Loan & Savings’ Rates

Loan Rates

December 29, 2022 Rates as Low as*^

	48mos	60mos	72mos*	84mos**	96mos***
	APR	APR	APR	APR	APR
Vehicles 2020 or newer	5.60%	5.70%	6.00%	6.50%	7.00%
Vehicles 2014 – 2019 Vehicles 2013 & Older	5.90% 6.30%	6.00% 6.40%	6.10% 6.50%
Recreational/ Other
2019 or newer	6.70%	6.80%	6.90%	7.00%	7.10%
2018 & older	7.35%	7.45%	7.55%	7.65%	7.75%
Personal Loans	10.75%
Term Certificate	2.00%	above certificate’s rate

APR = Annual Percentage Rate

* Mininum Value $15,000 Mininum Value $30,000 Mininum Value $50,000
^ Rates, terms and conditions may vary based on creditworthiness and qualifications of borrower.
All loans are subject to approval.
Credit union reserves the right to determine maximum length of repayment based on age and condition of collateral, or the acceptance of collateral.
Loan rates are determined by the Board of Directors and may be changed without notice.

Savings Rates

Dividends

Regular Shares, Budget Shares and Christmas Club Accounts dividends are paid based on balance per tier and posted to accounts the last day of the month.

Last Declared Dividend Period: February 1, 2024 through February 29, 2024

From Balance	To Balance	Projected APY Rate Rate
$100.00	$1,499.99	0.05% 0.05%
$1,500.00	$4,999.99	0.10% 0.10%
$5,000.00	$24,999.99	0.10% 0.10%
$25,000.00	$49,999.99	0.10% 0.10%
$50,000.00	$74,999.99	0.20% 0.40%
$75,000.00	Maximum	0.20% 0.40%

Savings balances less than $100, no dividends are calculated for those days.

Term Share Certificates Rates

Effective July 27, 2023

Term	Min. Balance	Rate	APY*
6 months	$ 1,000.00	3.93%	4.00%
6 months	$ 50,000.00	4.41%	4.50%
1 year	$ 1,000.00	3.93%	4.00%
1 year	$ 50,000.00	4.41%	4.50%
2 years	$ 1,000.00	4.00%	4.07%
2 years	$ 50,000.00	4.69%	4.79%

*APY = Annual Percentage Rate

Substantial penalty (90 days interest) for early withdrawal.

Term Share Certificates rates are established by the Board of Directors and may be changed without notice.

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