Rates

The Annual Percentage Yield is accurate as of March 13, 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) 2.500 2.500 36
New Vehicles ( 37 to 60 months) 3.250 3.250 60
New Vehicles ( 61 to 72 months) 3.500 3.500 72
Used Vehicles (36 months or less) 2.750 2.750 36
Used Vehicle (37 to 60 months) 3.500 3.500 60
Used Vehicle (61 to 72 months) 3.750 3.750 72
Home Equity Line of Credit (Variable Interest Rate) 3.650 3.650 n/a
1st Lien Mortgage Loans (Up to 5 years) 3.500 3.500 60
1st Lien Mortgage Loans (5 to 10 years) 3.700 3.700 120
1st Lien Mortgage Loans (10 to 15 years) 3.900 3.900 180
1st Lien Mortgage Loans (15 to 20 years) 4.200 4.200 240
2nd Lien Mortgage Loans (Up to 5 years) 4.000 4.000 60
2nd Lien Mortgage Loans (5 to 10 years) 4.200 4.200 120
2nd Lien Mortgage Loans (10 to 15 years) 4.400 4.400 180
2nd Lien Mortgage Loans (15 to 20 years) 4.700 4.700 240
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 certificate which has a 90 day interest penalty.

Certificates
Certificates Dividend Rate Annual Percentage Yield Term
1 Year Compounding Certificate – Minimum Deposit $1,000 1.050 1.060 12
2 Year Certificate – Minimum Deposit $1,000 1.500 1.500 24
Mini-Jumbo – 1 Year Certificate – Minimum Deposit $50,000 1.200 1.200 12
High Yield – 1 Year Certificate – Minimum Deposit $10,000 1.100 1.100 12
1 Year Certificate – Non Compounding – Minimum Deposit $1,000 1.000 1.000 12
180 Day Certificate – Minimum Deposit $2,500 0.700 0.700 6
90 Day Certificate – Minimum Deposit $2,500 0.500 0.500 3
1 Year IRA Certificate – Minimum Deposit $500 1.250 1.260 12
2 Year IRA Certificate – Minimum Deposit $500 1.750 1.760 24