Current Savings & Investment Rates
Effective Date: 1/28/10
| Share Certificates |
| Term (mos.) |
Minimum Deposit |
Annual % Rate |
Annual % Yield |
| 3 |
$1,000 |
1.00% |
1.00% |
| 6 |
$1,000 |
1.24% |
1.25% |
| 12 |
$1,000 |
1.49% |
1.50% |
| 24 |
$1,000 |
2.23% |
2.25% |
| Jumbo Share Certificates |
| Term (mos.) |
Minimum Deposit |
Annual % Rate |
Annual % Yield |
| 3 |
$25,000 |
1.15% |
1.16% |
| 6 |
$25,000 |
1.39% |
1.40% |
| 12 |
$25,000 |
1.64% |
1.65% |
| 24 |
$25,000 |
2.38% |
2.41% |
| Other Rates |
| Type of Account |
Annual % Rate |
Annual % Yield |
| IRA |
2.00% |
2.02% |
| Share Savings (eff. 4/1/09) |
.75% |
.75% |
| Christmas / Vacation Clubs |
0.50% |
0.50% |
Rates are subject to change without notice. There may be a penalty for early withdrawal. Member accounts are insured to $250,000 by the National Credit Union Share Insurance Fund.
Loan Rates
| Vehicle Loan Rates |
| Model Year |
Loan To Value |
Term (mos.) |
Annual % Rate as low as |
Minimum Payment Per $100 |
| New 2010-2009 |
(LTV <100%) |
up to 60 |
5.25% |
$1.90 |
| New 2010-2009 |
(LTV <100%) |
up to 72 |
5.75% |
$1.65 |
| New 2010-2009 |
(LTV >101-110%) |
up to 60 |
5.75% |
$1.92 |
| New 2010-2009 |
(LTV >101-110%) |
up to 72 |
6.25% |
$1.67 |
| Used 2009-2008 |
(LTV <100%) |
up to 60 |
5.75% |
$1.92 |
| Used 2009-2008 |
(LTV >101-110%) |
up to 60 |
6.50% |
$1.96 |
| Used 2007-2005 |
(LTV <100%) |
up to 48 |
6.00 |
$2.35 |
| Used 2007-2005 |
(LTV >101-110%) |
up to 48 |
6.75% |
$2.38 |
| Used 2004-2000 |
NA |
36 |
9.75% |
$3.22 |
| Used 2004-2000 |
NA |
48 |
10.50% |
$2.56 |
| Boats/Watercraft |
2010-2009 |
60 |
6.50% |
$1.96 |
| Boats/Watercraft |
2008-2005 |
48 |
7.00% |
$2.39 |
| Boats/Watercraft |
2004-2000 |
36 |
7.50% |
$3.11 |
| Motorcycles |
2010-2009 |
60 |
6.25% |
$1.95 |
| Motorcycles |
2008-2005 |
48 |
6.75% |
$2.38 |
| Motorcycles |
2004-2000 |
36 |
7.25% |
$3.10 |
| Consumer Loan Rates |
| Type of Loan |
Description |
Term (mos.) |
Annual % Rate as low as |
Minimum Payment Per $100 |
| CD Secured |
Loan is 100% secured with cd |
NA |
1% over cd rate 3% minimum |
$2.91 |
| Share Secure |
100% share secured |
36 |
3.0% |
$2.91 |
| Personal |
NA |
36 |
9.50% |
$3.20 |
| Special Purpose |
NA |
24 |
11.00% |
$4.66 |
| Emergency |
NA |
36 |
18.00% |
$3.62 |
| Home Loan Rates |
| Type of Loan |
Term (mos.) |
Annual % Rate as low as |
Minimum Payment Per $1000 |
| Mortgages (No Points) |
up to 20 years |
1.00% below Prime Rate Minimum 5.00% |
$6.60 |
| Home Equity (No Points) |
up to 10 years |
Prime Rate Minimum 7.00% |
$12.95 |
| New Mobile Homes |
up to 15 years |
2.00% above Prime Rate Minimum 8.00% |
$10.73 |
| Used Mobile Homes |
5 years |
3.00% above Prime Rate Minimum 8.00% |
$11.03 |
| Used Mobile Homes |
10 years |
4.00% above Prime Rate Minimum 8.00% |
$11.03 |
100% Financing includes sticker price plus taxes, title, license plus the cost of gap insurance & extended warranties.
Longer terms on boats are available with CEO approval.
Longer terms and rates can be considered on an individual basis.
Rates and terms subject to change. Pre-approval rate is guaranteed for 60 days.
* These rates are the lowest rates available. Your actual rate will reflect your individual circumstances and may be higher than the above rates. To find out your loan rate, please contact our Loan Department.
