Rates

The Annual Percentage Yield is accurate as of August 2, 2021

Loans

Loans
Loan Product Interest Rate Annual Percentage Rate Term
Share Secured Loans – 2% higher than the regular share rate 144
Certificate Secured Loans – 2% higher than the certificate rate 144
New Vehicles (36 months or less) 2.50 2.50 36
New Vehicles ( 37 to 60 months) 3.00 3.00 60
New Vehicles ( 61 to 72 months) 3.25 3.25 72
Used Vehicles up to 10 years old (36 months or less) 2.75 2.75 36
Used Vehicles up to 10 years old (37 to 60 months) 3.25 3.25 60
Used Vehicles up to 10 years old (61 to 72 months) 3.50 3.50 72
Home Equity Line of Credit (Variable Interest Rate) 3.00 3.00 n/a
1st Lien Mortgage Loans (Up to 10 years) 2.40 2.40 120
1st Lien Mortgage Loans (10 to 15 years) 2.60 2.60 180
1st Lien Mortgage Loans (15 to 20 years) 2.99 2.99 240
2nd Lien Mortgage Loans (Up to 10 years) 2.90 2.90 120
2nd Lien Mortgage Loans (10 to 15 years) 3.10 3.10 180
2nd Lien Mortgage Loans (15 to 20 years) 3.49 3.49 240
Unsecured Loans (up to $5000 per member) 9.90 9.90 36
VISA Purchases 9.90 9.90 n/a

Savings

Savings
Savings Dividend Rate Annual Percentage Yield Term
Regular Shares 0.05 0.05 n/a
Christmas Club 0.15 0.16 n/a
Vacation Club 0.15 0.16 n/a
IRA Share Account (Under $500) 0.10 0.11 n/a
Checking Account 0.01 0.01 n/a

Certificates

There is a penalty for early withdrawals on certificates. A 30 day interest penalty will apply to early withdrawals on all certificates with the exception of the 2 year and 3 year certificates which have a 90 day interest penalty.

Certificates
Certificates Dividend Rate Annual Percentage Yield Term
1 Year Compounding Certificate – Minimum Deposit $1,000 0.15 0.16 12
2 Year Certificate – Minimum Deposit $1,000 0.25 0.25 24
3 Year Certificate – Minimum Deposit $1000 0.35 0.35 36
Mini-Jumbo – 1 Year Certificate – Minimum Deposit $50,000 0.20 0.20 12
High Yield – 1 Year Certificate – Minimum Deposit $10,000 0.20 0.20 12
1 Year Certificate – Non Compounding – Minimum Deposit $1,000 0.15 0.15 12
180 Day Certificate – Minimum Deposit $2,500 0.10 0.10 6
90 Day Certificate – Minimum Deposit $2,500 0.05 0.05 3
1 Year IRA Certificate – Minimum Deposit $500 0.20 0.21 12
2 Year IRA Certificate – Minimum Deposit $500 0.25 0.26 24
3 Year IRA Certificate – Minimum Deposit $500 0.35 0.36 36