Rates











 

 

 

LENGTH OF TERM MAY EFFECT RATE
*APR = Annual Percentage Rate
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Rates are subject to change

 

Savings Dividend Rate APY* Min balance needed to earn APY
Regular & Holiday Savings .30% .30% $100
Young Savers and Senior Plus .30% .30% $25
Traditional & Educational IRA Savings .30% .30% $100
Money Market Checking Tier 1 0.60% 0.60% $0
Money Market Checking Tier 2 1.15% 1.16% $10,000.00
Money Market Checking Tier 3 1.25% 1.26% $99,999.00+
Student Checking 0.20% 0.20% $750
Essential Checking 0.20% 0.20% $2000
Platinum Checking for our members 55 and over 0.20%

0.20%

 $2000
Prestige Checking 0.20% 0.20% $2000
Basic Checking

 0.00

 0.00 $0

 

*APY = Annual Percentage Yield
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Rates are subject to change without prior notice.

 

REGULAR CERTIFICATE OF DEPOSITS

Certificate accounts will have a fixed rate for the term of the certificate.

APY= Annual Percentage Yield. Penalties could reduce earnings on accounts.

Min Deposit

Rate / APY

3 Mo Cert

6 MO Cert

1 YR Cert

18 Mo Cert

2 YR Cert

3 YR Cert

4 YR Cert

$1,000 -$4,999

Rate

APY

1.75%

1.76%

2.15%

2.17%

2.25%

2.27%

2.25%

2.27%

2.50%

2.53%

2.50%

2.53%

2.70%

2.73%

$5,000- $24,999

Rate

APY

1.85%

1.87%

2.25%

2.27%

2.35%

2.38%

2.35%

2.38%

2.60%

2.63%

2.60%

2.63%

2.90%

2.94%

$25,000 - $99,999

Rate

APY

1.95%

1.97%

2.35%

2.38%

2.45%

2.48%

2.45%

2.48%

2.70%

2.73%

2.70%

2.73%

3.00%

3.04%

$100,000 and up

Rate

APY

2.05%

2.07%

2.45%

2.48%

2.55%

2.58%

2.55%

2.58%

2.80%

2.84%

2.80%

2.84%

3.10%

3.14%

 

 

 

*APY = Annual Percentage Yield. Annual Percentage Yield is accurate as of 04/01/07. A minimum balance of $1,000.00 for regular certificates of deposit is required to earn the stated APY. A minimum balance of $1,000.00 for IRA certificates of deposit is required to earn the stated APY. A penalty may be imposed for early withdrawal.

All certificates (Regular, Tradional IRA & ROTH IRA): Dividends will be compounded only if they remain on deposit in the certificate. Penalty imposed for early withdrawal. Loss of 90 days dividends for certificates of less than one year, and loss of 180 days dividends for certificates over one year. Your Savings Federally Insured to $100,000.  National Credit Union Association a U.S. Government Agency.

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TRADITIONAL IRA CERTIFICATES / ROTH IRA*           ROTH IRA CERT AVAILABLE TERM*

Min Deposit

Rate/ APY

1 YR CERT*

18 MO CERT*

2 YR CERT

3 YR CERT

4 YR CERT

$1,000 -$4,999

Rate

APY

2.25%

2.27%

2.25%

2.27%

2.50%

2.53%

2.50%

2.53%

2.70%

2.73%

$4,999 - $24,999

Rate

APY

2.35%

2.38%

2.35%

2.38%

2.60%

2.63%

2.60%

2.63%

2.90%

2.94%

$25,000 - $99,999

Rate

APY

2.45%

2.48%

2.45%

2.48%

2.70%

2.73%

2.70%

2.73%

3.00%

3.04%

$100,000 and up

Rate

APY

2.55%

2.58%

2.55%

2.58%

2.80%

2.84%

2.80%

2.84%

3.10%

3.14%

 

Loans | Savings | Certificates

 

Rates are subject to change.

 

 

Loan Type & Term

Platinum

A

B

C

SECURED LOANS

Score Range

Score Range

Score Range

Score Range

NEW AUTO

730+

729-680

679-640

639-600

< 3mnths or < 3,000 mls

Base

0.50%

1.00%

1.50%

All Secured - 36 mos.

5.50%

6.00%

7.00%

8.50%

All Secured - 48 mos.

5.75%

6.25%

7.25%

8.75%

All Secured - 60 mos.

6.25%

6.75%

7.75%

9.25%

All Secured - 72 mos.

6.75%

7.25%

8.25%

9.75%

All Secured - 84 mos.

7.75%

8.25%

9.25%

10.75%

 

 

 

 

 

USED AUTO ( 5yrs & Newer)

730+

729-680

679-640

639-600

All Secured - 36 mos.

5.99%

6.49%

7.49%

8.99%

All Secured - 48 mos.

6.25%

6.75%

7.75%

9.25%

All Secured - 60 mos.

6.75%

7.25%

8.25%

9.75%

All Secured - 72 mos.*

7.25%

7.75%

8.75%

10.25%

All Secured - 84 mos.*

8.25%

8.75%

9.75%

11.25%

* Over 28,000

 

 

 

 

NEW & USED RVs & BOAT

730+

729-680

679-640

639-600

All Secured - 60 mos.

7.25%

7.75%

8.75%

10.00%

All Secured - 72 mos.

7.50%

8.00%

9.25%

10.25%

All Secured - 84 mos.

8.25%

8.75%

9.75%

11.00%

All Secured - 120 mos.

9.25%

9.75%

10.75.%

15.00%

 

 

 

 

 

UNSECURED LOANS

730+

729-680

679-640

639-600

Line of Credit (Variable)

12.25%

12.25%

12.25%

12.25%

11th District COFI + 8.25

Max

Max

Max

Max

 

25,000

25,000

25,000

5,000

SIGNATURE (Fixed)

730+

729-680

679-640

639-600

12 months

10.25%

10.75%

11.75%

12.25%

24 months

11.25%

11.75%

12.75%

13.50%

36 months

13.25%

13.50%

14.75%

15.00%

48 months