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Rates
Your rate may vary due to credit score, term, collateral details, and other factors, with approved credit. All loan rates are Annual Percentage Rate (APR) and deposit rates are Annual Percentage Yield (APY).
Consumer Loans
| Signature or Personal |
| Effective Date: Sunday, May 5th, 2024 |
| Credit limit varies according to each member's credit history. |
| Term | Base Rate (APR) |
| 0-12 month |
7.50% |
| 13-24 month |
8.50% |
| 25-48 month |
9.50% |
| 49-60 month |
10.50% |
| Line of Credit |
| Effective Date: Sunday, May 5th, 2024 |
| Unsecured or Secured by auto |
| Base Rate (APR) | Limit | Payment | Notes |
| 6.50% |
Varies by FICO score |
Payment varies according to balance. |
Variable Rate |
| Overdraft Protection |
| Effective Date: Sunday, May 5th, 2024 |
| Base Rate (APR) | Limit | Payment | Notes |
| 13.20% |
Varies by FICO score |
Payment varies according to balance. |
Variable Rate |
| Vehicle Loans |
| Effective Date: Sunday, May 5th, 2024 |
| Type | Base Rate (APR) | Rate | Term | LTV |
Models 2011-new |
Varies by FICO score |
2.25% |
60 months (longer terms available) |
Up to 129% |
| The above vehicle rates reflect 60 months, autopay and other discounts, with approved credit. Longer terms available up to 84 months. |
| Recreational Vehicles |
| Effective Date: Sunday, May 5th, 2024 |
| Includes: Motor Homes, Travel Trailers, Camping Trailers, ATVs and Boats. |
| Term | Base Rate (APR) | Collateral | LTV |
| up to 120 months |
3.65% |
New or Used RV |
up to 110% of NADA value |
| up to 120 months |
8.99% |
New or Used Boats |
Varies |
| up to 60 months |
7.75% |
Off road |
Varies |
| Street Motorcycles |
| Effective Date: Sunday, May 5th, 2024 |
| New and Used |
| Rate (APR) | Term | LTV |
| 5.65% |
up to 60 Months |
Varies |
| Base Rate adjusted by credit score, other factors. |
| Share Secured |
| Effective Date: Sunday, May 5th, 2024 |
| Term | Rate (APR) |
| 84 months |
Call Min. rate 2.25% - or 2.75% above CD rate |
| VISA Credit Cards |
| Effective Date: Sunday, May 5th, 2024 |
| Name | Base Rate (APR) | Notes | Fee |
| VISA Classic |
as low as 9.90% |
Rate varies according to credit score |
No Annual Fee |
Real Estate Loans
| Home Equity Loans |
| Effective Date: Sunday, May 5th, 2024 |
| Rates adjusted by credit score |
| Term | Base Rate (APR) |
| Home Equity Line of Credit 10+10 years |
4.25% |
Deposit Rates
| Shares (Regular) |
| Effective Date: Sunday, May 5th, 2024 |
| Balance | Period | Rate | APY* |
| $50.00-$749 |
Monthly |
|
0.05% |
| $750.00-$29,999.99 |
Monthly |
|
0.07% |
| over $30,000 |
Monthly |
|
0.07% |
| Share Drafts |
| Effective Date: Sunday, May 5th, 2024 |
| Balance | Period | Rate | APY* |
| $0-$500 |
Monthly |
|
0.00% |
| $500.00-$2,499 |
Monthly |
|
0.03% |
| $2,500-$4,999 |
Monthly |
|
0.05% |
| over $5,000 |
Monthly |
|
0.07% |
| Money Market |
| Effective Date: Sunday, May 5th, 2024 |
| Regular and IRA |
| Balance | Period | Rate | APY* |
| $0-$2,500 |
Monthly |
|
0.00% |
| $2,500.00-$9,999 |
Monthly |
|
0.10% |
| $10,000-$24,999 |
Monthly |
|
0.15% |
| $25,000-$49,999 |
Monthly |
|
0.20% |
| $50,000-$100,000 |
Monthly |
|
0.25% |
| over $100,000 |
Monthly |
|
0.25% |
| Certificates |
| Effective Date: Sunday, May 5th, 2024 |
| Regular and IRA |
| Balance | Period | Rate | APY* |
| $500.00 |
6 months |
|
0.33% |
| $500.00 |
12 months |
|
0.67% |
| $500.00 |
18 months |
|
0.74% |
| $500.00 |
24 months |
|
0.94% |
| $500.00 |
36 months |
|
1.13% |
| $500.00 |
48 months |
|
1.40% |
| $500.00 |
60 months |
|
1.64% |
| Bump-Up feature available. |
| Special CDs |
| Effective Date: Sunday, May 5th, 2024 |
| Regular and IRA |
| Balance | Period | Rate | APY* |
| $50,000.00 |
12 months |
|
0.67% |
| $50,000.00 |
24 months |
|
0.94% |
| $50,000.00 |
60 months |
|
1.66% |
| Bump-Up feature available. |
APR = Annual Percentage Rate
APY = Annual Percentage Yield
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