n/a |
| Christmas Club Account |
0.500 |
0.500 |
n/a |
| Mad Money Accounts |
0.500 |
0.500 |
n/a |
Share dividends accrue daily and are posted quarterly. Share Draft Accounts do not pay dividends.
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| APY assumes that dividends are left on deposit. Withdrawals can reduce earnings. |
| Certificates |
Dividend Rate |
APY* |
Term |
| Certificate - 6 Months |
1.98 |
2.00 |
6 |
| Certificate - 12 Months |
1.98 |
2.00 |
12 |
| Certificate - 18 Months |
1.98 |
2.00 |
18 |
| Certificate - 25 Months |
1.98 |
2.00
|
25 |
| Certificate-36 Months *An early withdrawal penalty will be assessed |
1.98 |
2.00 |
36 |
| IRA Accumulation Account |
1.74 |
1.75 |
n/a |
| IRA - 18 Month Certificate |
1.98 |
2.00 |
18 |
| Money Market Account |
1.000 |
1.000 |
n/a |
Early withdrawals could result in penalities. Consult staff for more details.
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Rates
