Loan Rates
Annual Percentage Rates vary based on length of time financed and Beacon Score®
| Loan Type | Loan Rate – As Low As* |
|---|---|
| Personal Line of Credit (Revolving) | 9.00% |
| Overdraft Protection Line of Credit (Revolving) | 11.00% |
| Co-Maker Loan (Closed End – $5,000.00 Maximum) Co-Maker Loan Disclosure |
9.00% |
| Vacation Loans (1 per Household per Cal. Year) Vacation Loan Disclosure |
9.00% |
| Christmas Loans (Seasonal – Oct. 1 through Dec. 31) Christmas Loan Disclosure |
9.00% |
| New and Used Autos/Trucks/Motorcycles Autos/Trucks/Motorcycles Disclosure |
3.25% |
| New and Used Boats/Motors/Trailers Boats/Motors/Trailers Disclosure |
4.00% |
| New Furniture / Appliances / Garden Equipment /Golf Carts or Miscellaneous Collateral Furniture / Appliances / Garden Equipment /Golf Carts Disclosure |
8.24% |
| New and Used Recreational Vehicles RV Disclosure |
6.25% |
| New All Terrain Vehicles (ATV’s) New ATV Disclosure |
6.00% |
| Used All Terrain Vehicles (ATV’s) Used ATV Disclosure |
6.74% |
| New and Used Farm Equipment Farm Equipment Disclosure |
7.74% |
| Share and Certificate Secured(Contact Credit Union for Rates) | N/A |
| Visa Platinum Credit Cards (Contact us for Details!) | |
*APR = Annual Percentage Rate
Share Rates
| Account Type | Minimum Balance | Dividend Rate | APY* | Term |
|---|---|---|---|---|
| Prime Share Account ($0.01 to $5,000.00 Quarterly Minimum Balance) | 25.00 | 0.25 | 0.25 | 3 |
| Prime Share Account ($5,000.00 and above Quarterly Minimum Balance) | 25.00 | 0.60 | 0.60 | 3 |
| Share Draft Account (Checking) | 0 | 0.05 | 0.05 | 3 |
| Coverdell ESA IRA Share Account | 0 | 0.75 | 0.75 | 3 |
| Roth IRA Share Account | 0 | 0.75 | 0.75 | 3 |
| Traditional IRA Share Account | 0 | 0.75 | 0.75 | 3 |
The Board of Directors has declared these dividend rates effective January 1, 2023 through March 31, 2023.
*APY = Annual Percentage Yield | Fees could reduce earnings on accounts.
These rates may change from time to time as determined by the credit union’s Board of Directors.
Share Certificate Rates
A penalty does exist for early withdrawal on all share certificates.
| Certificates | Minimum Deposit | Dividend Rate | APY* | Term |
|---|---|---|---|---|
| 3 Month Share Certificate | $1,000.00 | 0.50 | 0.50 | 3 Months |
| 6 Month Share Certificate | $1,000.00 | 1.60 | 1.61 | 6 Months |
| 1 Year Share Certificate | $500.00 | 2.72 | 2.75 | 12 Months |
| 2.5 Year Share Certificate | $100.00 | 2.97 | 3.00 | 30 Months |
*APY = Annual Percentage Yield
Early withdrawal may result in substantial penalties.
Calculators
For your convenience, we provide several on-line calculators to assist you in your financial planning.
Savings Calculators
- Single Deposit Savings Calculator (new window/tab)
- Multiple Deposit Savings Calculator (new window/tab)
Loan Calculators
- Loan Payment Calculator (new window/tab)
- Vehicle Loan – Low APR vs. Rebate Calculator (new window/tab)
- Personal Loan (new window/tab)
Mortgage Calculators
- Transition to a Bi-Weekly Mortgage Calculation (new window/tab)
- Mortgage Refinance (new window/tab)
- Mortgage 1 (new window/tab)
- Mortgage 2 (new window/tab)
- Convertible Balloon Mortgage Calculator (new window/tab)
- Biweekly Mortgage Calculation (new window/tab)
- Mortgage Payment Table Calculator (new window/tab)
- How much house can you afford? (new window/tab)
- Prepayment Mortgage Reduction (new window/tab)
- Mortgage Qualification Calculator (new window/tab)
