Rates

The Annual Percentage Yield is accurate as of December 20, 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) 3.000 3.000 36
New Vehicles ( 37 to 60 months) 3.750 3.750 60
New Vehicles ( 61 to 72 months) 4.000 4.000 72
Used Vehicles (36 months or less) 3.250 3.250 36
Used Vehicle (37 to 60 months) 4.000 4.000 60
Used Vehicle (61 to 72 months) 4.250 4.250 72
Home Equity Line of Credit (Variable Interest Rate) 4.180 4.180 n/a
1st Lien Mortgage Loans (Up to 5 years) 3.800 3.800 60
1st Lien Mortgage Loans (5 to 10 years) 4.000 4.000 120
1st Lien Mortgage Loans (10 to 15 years) 4.200 4.200 180
1st Lien Mortgage Loans (15 to 20 years) 4.400 4.400 240
2nd Lien Mortgage Loans (Up to 5 years) 4.300 4.300 60
2nd Lien Mortgage Loans (5 to 10 years) 4.500 4.500 120
2nd Lien Mortgage Loans (10 to 15 years) 4.700 4.700 180
2nd Lien Mortgage Loans (15 to 20 years) 4.900 4.900 240
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 0.500 0.510 n/a
Vacation Club 0.500 0.510 n/a
IRA Share Account (Under $500) 0.300 0.310 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 1.650 1.660 12
2 Year Certificate – Minimum Deposit $1,000 2.250 2.250 24
3 Year Certificate – Minimum Deposit $1000 2.550 2.550 36
Mini-Jumbo – 1 Year Certificate – Minimum Deposit $50,000 1.850 1.850 12
High Yield – 1 Year Certificate – Minimum Deposit $10,000 1.750 1.750 12
1 Year Certificate – Non Compounding – Minimum Deposit $1,000 1.600 1.600 12
180 Day Certificate – Minimum Deposit $2,500 1.000 1.000 6
90 Day Certificate – Minimum Deposit $2,500 0.750 0.750 3
1 Year IRA Certificate – Minimum Deposit $500 1.850 1.860 12
2 Year IRA Certificate – Minimum Deposit $500 2.250 2.270 24
3 Year IRA Certificate – Minimum Deposit $500 2.550 2.570 36