Savings Rates
Rates as of September 1, 2010. Call or Email for more information.
Certificates of Deposit
($500 minimum investment)
| Term |
Rate |
APY* |
| 6 Months** |
0.65% |
0.65% |
| 12 Months** |
0.85% |
0.85% |
| 18 Months** |
1.00% |
1.00% |
| 24 Months** |
1.24% |
1.25% |
| 36 Months** |
1.49% |
1.50% |
| 48 Months |
1.84% |
1.85% |
| 60 Months |
1.99% |
2.00% |
|
Other Accounts
| Type |
Minimum Balance |
Rate |
APY* |
| Share Account |
$100 + |
0.15% |
0.15% |
| Platinum Draft |
$750 + |
0.05% |
0.05% |
| IRA Shares |
None |
0.40% |
0.40% |
| Money Market |
$0-2,499 |
0.25% |
0.25% |
| Money Market |
$2,500-9,999 |
0.35% |
0.35% |
| Money Market |
$10,000-19,999 |
0.40% |
0.40% |
| Money Market |
$20,000-99,999 |
0.65% |
0.65% |
| Money Market |
$100,000 + |
0.75% |
0.75% |
Loan Rates (as low as)
Rates as of July 1, 2010. Call or Email for more information.
Loan Rates |
| Loan Type |
Financing |
Max Terms |
APR* |
|
| New Vehicles |
100% |
72 Months |
4.75% |
|
| New Vehicles: 2009-2010 vehicles under 10,000 miles |
| Used Vehicles |
100% |
72 Months |
5.00% |
|
| Used Vehicles: 2009-2010 vehicles with more than 10,000 miles OR 2003-2008 |
| New Boats & RVs |
90% |
180 Months |
7.50% |
|
| Used Boats & RVs |
90% |
180 Months |
8.00% |
|
| New Motorcycle |
100% |
60 Months |
7.50% |
|
| Used Motorcycle |
100% |
48 Months |
8.00% |
|
| New Harley Motorcycle |
100% |
72 Months |
6.25% |
|
| Used Harley Motorcycle |
100% |
72 Months |
7.00% |
|
| Signature Loans |
100% |
30 Months |
12.50% |
|
| Share Secured |
100% |
60 Months |
5.50% |
|
| CD / MMIF Secured** |
|
12 Months |
6.00% |
|
Line of Credit
(Overdraft Protection) |
|
12 Months |
12.50% |
|
| Transfers will be in $100 increments. |
|
|
|
Other Loan Terms, Conditions & Information
-
100% financing available for new & used cars and trucks.
-
Interest rate discount of .50% available if 10% of the loan is secured by shares or a money market fund.
-
The Annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate offered as security plus 3%. The Certificate must be renewed until the advance is completely paid. Failure to renew will result in default under the Plan. The annual percentage rate and daily periodic rate will be disclosed on the voucher at the time of the advance.
-
For the Managed Credit Program Criteria, please refer to our loan department for further information.
-
Upon each car loan advance, if you no longer qualify for a rate category, your APR will change to reflect the rate category you then qualify for. Any increase in the APR will result in higher payments.
-
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.
-
Late Fee: A late charge of $25.00 will be assessed on each loan payment received 10 or more days after the due date. This charge will extend the term of your loan.
-
Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees not in excess of 15% of the unpaid debt.
-
Your minimum monthly payment will never be less than $20.00 per month.
-
Rates and terms subject to change.
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