Loans | Mortgage | Checking | Savings | Certificates
If it floats or rolls, we have a financing option for you!
The rates below are our best rates available to qualified members.
| Automobiles |
Product
|
APR%*
|
Term
|
|
| New Auto |
4.40%**
|
0-60 Months
|
|
| New Auto |
7.50%**
|
61-84 Months ($25,000 Minimum)
|
|
| Used Auto |
4.40%**
|
0-60 Months
|
|
| Used Auto |
8.50%**
|
61-84 Months ($25,000 Minimum)
|
|
| |
|
Recreation Vehicles
(Boats, RV's, Campers, ATV's, etc.) |
New Recreation Vehicle
|
7.50%**
|
0-60 Months
|
|
| New Recreation Vehicle |
9.50%**
|
61-120 Months ($25,000 Minimum)
|
|
|
New Recreation Vehicle
|
10.50%**
|
121-180 Months ($25,000 Minimum)
|
|
| Used Recreation Vehicle |
8.50%**
|
0-60 Months
|
|
| Used Recreation Vehicle |
10.50%**
|
61-120 Months ($25,000 Minimum)
|
|
| Used Recreation Vehicle |
11.50%**
|
121-180 Months ($25,000 Minimum)
|
|
| |
|
| Motorcycles |
New Motorcycle |
7.50%**
|
0-60 Months
|
|
| New Motorcycle |
9.50%**
|
61-84 Months ($25,000 Minimum)
|
|
| Used Motorcycle |
8.50%**
|
0-48 Months
|
|
| Used Motorcycle |
10.50%**
|
48-60 Months ($15,000 Minimum)
|
|
| |
|
| Personal Loan |
Personal |
9.25%**
|
0-24 Months
|
|
| Personal |
9.25%**
|
25-48 Months
|
|
**Applicants must qualify under normal underwriting guidelines. Rates vary depending on loan and credit history.
Rates and terms subject to change. All auto loans can become Tax-Wise Loans, ask a Member Service
Representative for details.
*APR=Annual Percentage Rate
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Mortgage Rates are Subject to Change. Please call for a quote.
Equity Loan
(Fixed Rate Second Mortgage) |
Owner occupied up to 90% CLTV
|
APR%*
|
Term
|
|
|
7.25%
|
5 Year
|
|
|
8.25%
|
6-10 Year
|
|
|
8.75%
|
11-15 Year
|
|
|
Owner occupied 91-100% CLTV
|
APR%*
|
Term
|
|
|
8.50%
|
5 Year
|
|
|
9.50%
|
6-10 Year
|
|
|
10.00%
|
11-15 Year
|
|
| Equity Line Of Credit |
Owner Occupied Up To 100% CLTV |
APR%
|
Term
|
|
6.75%
|
10 Years
|
|
*APR = Annual Percentage Yield
CLTV means Combined Loan-To-Value Ratio
ELOCs and second mortgages are not subject to add-ons or discounts
Equity Lines of Credit - Wall Street Journal prime interest rate plus 1.75%
Up to 100% Combined Loan to Value
|
Rates Effective as of 05/01/08
|
| Checking Accounts |
Min. Balance to Obtain APY*
 |
Min. Balance to open account |
Dividend Rate
|
APY
|
| Choice Checking |
$1,500
|
$25 |
.15% |
.15% |
| Student Checking: up to age 23 |
$1,000**
|
$25 |
.15% |
.15% |
| Medallion Checking*** |
$2,500** |
$25 |
.15% |
.15% |
| Simply Checking |
N/A |
$25 |
N/A |
.00% |
| Vintage Checking |
N/A |
$25 |
.15% |
.15% |
| Rates Effective as of 05/01/08 |
| Savings |
Min. Balance to Obtain APY*
|
Min. Balance to open account |
Dividend Rate
|
APY* |
| Prime Share Savings |
$100** |
$25 |
.50% |
.50 |
| Custom Share |
$100 |
None |
.50% |
.50 |
| Money Market ($1,000-$2,499)**** |
$1,000 |
$25 |
.50% |
.50 |
| Money Market ($2,500-$9,999) |
$1,000 |
$25 |
.75% |
.75 |
| Money Market ($10,000-$24,999) |
$1,000 |
$25 |
1.49% |
1.50 |
| Money Market ($25,000-$49,999) |
$1,000 |
$25 |
2.47% |
2.50 |
| Money Market ($50,000+) |
$1,000 |
$25 |
2.96% |
3.00 |
| Christmas Club |
$100 |
$25 |
.75% |
.75 |
| Primary IRA |
$100 |
None |
.75% |
.75 |
|
Minimum Balance to Avoid Service Charge
Choice Checking: (a) minimum average daily balance of $1,500 in this account ($0.00 if under age 18); (b) aggregrate average balance of $5,000 or more in all deposit accounts within the same Member Information File (MIF); or (c) any consumer loan of $10,000 or more (includes car loan and installment) -otherwise, $10.00 per month.
Prime Share Savings: (a) maintain an average daily balance of $25 or more ($0.00 in under age 18-otherwise $5 per month.
This Credit Union is Federally insured by the National Credit Union Administration. Federal regulations prohibit the payment of dividends in excess of available earnings. All rates are subject to change without notice.
Ask to receive the Truth-in-Savings Disclosures for any of the above accounts.
*APY means Annual Percentage Yield. The assessment of any applicable fees will reduce the APY.
**$0.00 if under age 18.
Click here to go to our Truth-In-Savings Disclosures.
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|
| Rates Effective as of 05/08/08 |
| Certificates |
Minimum Balance to Obtain APY* |
Minimum Deposit |
Dividend Rate
|
APY* |
Max Term
|
| 6-11 Months |
$ 1,000** |
$ 1,000** |
2.47 |
2.50 |
11 |
| 12-23 Months |
$ 1,000** |
$ 1,000** |
2.72 |
2.75 |
23 |
| 24-35 Months |
$ 1,000** |
$ 1,000** |
2.96 |
3.00 |
35 |
| 36-47 Months |
$ 1,000** |
$ 1,000** |
3.20 |
3.25 |
47 |
| 48-59 Months |
$ 1,000** |
$ 1,000** |
3.45 |
3.50 |
59 |
| 60-84 Months |
$ 1,000** |
$ 1,000** |
3.93 |
4.00 |
84 |
Dividend period/Frequency of Compounding/Crediting: All monthly.
*APY = Annual Percentage Yield
**$500 Minimum for Certificate Accounts Issued as an Individual Retirement Account (IRA) and Student Certificate Accounts age 18-24 ($250 under age 18).
Click here to go to our Truth-In-Savings Disclosures.
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