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Loan & Savings’ Rates

 Loan Rates

December 31, 2021   Rates as Low as*^
48mos 60mos 72mos* 84mos** 96mos***
APR APR APR APR APR
Vehicles 2015 or newer 2.30% 2.30% 2.40% 2.50% 2.60%
Vehicles 2010 – 2014

Vehicles 2009 & Older

3.05%

4.40%

3.15%

4.50%

3.25%

4.60%

Recreational/ Other
2012 or newer 3.65% 3.75% 3.85% 3.95% 4.05%
2011 & older 4.40% 4.50% 4.60%
Personal Loans 7.80%
Term Certificate 1.75% 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: December 1, 2021, through December 31, 2021

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%                 0.20%
$75,000.00 Maximum  0.20%                 0.20%

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

Term Share Certificates Rates

Effective September 30, 2021

Term   Min. Balance Rate             APY*
6 months  $          1,000.00 0.05% 0.05%
1 year  $          1,000.00 0.50% 0.50%
1 year  $        50,000.00 0.60% 0.60%
2 years  $          1,000.00 0.70% 0.70%
2 years  $        50,000.00 0.80% 0.80%

*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.

Renewing certificates in amounts equal or greater than maturing certificate will receive 0.10% added to the above stated rates if renewed within 10 days of prior certificate’s maturity.

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