Rates

The Annual Percentage Yield is accurate as of September 1, 2018

Loans

Loans
Loan Product Interest Rate Annual Percentage Rate Term
Share Secured Loans – 2% higher than the regular share rate 0.000 144
Certificate Secured Loans – 2% higher than the certificate rate 0.000 144
New Vehicles (36 months or less) 2.750 2.750 36
New Vehicles ( 37 to 60 months) 3.500 3.500 60
New Vehicles ( 61 to 72 months) 3.750 3.750 72
Used Vehicles (36 months or less) 3.000 3.000 36
Used Vehicle (37 to 60 months) 3.750 3.750 60
Used Vehicle (61 to 72 months) 4.000 4.000 72
Home Equity Line of Credit (Variable Interest Rate) 4.180 4.180 n/a
1st Lien Mortgage Loans (Up to 5 years) 3.700 3.700 60
1st Lien Mortgage Loans (5 to 10 years) 3.900 3.900 120
1st Lien Mortgage Loans (10 to 15 years) 4.100 4.100 180
1st Lien Mortgage Loans (15 to 20 years) 4.300 4.300 240
2nd Lien Mortgage Loans (Up to 5 years) 4.200 4.200 60
2nd Lien Mortgage Loans (5 to 10 years) 4.400 4.400 120
2nd Lien Mortgage Loans (10 to 15 years) 4.600 4.600 180
2nd Lien Mortgage Loans (15 to 20 years) 4.800 4.800 240
Unsecured Loans (up to $5000 per member) 9.900 9.900 36
VISA Purchases 9.900 9.900 n/a

Savings

Savings
Savings Dividend Rate Annual Percentage Yield Term
Regular Shares 0.200 0.210 n/a
Christmas Club 0.250 0.260 n/a
Vacation Club 0.250 0.260 n/a
IRA Share Account (Under $500) 0.250 0.260 n/a
Checking Account 0.010 0.010 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 1.450 1.460 12
2 Year Certificate – Minimum Deposit $1,000 2.000 2.000 24
3 Year Certificate – Minimum Deposit $1000 2.250 2.250 36
Mini-Jumbo – 1 Year Certificate – Minimum Deposit $50,000 1.600 1.600 12
High Yield – 1 Year Certificate – Minimum Deposit $10,000 1.500 1.500 12
1 Year Certificate – Non Compounding – Minimum Deposit $1,000 1.400 1.400 12
180 Day Certificate – Minimum Deposit $2,500 0.750 0.750 6
90 Day Certificate – Minimum Deposit $2,500 0.500 0.500 3
1 Year IRA Certificate – Minimum Deposit $500 1.600 1.610 12
2 Year IRA Certificate – Minimum Deposit $500 2.000 2.010 24
3 Year IRA Certificate – Minimum Deposit $500 2.250 2.260 36