Rates

Loan Rates

New, 1 and 2 Year Old Vehicles
Effective Date: Current as of 6/15/17
100% Financing available for those who qualify on New Vehicles/Recreational Vehicles. A minimum down payment of 10% of the purchase price (delivered) may be required on any New Vehicle/Recreational Vehicle. Down payment may be considered as cash and/or trade in, and/or shares as security.
TermRates Start At
1-48 Months 2.75%
49-60 Months 3.00%
61-72 Months 3.25%

84 Months (New Vehicle, at least $25,000)

4.25%

48 monthly payments of $22.02 per $1000 borrowed at 2.50% APR.
APR is Annual Percentage Rate.

Used Vehicles 3 Years and Older
Includes Automobiles, Vans, Trucks, or Motorcycles purchased or refinanced from another financial institution. 100% Financing of the NADA retail price, or appraised value available for those who qualify on all Used Vehicles/Recreational Vehicles. A minimum down payment of 10% of the NADA retail price or appraised value may be required on any Used Vehicle/Recreational Vehicle. Down payment may be considered as cash and/or trade in, and/or shares as security.
NameTermRates Start At
3-5 Years Old    
  48 Months 3.50%
  60 Months 3.75%
  72 Months ($15,000 Min) 4.25%
6-8 Years Old    
  36 Months 4.00%
  42 Months 4.25%
  48 Months ($10,000 Min) 4.75%
9 Years & Older    
  36 Months 6.75%
  48 Months ($10,000 Min) 7.25%
Classic Cars    
  36 Months 6.75%

Recreational Vehicles (Large)
Motor Homes, Boats, Travel Trailers, Campers, Farm Equipment.
NameTermRates Start AtAmount Financed

New and 1 Year Old

  Up to 60 Months 5.25% $0-10,000
  61 to 84 Months 6.00% $10,001 - 20,000
  85 to 120 Months 6.50% $20,001 - 30,000
  121 to 144 Months 7.00% $30,000+

Used 2+ Years Old

  Up to 60 Months 5.35% $0-10,000
  61 to 84 Months 6.10% $10,001 - 20,000
  85 to 120 Months 6.60% $20,001 - 30,000
  121 to 144 Months 7.10% $30,000+

Recreational Vehicles (Small)
ATV's, Snowmobiles, Jet Ski's, Dirt Bikes, Lawnmowers.
NameTermRates Start AtAmount Financed

New and 1 Year Old

  Up to 36 Months 6.50% $0-10,000
  37 to 48 Months 6.75% $0-10,000
  49 to 60 Months 7.00% $10,001+

Used 2+ Years Old

  Up to 36 Months 7.25% $0-10,000
  37 to 48 Months 7.50% $0-10,000
  49 to 60 Months 7.75% $10,001+

36 monthly payments of $30.65 per $1000 borrowed at 6.50% APR.

Signature Loans
Loans on signature alone, for any reasonable purpose. No security required.
TermRates Start At
36 Months 10.75%
48 Months 11.75%
60 Months 12.75%

No longer than 60 Months. Members who qualify may borrow up to $5,000.

36 monthly payments of $32.63 per $1000 borrowed at 10.75% APR.

Fixed Rate Home Equity Loans
Low, competitive rate of interest. Can be used for any reason. Interest may be tax deductible. Fixed rate of interest.
TermRate
60-120 Months 5.50%
121-180 Months 5.50%

LTV: 80% of SEV or Appraised Value (less amount owed) up to $50,000. 80% of SEV or Appraised Value $50,001 - $75,000.

No application fee. No annual fee.

Share Secured Loans
100% share secured loans may be obtained up to 20 years with a four year balloon clause at 3.00% above current share rate.
TermSharesRate
1 - 72 Months 50% 4.50% above current share rate
1 - 72 Months 75% 3.50% above current share rate
1 - 72 Months 100% 2.50% above current share rate

Mortgage Loans
First Lien, Member-occupied, Single Family.
TermRate
Up to 10 Years 4.75%
10 Years, 1 Day - 15 Years 4.75%
15 Years, 1 Day - 20 Years 4.75%
20 Years, 1 Day - 30 Years 5.35%
120 monthly payments of $10.49 per $1000 borrowed at 4.75% APR.

Savings Rates

Share Accounts
Effective Date: Current as of 6/15/17
Share AccountAPR*APY*Compounded
Regular Share* 0.10% 0.10% Quarterly
Christmas Club* 0.10% 0.10% Quarterly
Vacation Club* 0.10% 0.10% Quarterly
IRA* 0.20% 0.20% Monthly
Roth IRA* 0.20% 0.20% Monthly

88 & 89 Deposit Account
($500 - $9,999)
Tier 1
Min. Bal. of $500 to earn dividends

0.20% 0.20% Monthly

88 & 89 Deposit Account
($10,000 - $49,999)
Tier 2
Min. Bal. of $10,000 to earn dividends

0.30% 0.30% Monthly

88 & 89 Deposit Account
($50,000+)
Tier 3
Min. Bal. of $50,000 to earn dividends

0.40% 0.40% Monthly

*APR is Annual Percentage Rate. *APY is Annual Percentage Yield
*You must have a minimum balance of $100 to earn dividends on these accounts.

Certificates of Deposit
Effective Date: Current as of 6/15/17
Minimum BalanceTermAPR*APY*
$1,000.00      
  6 Months 0.30% 0.30%
  12 Months 0.50% 0.50%
  24 Months 0.70% 0.70%
  36 Months 0.90% 0.90%
  48 Months 1.10% 1.10%
$25,000.00      
  6 Months 0.40% 0.40%
  12 Months 0.60% 0.60%
  24 Months 0.80% 0.80%
  36 Months 1.00% 1.00%
  48 Months 1.19% 1.20%

*APR is Annual Percentage Rate. APY is Annual Percentage Yield.