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Savings Rate Board
Rates are effective as of 05/01/2013 and are subject to change without notice. Rates are stated as APY (Annual Percentage Yield).

  Rate APY
Share Savings ($100 min. balance to earn dividends) 0.05% 0.05%
Money Market ($2500-$24999.99) 0.05% 0.05%
Money Market ($25,000.00 and Up) 0.15% 0.15%
Share Draft (Fee Free) 0.00% 0.00%
IRA Shares 0.15% 0.15%
Holiday Club 0.10% 0.10%


Share Certificates - Minimum Balance $1,500
Rates are effective as of 05/01/2013

  Rate APY
6 month 0.15% 0.15%
12 month 0.20% 0.20%
18 month 0.25% 0.25%
24 month 0.30% 0.30%


IRA Certificates - Minimum Balance $1,000
Rates are effective as of 05/01/2013

  Rate APY
6 month 0.15% 0.15%
12 month 0.20% 0.20%
18 month 0.25% 0.25%
24 month 0.30% 0.30%

*The IRA Certificate rates quoted here also apply for Traditional, Roth and Education IRA’s



Loan Rate Board
Rates are effective as of 04/18/2013 and are subject to change without notice.
Loan Rates are stated as APR (Annual Percentage Rate). All rates quoted are the best, lowest rates offered for every loan type. Other rates are available. Based on credit performance, your rate may be higher.

New Auto

Percent of Financing APR Maximum Amount Maximum Term
100% 1.49% $50,000 Up to 36 Months
  1.49% $50,000 Up to 48 Months
  1.75% $50,000 Up to 60 Months
  2.25% $50,000 (min.$20,000) Up to 72 Months
  2.49% $50,000 (min.$20,000) Up to 84 Months
* Includes taxes, tags & extended warranties


Used Auto

  APR Maximum Term
Up to 5 Years Old 1.49% Up to 36 Months
Up to 5 Years Old 1.75% Up to 48 Months
Up to 5 Years Old 1.99% Up to 60 Months
Up to 5 Years Old 2.25% Up to 72 Months (min.$20,000)
Up to 5 Years Old 2.49% Up to 84 Months (min.$20,000)
6–7 Years Old Add 1% Up to 84 Months
* Financing available up to 100% NADA retail value


Home Equity Line Of Credit

APR Maximum Amount Maximum Term
3.25%*

$10,000 -100,000 (min. initial advance of $1000.00 required)

Up to 25 Years
*Annual Percentage Rate; rate is tied to WSJ Prime Rate minus 1 and is subject to change quarterly. Prime - 1%. Floor rate 3.25% and ceiling rate 18%.

Loan Calculator

Home Equity

APR Maximum Amount Maximum Term
3.50% $10,000 - 100,000 Up to 60 Months
4.00% $25,000 - 100,000 Up to 84 Months
4.25% $35,000 - 100,000 Up to 120 Months

Loan Calculator

All credit union loans are simple interest without any pre-payment penalties

Signature Loan

APR Maximum Amount Maximum Term
6.90% $10,000 Up to 12 Months
7.90% $10,000 Up to 24 Months
8.90% $10,000 Up to 36 Months
9.90% $10,000 Up to 48 Months


Overdraft Protection

APR Maximum Amount Maximum Term
14.00% $2,500 Revolving
* Payment: $5 per $100 balance, $25 Per month minimum payment


Shares Secured

APR Maximum Amount Maximum Term
3.00% + (Current Share Dividend Rate) $100,000 Up to 60 Months


Boats New & Used

APR Maximum Amount Maximum Term
6.50% $0 - $25,000 Up to 60 Months
6.75% $25,001 - $50,000 Up to 84 Months
* Not to exceed Blue Book value. A Marine survey may be required


Mobile Homes

APR Maximum Amount Maximum Term
6.90% $50,000 Up to 60 Months
* Not to exceed NADA loan value or 80% of appraisal if provided


Terms and Conditions for the Visa Card


Terms and Conditions for Visa
Annual percentage rate (APR) for purchases 11.90%
Other APRs Cash advance APR: 11.90%
Grace period for repayment of balances for purchases 25 days from statement date
Method of computing the balance for purchases Average daily balance including new purchases
Annual fees None
Transaction fee for cash advances None
Late-payment fee $10.00
Over-the-credit-limit fee $15.00
NCUA


We do business in accordance with
the Federal Fair Housing Law and the
Equal Credit Opportunity Act.