*APY = Annual Percentage Yield.
**$500.00 minimum daily balance to earn interest; no minimum balance to maintain account.
Dividends compounded daily and posted monthly.
***Terms listed are applicable for both Roth and Traditional IRA Savings and IRA Money Market Deposits.
| Accounts | Minimum | Dividend Rates | APY* |
|---|---|---|---|
| Regular Savings | $1.00 | 0.50% | 0.500% |
| Special Savings | $10.00 | 0.50% | 0.500% |
| Christmas Club | $10.00 | 0.50% | 0.500% |
| Money Market** | $500.00 | 2.25% | 2.273% |
| Checking** | $500.00 | 0.05% | 0.050% |
| IRA Savings*** | $10.00 | 0.50% | 0.500% |
| IRA Money Market | $500.00 | 2.25% | 2.273% |
| HSA | $0 | 2.25% | 2.273% |
| Loans | APR (Annual Percentage Rate)* |
|---|---|
| Signature Loan | as low as 7.70% |
| Shared Secured | Share Certificate Rate + 2% |
| New Auto Loan | as low as 5.40% |
| Used Auto Loan | as low as 6.15% |
| Lawn, Garden & Farm Equipment | as low as 9.90% |
| RV, Watercraft & Motorcycle | as low as 7.95% |
| Other Collateral | as low as 9.90% |
| Energy Efficient Loan | as low as 5.90% |
| VISA® Credit Card | as low as 9.90% |
| HELOC Line of Credit** | 6.50% |
*APR = Annual Percentage Rate
**prime rate; 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 
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