LOANS & SAvings 

AUTO LOANS

TERM	INTEREST RATE
24 months	1.99% to 17.75% APR*
36 months	1.99% to 17.75%  APR*
48 months	3.00% to 17.75% APR*
60 months	3.00% to 17.75% APR*
72 months (min $15,000)	3.00% to 17.75% APR*
84 months (min $25,000)	4.00% to 4.50% APR*
Recreational Vehicle	5.25% to 16.50% APR*

*Amount financed percentages shown above, plus tax, title, license, GAP, and extended warranty is available to all qualified borrowers and is based on MSRP of new autos or NADA retail value for used autos model 2021, 2020 and 2019. For model years prior to 2019, call the credit union for latest rates. 

SHARE ACCOUNT dividends

Balance to earn	DIVIDEND RATE
$100 - $499.99	0.10/0.10% APY*
$500.00+	0.20/0.20% APY*

*Same rates apply for Secondary Share Account Dividends.

Term Share Accounts

PERIOD	DIVIDEND RATE
12 months	2.25/2.269% APY*
24 months	2.50/2.524% APY*
36 months	2.75/2.778% APY*

$1,000 minimum. Term Share rate loan is 3.0% above current Term Share rate. Early withdraw penalties may apply for Term Share Accounts.

Term Share Accounts II

PERIOD	DIVIDEND RATE
12 months	2.75/2.778% APY*
24 months	3.00/3.034% APY*
36 months	3.25/3.290% APY*

$50,000 minimum. Term Share rate loan is 3.0% above current Term Share rate. Early withdraw penalties may apply for Term Share Accounts.

JUMBO Term Share Accounts

PERIOD	DIVIDEND RATE
12 months	3.00/3.034% APY*
24 months	3.25/3.290% APY*
36 months	3.50/3.546% APY*

$150,000 minimum. Term Share rate loan is 3.0% above current Term Share rate. Early withdraw penalties may apply for Term Share Accounts.

Signature loans

Loan Type	INTEREST RATE
Signature Loan	9.25% to 17.75% APR*
Share Secured Loan	4.0% APR*
Line of Credit ($300-$5,000)	14% to 17.5% APR*
Credit Builder	10.0% APR*

*Up to $5,000 for 24 months; over $5,000-$10,000 for 36 months; over $10,000-$20,000 for 60 months. 

Visa credit card

Visa Card Type	INTEREST RATE
Gold	7.90% APR*
Secured Visa	12.0% APR*

Other accounts

PERIOD	INTEREST RATE
Money Market ($1,000 minimum)	0.35/0.35%  APY*
Christmas Club	0.25%  APY*
Reward Checking (65+, no fees, >$500)	0.0% APY*
Reward Plus Checking (65+, no fees, >$2,000)	0.0% APY*

*Reward Checking and Reward Plus Checking will receive one free box of checks per year.