|
 |
| Rates are subject to change |
| Savings |
Dividend Rate |
APY* |
Min balance needed to earn APY |
| Regular & Holiday Savings |
.10% |
.10% |
$100 |
| Young Savers and Senior Plus |
.10% |
.10% |
$25 |
| Traditional & Educational IRA Savings |
.10% |
.10% |
$100 |
| Money Market Checking Tier 1 |
0.10% |
0.10% |
$0 |
| Money Market Checking Tier 2 |
0.25% |
0.26% |
$10,000.00 |
| Money Market Checking Tier 3 |
0.50% |
0.51% |
$99,999.00+ |
| Student Checking |
0.10% |
0.10% |
$750 |
| Essential Checking |
0.10% |
0.10% |
$2000 |
| Platinum Checking for our members 55 and over |
0.10% |
0.10%
|
$2000 |
| Prestige Checking |
0.10% |
0.10% |
$2000 |
| Basic Checking |
n/a
|
n/a |
$0 |
| 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
|
0.30%
0.31%
|
0.40%
0.41%
|
0.40%
0.41%
|
0.50%
0.51%
|
0.50%
0.51%
|
2.00%
2.01%
|
2.00%
2.01%
|
|
$5,000- $24,999
|
Rate
APY
|
0.40%
0.41%
|
0.50%
0.51%
|
0.50%
0.51%
|
1.00%
1.01%
|
1.00%
1.01%
|
2.10%
2.12%
|
2.10%
2.12%
|
|
$25,000 - $99,999
|
Rate
APY
|
0.50%
0.51%
|
1.00%
1.01%
|
1.00%
1.01%
|
1.10%
1.11%
|
1.10%
1.11%
|
2.20%
2.22%
|
2.20%
2.22%
|
|
$100,000 and up
|
Rate
APY
|
1.00%
1.01%
|
1.10%
1.11%
|
1.10%
1.11%
|
1.15%
1.16%
|
1.15%
1.16%
|
2.30%
2.32%
|
2.30%
2.32%
|
|
*APY = Annual Percentage Yield. Annual Percentage Yield is accurate as of 07/01/09. 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 $250,000. National Credit Union Association a U.S. Government Agency.
Back to Top
|
| 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
|
0.40%
0.41%
|
0.50%
0.51%
|
0.50%
0.51%
|
2.00%
2.01%
|
2.00%
2.01%
|
|
$4,999 - $24,999
|
Rate
APY
|
0.50%
0.51%
|
1.00%
1.02%
|
1.00%
1.01%
|
2.10%
2.12%
|
2.10%
2.12%
|
|
$25,000 - $99,999
|
Rate
APY
|
1.00%
1.01%
|
1.10%
1.11%
|
1.10%
1.11%
|
2.20%
2.22%
|
2.20%
2.22%
|
|
$100,000 and up
|
Rate
APY
|
1.10%
1.11%
|
1.15%
1.16%
|
1.10%
1.11%
|
2.30%
2.32%
|
2.30%
2.32%
|
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
|
|
|
|
|
|
< 3mnths or < 3,000 mls
|
730
|
729-680
|
679-640
|
639-600
|
|
All Secured - 36 mos.
|
5.00%
|
5.25%
|
5.75%
|
6.50%
|
|
All Secured - 48 mos.
|
5.00%
|
5.25%
|
5.75%
|
6.50%
|
|
All Secured - 60 mos.
|
5.00%
|
5.25%
|
5.75%
|
6.50%
|
|
All Secured - 72 mos.
|
5.50%
|
5.75%
|
6.25%
|
7.00%
|
|
All Secured - 84 mos.
|
5.50%
|
5.75%
|
6.25%
|
7.00%
|
|
|
|
|
|
|
|
USED AUTO ( 5yrs & Newer)
|
730+
|
729-680
|
679-640
|
639-600
|
|
All Secured - 36mos
|
5.00%
|
6.49%
|
5.75%
|
6.50%
|
|
All Secured - 48mos
|
5.00%
|
6.75%
|
5.75%
|
6.50%
|
|
All Secured - 60mos
|
5.00%
|
7.25%
|
5.75%
|
6.50%
|
|
All Secured - 72 mos*
|
5.50%
|
5.75%
|
6.25%
|
7.00%
|
|
All Secured - 84 mos*
|
5.50%
|
5.75%
|
6.25%
|
7.00%
|
|
* 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
|
15.25%
|
15.50%
|
16.75%
|
17.99%
|
|
*60 mths 700+ & 25,000
|
17.99%
|
Max at 35,000 blended products
|
|
|
|
|
|
|
|
|
|
Share Secured
|
4.25%
|
plus share rate
|
|
|
|
Certificate Secured
|
4.25%
|
plus certificate rate
|
|
|
|
|
|
|
|
|
|
Visa
|
730+
|
729-680
|
679-640
|
639-600
|
Annual Fee
|
|
Visa – Gold
|
9.99%
|
10.25%
|
10.50%
|
N/A
|
15.00
|
|
Visa – Classic
|
12.95%
|
13.20%
|
13.45%
|
14.75%
|
15.00
|
|
Premium Secured Visa
|
10.25%
|
10.25%
|
10.25%
|
10.25%
|
None
|
|
Credit Builder Secured Visa
|
15.25%
|
15.25%
|
15.25%
|
15.25%
|
15.00
|
|
Student Visa
|
9.99%
|
9.99%
|
9.99%
|
|
None
|
|
Visa Maximum of $5,000 C paper and $15,000 A&B paper; 25,000 requires Board approval
|
|
Annual fees apply to C & D paper only.
|
Standard 25 day billing cycle and balance is computed on average daily balance; cash advances are 2% or $5;
whichever is greater, $15 late fee; $20 over limit fee.
All loan applications are subject to credit approval, preapproved applications are valid for 60 days only.
All rates are subject to change without prior notice.
|
