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Rates PDF Print

Auto Loans
Visa Credit Cards
Personal Loans
Recreational Vehicles, Boats, Motorcycles
Share Certificates
Savings, Money Market, and Other Share Accounts

Auto Loans


A++
720+ Score
A+
700-719 Score
A
670-699 Score
B
640-699 Score
C
600-639 Score
D
0-599 Score
2010 - 2015, up to 36 months
1.49%
2.49%
2.99%
4.24%
5.24%
7.24%
2010 - 2015, 37 - 48 months
1.74%
2.49%
3.24%
4.99%
5.49%
8.49%
2010 - 2015, 49 - 60 months
1.99%
2.99%
3.74%
5.49%
6.99%
10.49%
2010 - 2015, 61 - 72 months*
2.24%
3.24%
4.24%
5.99%
7.49%
12.74%
2014 - 2015, 73 - 84 months**
3.74%
5.24%
5.74%
6.99%
7.99%
14.24%
2009 and older; up to 60 months
5.49%
5.74%
5.99%
7.99%
8.99%
15.24%

Rates as of Jan. 20, 2015

APR = Annual Percentage Rate; APY = Annual Percentage Yield; APR shown is lowest available (with AutoPay); Rates are subject to change without notice; Rates given are based on individual creditworthiness criteria; Rates apply to new loans originated through the Credit Union only; % Financing = NADA retail value plus tax, tag, title and GAP.

*Premium pre-owned & internal refinanced models (15K + loan amount or MSRP/NADA retail value

**25K + loan amount


Visa Credit Cards

Credit Disclosure
Platinum
Gold
Classic
Traditional
Annual percentage rate for purchases
8.90%
10.90%
13.95%
15.95%
Annual percentage rate for cash advances
8.90%
10.90%
13.95%
15.95%
Grace period for repayment of balances for purchases before being charged a finance charge
25 days
25 days
25 days
25 days
Method for computing the
balance for purchases
Average Daily Balance
(including new transactions)
Average Daily Balance
(including new transactions)
Average Daily Balance
(including new transactions)
Average Daily Balance
(including new transactions)
Annual membership fee
None
None
None
None
Minimum finance charge
$1.00
$1.00
$1.00
$1.00
Transaction fee for purchases
None
None
None
None


Miscellaneous Personal Loans

A Credit
720+ Score
B Credit
680-719 Score
C Credit
640-679 Score
D Credit
600-639 Score
E Credit
0-599 Score
Line of Credit Adjustable
8.90%
9.90%
10.90%
15.90%
18.00%
Personal Loans (Closed End)
10.50%
10.90%
13.90%
15.90%
18.00%
Share Fully Secured
2.15%
2.15%
2.15%
2.15%
2.15%


Recreational Vehicles, Boats, Motorcycles, Etc.

Term & Type
A Credit
720+ Score
B Credit
680 - 719 Score
C Credit
640 - 679 Score
New - Recreationals (60 Months)
5.50%
6.50%
8.50%
New - Recreationals (84 Months)
6.50%
7.50%
9.50%
New - Recreationals (120 Months)
7.25%
8.25%
10.25%
Used - Recreationals (60 Months)
6.50%
7.50%
9.50%
Used - Recreationals (84 Months)
7.50%
8.50%
10.50%
Used - Recreationals (120 Months)
8.50%
10.25%
12.25%


Share Certificates

Term
Annual Percentage Yield
Minimum Opening Deposit
Dividends Paid
3 month
0.20%
$500.00
Monthly
6 month
0.30%
$500.00
Monthly
12 month
0.55%
$500.00
Monthly
18 month
0.55%
$500.00
Monthly
24 month
0.70%
$500.00
Monthly
30 month
0.70%
$500.00
Monthly
36 month
0.90%
$500.00
Monthly
48 month
1.10%
$500.00
Monthly
60 month
1.40%
$500.00
Monthly



Savings, Money Market, and Other Share Accounts

Account Type
Annual Percentage Yield
Minimum Opening Deposit
Dividends Paid
Savings ($200-$1999)
0.05%
$5.00*
Monthly
Savings ($2000 +)
0.05%
$2,000.00
Monthly
Money Market ($5,000-$24,999)
0.25%
$5,000.00
Monthly
Money Market ($25,000-$49,999)
0.30%
$25,000.00
Monthly
Money Market ($50,000 +)
0.40%
$50,000.00
Monthly
Kids Club**
0.05%
$5.00
Monthly
Christmas Club
0.10%
$5.00
Monthly
IRA, Roth, Educational
0.05%
$5.00
Monthly
Health Savings Accounts (HSA)
0.30%
$5.00
Monthly
Premier Checking
0.30%
DAB*** $500.00
Monthly

All loan rates are expressed as an Annual Percentage Rate (APR)

The annual percentage yield assumes dividends are compounded and credited to the account quarterly. A withdrawal will forfeit dividends for that period.

*Interest paid on balances of $200.00 and up.

**Available exclusively to members age 17 and younger.

***Daily Average Balance

Rates are subject to change.

Federally insured by NCUA