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NEED TO SPEAK TO SOMEONE DIRECTLY?
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Feel free to contact us at any of our branch locations
during our business hours.
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Current Rates
Effective 05/01/12
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Your Savings Federally Insured To $250,000.00 By The National Credit Union Administration. ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. Add 1/4% to all loan rates for members who DO NOT pay through payroll deduction.
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Share Accounts
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Dividend Rate
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APY*
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Effective Date
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Share Account
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.25%
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.25%
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12/31/11
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| To receive a dividend, you must maintain an average daily balance of $500.00 or more. The dividend rate for next quarter will be based on available earnings. Please note these changes do not effect children and youth accounts, the minimum balance required to earn dividend will remain $100.00 |
*APY= Annual Percentage Yield
Money Market
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Dividend Rate
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APY*
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Effective Date
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$2,500.00 - $9,999.99
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0.35%**
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0.35%**
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12/31/11
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$10,000.00 - $24,999.99
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0.45%**
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0.45%**
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12/31/11
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$25,000.00 - $49,999.99
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0.60%**
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0.60%**
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12/31/11
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| $50,000.00 and more |
0.75%**
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0.75%**
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12/31/11
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| Dividends are paid monthly on average daily balances of $2,500.00 and over. The rate for the next month will be based on available earnings. Requires $2,500.00 minimum balance to open. |
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Click Here for our Money Market Disclosure Information.
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*APY= Annual Percentage Yield
**Restrictions Apply, contact us at any of our branches for more information
Share Certificates1 / IRA Share Certificates
| Minimum of $1,000.00 |
Dividend Rate
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APY*
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| 1 Year |
0.50%**
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0.50%**
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| 2 Years |
1.00%**
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1.00%**
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| 3 - 4 Years |
1.25%**
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1.25%**
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| A penalty equalling three (3) months interest, whether earned or not, may be imposed for early redemption/withdrawal. |
*APY= Annual Percentage Yield
**Restrictions Apply, contact us at any of our branches for more information
1Share Certificates are an investment tool, which earn a higher dividend than share accounts for a specified length of time
VISA Credit Card
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APR*
rates as low as
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Grace Period
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Annual Fee
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Classic
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10.95%
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25 days
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none
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Gold
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9.30%
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25 days
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none
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*APR= Annual Percentage Rate
Home Equity Loan
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Fixed and adjustable rates based on available equity.
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Contact our Loan Department at anyone of our branches for current rates.
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Home Mortgage
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Fixed and adjustable rates.
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Contact our Loan Department at anyone of our branches for current rates.
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Auto Loans
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APR*
rates as low as
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Term
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New & Used (1 year old)
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1.99%**
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Purchase Price
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Up to 72 months
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| As low as 72 monthly payments of $14.75 per $1,000 borrowed |
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Used - 2 to 7 years old
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3.55%
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NADA Book Value
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Up to 60 months
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| As low as 60 monthly payments of $18.22 per $1,000 borrowed |
| Classic Cars - 20 yrs & older |
5.50%
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Call for Info
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Up to 72 months
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| As low as 72 monthly payments of $16.34 per $1,000 borrowed |
*APR= Annual Percentage Rate
**Restrictions Apply, contact us at any of our branches for more information
Other Loans
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APR*
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Max
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Months
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Fully Secured
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3.25%
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Shares 3.00% above current dividend rate ~ Certificate 3.00% above certificate rate for remaining term.
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| As low as 72 monthly payments of $15.31 per $1,000 borrowed |
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Unsecured
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rates as low as
7.50%
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$15,000.00
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Up to 60 months
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| As low as 60 monthly payments of $20.05 per $1,000 borrowed |
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Partially Secured
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rates as low as
6.25%
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Shares 6.00% above current dividend rate
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| As low as 72 monthly payments of $16.70 per $1,000 borrowed |
| Holiday |
rates as low as
5.99%
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$2,000.00
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12 months
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| As low as 12 monthly payments of $86.07 per $1,000 borrowed |
| Health/Wellness |
rates as low as
5.49%
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$5,000.00
Minimum of $500.00
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36 Months
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| As low as 36 monthly payments of $30.20 per $1,000 borrowed |
| Overdraft |
16.00%
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$2,500.00
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Boat/Camper/RV
-New and Used- |
rates as low as
3.49%
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Up to 60 months
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| As low as 60 monthly payments of $18.19 per $1,000 borrowed |
Boat/Camper/RV
-New and Used- |
rates as low as
4.49%
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Up to 120 months
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| As low as 120 monthly payments of $10.36 per $1,000 borrowed |
Boat/Camper/RV
-New and Used- |
rates as low as
6.49%
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Up to 180 months
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| As low as 180 monthly payments of $8.71 per $1,000 borrowed |
*APR= Annual Percentage Rate
Your Credit Union is committed to protecting the privacy of its members. Regular non-encrypted Internet email is not secure. Messages sent via any department links from our website are not secure and should never contain any personal or sensitive information such as account numbers, social security numbers, passwords, etc. Our staff will never reply back to these email messages with confidential member information.
Email messages initiated through our Home Banking service, Virtual Branch, are fully secure through SSL.
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