Rates

The annual percentage yield is accurate as of the last dividend declaration date. Rates are subject to change at any time. Please Contact Us to verify current rates.

Rates are subject to change at any time. Please Contact Us to verify current rates.

Checking

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
Share Draft/Checking
Dividend Rate
0.00%
APY*
0.00%
Minimum Balance to Open
None
Money Market
Dividend Rate
0.00%
APY*
0.00%
Minimum Balance to Open
<$2,500
Money Market
Dividend Rate
0.15%
APY*
0.15%
Minimum Balance to Open
$2,500 - $49,999.99
Money Market
Dividend Rate
0.25%
APY*
0.25%
Minimum Balance to Open
$50,000 - $99,999.99
Money Market
Dividend Rate
0.30%
APY*
0.30%
Minimum Balance to Open
$100,000 - $249,999.99
Money Market
Dividend Rate
0.35%
APY*
0.35%
Minimum Balance to Open
$250,000+

Savings

Deposit Type
Dividend Rate
APY*
Minimum Balance
to Open
Basic Savings
Dividend Rate
0.05%
APY*
0.05%
Minimum Balance to Open
$5.00
Club Accounts
Dividend Rate
0.05%
APY*
0.05%
Minimum Balance to Open
None
Coverdell ESA
Dividend Rate
0.15%
APY*
0.15%
Minimum Balance to Open
None
Roth / Traditional IRA Share
Dividend Rate
0.20%
APY*
0.20%
Minimum Balance to Open
None

Certificates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
Share 6 months
APY*
.30%
Minimum Balance to Open
.30%
Minimum Balance to Open
$500
Share 12 months
APY*
.40%
Minimum Balance to Open
.40%
Minimum Balance to Open
$500
Share 24 months
APY*
.45%
Minimum Balance to Open
.45%
Minimum Balance to Open
$500
Share 36 months
APY*
.50%
Minimum Balance to Open
.50%
Minimum Balance to Open
$500
Share 48 months
APY*
.60%
Minimum Balance to Open
.60%
Minimum Balance to Open
$500
Share 60 months
APY*
.65%
Minimum Balance to Open
.65%
Minimum Balance to Open
$500
IRA 12 months
APY*
.40%
Minimum Balance to Open
.40%
Minimum Balance to Open
$500
IRA 24 months
APY*
.45%
Minimum Balance to Open
.45%
Minimum Balance to Open
$500
IRA 36 months
APY*
.50%
Minimum Balance to Open
.50%
Minimum Balance to Open
$500

Vehicle Loans1

Loan Type
APR* as low as
Term (Months)
Auto Loan
Dividend Rate
2.49%
APY*
Up to 84
Recreational Vehicle
Dividend Rate
3.49%
APY*
Up to 240

Personal Loans2

Loan Type
APR* as low as
Term (Months)
Personal Loan
Dividend Rate
7.00%
APY*
Up to 60
Line of Credit
Dividend Rate
12.00%
APY*
N/A
Share & Certificate Secured Loan
Dividend Rate
Current +2%
APY*
N/A
Home Improvement Loan
Dividend Rate
6%
APY*
Up to 120

First Mortgage

Loan Type
Term (Years)
Points
Rates
as Low as
APR*
as Low as
Conventional Mortgage
Term (Years)
30
Points
0.00
Rate
3.125%
APR*
3.165%
Conventional Mortgage
Term (Years)
15
Points
0.00
Rate
2.5%
APR*
2.571%
First-Time Homebuyer
Term (Years)
30
Points
0.00
Rate
3.625%
APR*
3.666%
Get a Personalized Quote

Home Equity

Loan Type
Term (Years)
Rates as Low as
APR*
as Low as
Variable Home Equity Line of Credit
Term (Years)
up to 25
Rate as low as
3.25% (prime rate)
APR*
3.25%
Fixed Home Equity Line of Credit
Term (Years)
up to 15
Rate as low as
4.90%
APR*
4.90%
Fixed Home Equity Loan
Term (Years)
up to 20
Rate as low as
2.99%
APR*
2.99%
Get a Personalized Quote
Rates are subject to change at any time.  Please select the Personalized Rate Quote button for a customized rate.
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Click here to learn about our home improvement loan.

For all loans above, not all borrowers will qualify for the lowest rates. Rates are determined at the time of application and depend on qualifications and credit history.  

1Vehicle Loans: Rates apply to new vehicles only. New vehicles are defined as current year (2020/2021) and prior year (2019) on which you are the original owner. Maximum loan to value of new vehicles is 120%, used (prior year) is 110%, and older is 100% including taxes, title, and warranty.

For auto loans, the minimum amount to qualify for 84 month financing is $30,000.
Estimated monthly payment per $1,000 borrowed: $29.08 for 36 months

For recreational vehicles, the maximum term is 120 months for loans between $25,000 and $50,000. Maximum loan term for loans greater than $50,000 is 240 months.
Estimated monthly payment per $1,000 borrowed: $29.30 for 36 months

Collision and comprehensive insurance is required on all vehicles during the life of the loan.


