Rates are effective as of March 1, 2019

DEPOSIT RATES

Regular Shares- 

Earn 0.050%* APY  with an average balance of $100.00 per quarter.  Minimum balance of $5. 

Special Savings-   

Earn 0.050%* APY  with an average balance of $100.00 per quarter.  Minimum balance of $5. 

Checking-            

Earn 0.050%* APY  with an average balance of $1,000.00 per quarter.  No minimum balance. 

Christmas Club- min. $5 deposit  

Earn 0.050%* APY  with an average balance of $100.00 per quarter.  Minimum balance of $5. 

Money Market- $1,000.00-$9,999.00     

Earn 0.30%* APY

Money Market- $10,000.00-$24,999.00

Earn 0.40%* APY

Money Market- $25,000.00 or more  

Earn 0.50%* APY


CERTIFICATE RATES

6 month cd- min. $1,000.00 

Earn 0.45%* APY

1 year cd- min. $1,000.00 

Earn 1.05%* APY

2 year cd- min. $1,000.00 

Earn 1.56%* APY

3 year cd- min. $1,000.00 

Earn 1.76%* APY

4 year cd- min. $1,000.00 

Earn 2.07%* APY

5 year cd- min. $1,000.00 

Earn 2.27%* APY

6 month youth cd- min. $50.00 

Earn 0.60%* APY, only applicable on minor account 18 years of age and under. 

Existing member certificates may be converted into a 48 or 60 month term upon member's request without penalty. A new certificate will be created to reflect the new term, commencing that date. Should the dollar amount change, a penalty will apply.

cd term                                  penalty

6 - 36 months                              90 days

48 months                                  18 months

60 months                                 24 months


IRA RATES

1 YEAR IRA- min. $2,000.00 

Earn 0.85%* APY

2 year IRA- min. $2,000.00 

Earn 1.31%* APY


LOAN RATES

auto

Minimum finance amount $3,000.00

model year 2020-2015  

New or Used

Up to 48 mo. – as low as 3.85%*

49-66 mo. – as low as 4.24%*

67-72 mo. – as low as 4.85%*

73-84 mo. – as low as 5.24%*

model year 2014-2010  

Up to 48 mo. – as low as 4.85%*

49-66 mo. – as low as 5.24%*

67-72 mo. –  as low as 5.85%*

73-84 mo. – as low as 6.24%*

model year 2009 & older  

Up to 36 mo. – as low as 5.85%*

37-48 mo. – as low as 6.24%*

49-66 mo. – as low as 8.24%*

*Subject to change at any time. No rebuilt/salvage titles accepted.

 

recreational/collateral 

Minimum finance amount $3,000.00

Up to 120 mo. – as low as 5.75%*

*Subject to change at any time. No rebuilt/salvage titles accepted.

 

personal

Borrow from $500.00-$15,000.00 

Up to 60 mo. – as low as 8.75%*

*Subject to change at any time.

 

secured/Credit builder

minimum $300.00

Up to 120 mo. – as low as 3.00%*

*Subject to change at any time.

 

certificate secured

minimum $300.00

Up to 120 mo. – as low as 4.00%*

*Subject to change at any time.

 

home equity

minimum $5,000.00

Up to 80% – as low as 5.46%*

Up to 85% – as low as 6.46%*

Up to 90% – as low as 7.46%*

*Subject to change at any time.

 

visa credit card

limits up to $15,000.00 

Revolving line – as low as 6.80%*

*Subject to change at any time.


 APR – Annual Percentage Rate  APY – Annual Percentage Yield