Rates effective as of March 1, 2018 and subject to change without notice.

Loans Minimum Dividend Rates APY* Term
Regular Savings $1.00 .10% .10% n/a
Special Savings $10.00 .10% .10% n/a
Christmas Club $10.00 .10% .10%n/a
Money Market** $500.00 .25% .25%n/a
Checking** $500.00 .05% .05%n/a
IRA Savings $10.00 .10% .10%n/a
IRA Money Market $500.00 .25% .25%n/a

*APY = Annual Percentage Yield

**$500.00 minimum daily balance to earn interest; no minimum balance to maintain account.
Dividends compounded daily and posted monthly.

Loans APR Range* Terms
Signature Loan 6.70% - 12.95% 12
Signature Loan 10.00% - 16.25% 24
Signature Loan 12.00% - 17.95% 36
Signature Loan 13.00% - 17.95% 48
Shared Secured 2.25% 60
New Auto Loan 2.84% - 9.74% 36
New Auto Loan 2.89% - 10.24% 48
New Auto Loan 2.89% - 10.24% 60
New Auto Loan 3.24% - 12.20% 72
New Auto Loan (over $25,000) 5.99% - 13.00% 84
Used Auto Loan 2.89% - 9.74% 24
Used Auto Loan 2.89% - 9,74% 36
Used Auto Loan 3.39% - 10.24% 48
Used Auto Loan 3.39% - 10.24% 60
Used Auto Loan 3.59% - 12.20% 72
Used Auto Loan (over $25,000) 5.99% - 13.00% 84
Lawn, Garden & Farm Equipment 8.90% 60
RV, Watercraft & Motocycle 5.95% - 11.95% 72
RV, Watercraft & Motocycle 7.95% - 13.95% 120
Other Collateral 8.90% 60
Energy Efficient Loan 4.90% - 10.90% 60
Energy Efficient Loan 5.90% - 12.90% 120
VISA® Credit Card as low as 9.9% n/a
HELP Line of Credit** 4.25% n/a

*APR = Annual Percentage Rate
Includes a .25% lower rate with direct pay (except on Visa, HELP, RV/Watercraft loans)

**prime + 1%; variable rate; maximum rate is 18%; no fees required for opening or participation in the plan.
Primary Risk Score: Your primary risk score is part of your credit report and is based on the Fair Isaac “FICO” score. If you would like to find out more about this score, please contact the credit union, or visit the FICO website at www.myfico.com Opens in New Windowopens in a new window 

Loans Minimum Dividend Rates APY* Term
Share Certificate (90 Day) $1000.00 .25% .25% 3
Share Certificate (180 Day) $1000.00 .50% .50% 6
Share Certificate (12 Month) $500.00 .85% .85% 12
Share Certificate (24 Month) $500.00 1.00% 1.00% 24
Share Certificate (36 Month) $500.00 1.50% 1.51% 36
IRA Share Certificate (90 Day) $1000.00 .35% .35% 3
IRA Share Certificate (180 Day) $1000.00 .50% .50% 6
IRA Share Certificate (12 Month) $500.00 .85% .85% 12
IRA Share Certificate (24 Month) $500.00 1.00% 1.00% 24
IRA Share Certificate (36 Month) $500.00 1.74% 1.75% 36

*APY = Annual Percentage Yield
Dividends compounded and posted monthly.
Early withdrawal subject to penalty.