2Personal: Maximum total unsecured loans (including signature loans) is $50,000. Estimated monthly payment per $1,000 borrowed: $19.80 for 60 months.

Lines of Credit:
Maximum total unsecured loans is $50,000. Sample payment is $24.00 based on a minimum payment of 2.4% per 1,000 financed.

Savings or Credit Secured Loans: Share secured loans are available up to the aggregate balances of primary and family shares (deposits). Shares securing a loan will be placed on hold and will not be accessible during the life of the loan. Dividends will continue to accrue on the held shares. Rates are variable and can change quarterly.

Share certificates may be used as collateral. The term of the loan may not exceed the term of the certificate. Dividends continue to accrue on share certificates held for collateral on loans. Holds on pledges amounts release as the loan balance decreases.

Many terms to choose from. Loans secured by shares in certificates may only be extended for the remaining term of the certificate. Collateral Value: Equal share/certificate balance.

Home Improvement Loan: This is not a real estate secured loan. Maximum term is 10 years and maximum amounts financed is $75,000. Minimum credit score to qualify for this loan is 700. Loan must be used for home improvements, and supporting documents will be required. Sample payment is approximately $83.94 for each $10,000 financed at 6.00% for 15 years.

All Deposit Accounts other than Term Share Certificates:
Fees could reduce the earnings on the account
Rates may change after the account is opened


Basic Savings:
Minimum balance to earn dividends is $5.00

All Other Savings, IRA, and Club Accounts:
Minimum balance to earn stated dividends is $0.00

All Money Market Accounts:
Minimum balance to earn stated dividends is $2,500

All Share Certificates:
Fees may reduce the earnings on the account
Minimum balance required to open the account is $500
Minimum balance required to earn stated dividends is $500
A penalty may be imposed for early withdrawal

CONVENTIONAL MORTGAGES:
Not all borrowers will qualify for the lowest rates.  Your rate will be determined at the time of your application and will be based on qualifications and credit history. Advertised rates/points apply to Loan to Value (LTV) of ≤ 60% and credit scores ≥ 740.  Additional fees may be charged based on loan purpose, property type, and credit history.  All mortgage loans are secured by your real property; property insurance sufficient to cover the balance of the loan is required during the life of the loan.  Cash out refinance limitations apply, contact the Credit Union for specific details.

Maximum LTV for jumbo loans is 90%. All Jumbo loan rates with LTVs exceeding 80% will increase by 25 basis points (0.25%).

LTV maximums includes outstanding balances on home equity loans.

Any first mortgage with an LTV exceeding 80% will be required to maintain Private Mortgage Insurance until the loan balance is less than 80% LTV.


Payment estimates include only principal and interest, and they do not reflect items such as taxes or insurance.
Conventional Mortgage 30 Year Term – Sample payment is $42.84 per $10,000 financed.
Conventional Mortgage 15 Year Term – Sample payment is $66.68 per $10,000 financed.

FIRST TIME HOME BUYER PROGRAM:
Minimum credit score requirement is 700 and maximum LTV is 100%. Maximum loan amount is $548,250. Borrower must pay 1% toward closing costs.  Gift funds are permitted to meet minimum borrower contribution.

Payment estimates include only principal and interest, and they do not reflect items such as taxes or insurance
Sample payment is $45.61 per $10,000 financed.


SECOND/VACATION HOMES:
Rate is increased by .125%.  Maximum LTV is 90%. Property must not be used as an investment/rental property. Points listed above apply to applicants with credit scores greater than 739 and LTV ratios of up to 75% (for purchases) or 60% (for certain cash-out refinances). Members not meeting these requirements may be subject to increased loan points.

HOME EQUITY:
Not all borrowers will qualify for the lowest rates. Your rate will be determined at the time of your application and will be based on qualifications and credit history. All home equity loans are secured by your real property; property insurance sufficient to cover the balance of the loan is required during the life of the loan.

Closing costs to borrowers generally range from $1,000 - $2,000.  The Credit Union will pay up to $1,500 in closing costs. Closing costs paid by the Credit Union must be repaid if the loan is closed within 36 months of origination.


Line of Credits:
Minimum credit line is $10,000 and maximum is $500,000. Advance minimum is $100 per advance.  Maximum rate is 15%. Unless otherwise noted, lines of credit have a 25 year total term, a 10-year draw period followed by a 15 year repayment period.

Fixed Home Equity Line of Credit –
Sample payment is $100 based on a minimum payment of 1% per $10,000 financed.

Variable Home Equity Line of Credit-
Changes to the rate will occur on the first day of the second month of each calendar quarter (Feb 1, May 1, Aug 1, and Nov 1).
Sample payment is $100 based on a minimum payment of 1% per $10,000 financed.


For Fixed Home Equity loan:
Loan term is 15 years in total; a 5-year draw period followed by a 10-year repayment period.
Sample payment is $179.64 per $10,000 financed for 5 years.


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