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Better rates — just one of the benefits of credit union membership.

Lending Rates

Vehicle Loan Rates

Effective Oct 1, 2017Print

Loan Type Term APR* Est. Payment
per $1000
New Auto / Truck Up to 48 months 1.99% $21.69/
48 Mos.
Used Auto / Truck Up to 72 months 2.99% $22.13/
48 Mos.
New Motorcycle Up to 30 months 7.00% $36.43/
30 Mos.
Used Motorcycle Up to 18 months 7.50% $58.91/
18 Mos.
New Boat Up to 96 months 9.00% $14.65/
96 Mos.
Used Boat Up to 72 months 9.50% $18.27/
72 Mos.
New Recreational Vehicle Up to 96 months 8.75% $14.52/
96 Mos.
Used Recreational Vehicle Up to 72 months 9.25% $18.15/
72 Mos.
New Mobile Home
(Primary Residence)

New Mobile Home
(Non-Residence)
Up to 144 months

Up to 96 months
9.25%

8.75%
$11.52/
144 Mos.

$14.52/
96 Mos.
Used Mobile Home Up to 96 months 9.50% $14.91/
96 Mos.
*APR=Annual Percentage Rate. Rates stated are as low as. Actual rate may vary and is based on applicant’s credit score.

Personal Lending Rates

Effective Oct 1, 2017Print

Loan Type Term APR* Est. Payment per $1000
Personal Line of Credit† Open-end 10.00%
Signature Loan Up to 60 months 8.50% $20.52/
60 mos.
Share Secured Up to 60 months Dividend Rate Plus 2.50% $17.79/
60 mos.
Based on .10% dividend
Share Certificate Secured†† Up to term of certificate Dividend Rate Plus 2.50% $17.79/
60 mos.
Based on .10% dividend
*APR=Annual Percentage Rate. Rates stated are as low as. Actual rate may vary and is based on applicant’s credit score.
†Personal Line of Credit Application reviewed every 2 years. Rate may change after two years to
the current stated rate based on credit review and credit score.
††Secured funds must remain in account for the term of the loan.

Home Equity Lending Rates

Effective Oct 1, 2017Print

Loan Type Term APR* Financing Information Estimated Payment
Home Equity Loan† Up to 120 Months 6.99% Fixed $50,001 - $100,000 $696.23 for $60,000 over 120 months
Home Equity Loan†† Up to 60 Months 5.99% Fixed $10,000 - $50,000 $966.20 for $50,000 over 60 months
Home Equity Line of Credit†† Open-end 4.00% Variable Rate; Maximum Rate 18% APR*
*As low as. APR=Annual Percentage Rate. Actual rate may vary, is subject to change without notice and is based on applicant’s credit score. Loans are made only on personal residences within 150 mile radius of our main office. Property insurance required. Credit Union pays all closing costs. Repayment of closing cost required if loan is paid off within three years. The interest you pay may be tax deductible. Ask your tax adviser if you are eligible. Other restrictions may apply.
†Home Equity Line of credit is variable rate, open-end loan. Rate is indexed to the US Treasury 5 Year Constant Maturity + 1%. Not all applicants will qualify for lowest rate. Minimum loan is $10,000.
††Home Equity Loan is a fixed rate, closed-end loan with one-time disbursement.

Dividend Rates

Savings Account Rates

Effective Oct 1, 2017Print

Account Min. Balance to Open Min. Balance to Earn APY Dividend Rate APY*
Regular Savings $10 $100 - $4,999
$5,000+
.10%
.15%
.10%
.15%
uChoose Club Accounts $5 $5 .25% .25%
Secondary Savings $5 $100 .25% .25%
Money Market $1,000 $1,000-$14,999
$15,000-$34,999
$35,000-$49,999
$50,000+
.10%
.15%
.20%
.25%
.10%
.15%
.20%
.25%
IRA Savings $5 $5 .50% .50%
IRA Roth Savings $500 $500 1.00% 1.01%
Educational Savings $500 $500 1.25% 1.26%
*APY = Annual Percentage Yield. Share Account dividends are compounded and paid monthly. Dividend Rate and APYs are variable and are subject to change. If you close your share account prior to the payment of dividends, you will not receive the accrued dividend.

Smart Saver
Term Certificate Rates

Effective Oct 1, 2017Print

Share & IRA Certificates Min. Balance
to Open
Min. Balance
to Earn APY
Dividend
Rate
APY*
6 Month Certificate $1,000 $1,000 .40% .40%
12 Month Certificate $1,000 $1,000 .85% .85%
24 Month Certificate $1,000 $1,000 1.15% 1.16%
36 Month Certificate $1,000 $1,000 1.40% 1.41%
48 Month Certificate $1,000 $1,000 1.65% 1.66%
60 Month Certificate $1,000 $1,000 1.85% 1.87%
IRA Certificates $500 $500 Same as above Same as above
Jumbo Certificates $100,000 $100,000 Inquire at CU Inquire at CU
†Smart Saver Term Share Certificate Balance Computation Method: Balance Computation Method: Daily Balance. Dividend Accrual: Dividends earned from day of deposit to day of withdrawal. Dividend accrual on non-cash deposits will begin on the day of deposit. Fees: No service fees. Early Withdrawal: Penalty for withdrawal of funds other than dividends prior to maturity is 90 days of dividends earned. Maturity: Rate is fixed for the term of the certificate. Notice of maturity is mailed fifteen (15) days prior to maturity date, stating the certificate will automatically renew. Withdrawal or transfer of certificate funds is permitted within a five (5) day period following the maturity date. Transaction Limits: After the account is opened, deposits into or withdrawals from the account are not permitted until maturity.
*APY = Annual Percentage Yield

Bump Up
Term Certificate Rates††

Effective Oct 1, 2017Print

Share Certificate Min. Balance to Open Min. Balance to Earn APY Dividend Rate APY*
48 Month Terms $1,000 $1,000 1.40% 1.41%
60 Month Terms $1,000 $1,000 1.60% 1.61%
††Bump Up Term Share Certificates allow you to "bump up” your dividend rate by requesting a one-time rate increase during the maturity term to the prevailing rate for the same term. Dividends are earned from day of deposit to day of withdrawal and are paid and compounded monthly. A penalty may apply for early withdrawal. Rate is fixed for the term of the certificate with the added allowance of one rate increase to the prevailing rate of the same term during the maturity period.
*APY = Annual Percentage Yield

Pot of Gold
Term Certificate Rates†††

Effective Oct 1, 2017Print

Min. Weekly Deposit Term Dividend Rate APY*
$6/week 48 - 72 Months 1.00% 1.01%
$25/week 48 - 72 Months 2.00% 2.02%
†††Pot of Gold Term Share Certificate dividends are compounded and paid quarterly. Dividend Rate and APYs are variable and subject to change. A penalty will apply for early withdrawal of any funds before maturity. Opening deposit must be equal to contracted deposit amount.
*APY = Annual Percentage Yield


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