Rates

Share accounts require a $500.00 balance in order to earn a dividend. Club accounts require a $25.00 balance in order to earn a dividend. Youth accounts require a $10.00 balance to earn a dividend. Dividend Draft accounts require a $500.00 balance in order to earn a dividend and a $500.00 balance in order to avoid a $8.00 monthly service charge. Minimum deposit of $5.00 to open a share account. Please contact an employee for information on applicable fees and terms. Shares in your account are insured to $250,000.00 by the National Credit Union Share Insurance Fund (N.C.U.S.I.F.)

Account Rates

Account Rates – Effective 9/30/2019
Account Type Balance Required to Earn APY** Dividend Rate** APY*
Share (Savings) $500 – $5000 0.149% 0.150%
$5000 – $20,000 0.199% 0.200%
$20,000 & Above 0.299% 0.300%
Youth Account $10 & Above 0.349% 0.350%
IRA No minimum 0.399% 0.400%
Dividend Share Draft (Checking) $500 & Above 0.100% 0.100%
6 Month CertificateAccount $1000 minimum deposit*** 0.50%
12 Month CertificateAccount $1000 minimum deposit *** 1.00%
*APY=Annual Percentage Yield
**Dividend Rate= Annual Percentage Rate – May change after account is opened.
*** A penalty may be imposed for early withdrawal. Could reduce earnings on account.
Fees could reduce earnings on a share account.
RATES SUBJECT TO CHANGE WITHOUT NOTICE

Loan

Loan Rates

Loan- Effective 9/30/2019
Loan Type APR* Max Term Max Amount
Share Secured 2.80% variable ** **
Home Equity Varies ** ** **
VISA credit card ** n/a **
*APR=Annual Percentage Rate  ** Contact Us for details.
RATES SUBJECT TO CHANGE WITHOUT NOTICE

Auto Secured

Auto Secured – Effective 9/30/2019
Credit Score APR* Max Term Max Amount#
720+ 3.90% 72 months $60,000
670 – 719 4.90% 72 months $50,000
630 – 669 7.90% 60 months $40,000
590 – 629 11.90% 60 months $30,000
Below 590 15.90% 60 months $25,000
*APR=Annual Percentage Rate  #May be subject to MSRP/NADA Retail Value restrictions. Contact Us for details. Shorter terms may mean lower rates! Ask us about our rate match program.
RATES SUBJECT TO CHANGE WITHOUT NOTICE

Unsecured

Unsecured- Effective 9/30/2019
Credit Score APR* Max Term Max Amount
720+ 9.90% 48 months $6,000
670 – 719 12.9% 48 months $6,000
630 – 669 16.9% 48 months $6,000
590 – 629 18.9% 48 months $6,000
Below 590 20.9% 48 months $6,000
*APR=Annual Percentage Rate
RATES SUBJECT TO CHANGE WITHOUT NOTICE

Unsecured Christmas/Vacation

Unsecured Christmas/Vacation Loan- Effective 9/30/2019
Credit Score APR* Max Term Max Amount
720+ 9.90% 10 months $2,000
670 – 719 12.9% 10 months $2,000
630 – 669 16.9% 10 months $2,000
590 – 629 18.9% 10 months $2,000
Below 590 20.9% 10 months $2,000
*APR=Annual Percentage Rate
RATES SUBJECT TO CHANGE WITHOUT NOTICE

Boat

Boat- Effective 9/30/2019
Loan Type APR* Max Term Max Amount#
New 5.75% 60 months 80% purchase price/
$20,000 or less
New 5.75% 84 months 80% purchase price/
$20,000 or more
Used-Current model year 5.75% 60 months NADA Loan Value
Used-1 & 2 years old 5.75% 48 months NADA Loan Value
Used-3 & 4 years old 5.75% 36 months NADA Loan Value
Used-5 years & older 5.75% 24 months NADA Loan Value
ALL BOAT LOANS $50,000 AND OVER – 10 YEAR MAX TERM, SAME AS CURRENT RATE.
*APR=Annual Percentage Rate  #May be subject to MSRP/NADA Loan Value restrictions. Contact Us for details.
RATES SUBJECT TO CHANGE WITHOUT NOTICE

Motorcycle/ATV

Motorcycle/ATV- Effective 9/30/2019
Loan Type APR* Max Term Max Amount#
New 6.50% 60 months 90% purchase price
Used-Current to 2 years old 9.50% 60 months NADA Avg. Retail
Used-3 years and older 9.50% 36 months NADA Avg. Retail
*APR=Annual Percentage Rate  #May be subject to MSRP/NADA Loan Value restrictions. Contact Us for details.
RATES SUBJECT TO CHANGE WITHOUT NOTICE

RVs

RVs
Loan Type APR* Max Term Max Amount
New Contact Us for rates and terms.
Used Contact Us for rates and terms.
*APR=Annual Percentage Rate
Monthly loan payment examples per $1000 borrowed
Loan Type APR Term Payment
New or Used Auto 7.00% 60 months $19.81
Unsecured/Signature 15.90% 48 months $28.31
Christmas/Vacation 12.90% 10 months $106.03
New or Used Boat 6.00% 60 months $19.34
New Motorcycle/ATV 7.00% 60 months $19.81
Used Motorcycle/ATV 10.00% 60 months $21.26
Rates Subject to Change Without Notice