| Savings Accounts |
| Effective Date: Saturday, December 4th, 2021 |
| Savings Type | Minimum deposit required | Rate | APY* | Interest Paid |
| Share Savings |
$100.00 |
0.05% |
0.05% |
Monthly |
| Club Magic |
$1.00 |
0.05% |
0.05% |
Monthly |
| Money Market Tier 1 |
$1,000.00 |
0.10% |
0.10% |
Monthly |
| Money Market Tier 2 |
$25,000.00 |
0.20% |
0.20% |
Monthly |
| IRA |
$100.00 |
0.05% |
0.05% |
Quarterly |
| Fees could reduce the earnings on the account. |
| 90 day interest penalty for early withdraw from certificates or IRA certificates. |
| Certificate of Deposit & Term IRAs |
| Effective Date: Saturday, December 4th, 2021 |
| Term | Minimum deposit required | Rate | APY* | Interest Paid |
| Save to Win Certificate |
$25.00 |
0.15% |
0.15% |
Quarterly |
| 3 Month |
$500.00 |
0.05% |
0.05% |
Maturity |
| 6 Month |
$500.00 |
0.05% |
0.05% |
Quarterly |
| 12 Month |
$500.00 |
0.30% |
0.30% |
Quarterly |
| 18 Month |
$500.00 |
0.35% |
0.35% |
Quarterly |
| 24 Month |
$500.00 |
0.40% |
0.40% |
Quarterly |
| 36 Month |
$500.00 |
0.50% |
0.50% |
Quarterly |
| 48 Month |
$500.00 |
0.60% |
0.60% |
Quarterly |
| 60 Month |
$500.00 |
0.75% |
0.75% |
Quarterly |
| Jumbo Certificate (Jumbo rates do not apply to non-member deposits) |
24 Month and over $10,000 earns 5 basis points (.05%) above regular rate
24 Month and over $25,000 earns 10 basis points (.1%) above regular rate
|
| *APY=Annual Percentage Yield. 90 day interest penalty for early withdrawal from certificates or IRA certificates. |
| Secured (Titled New/Used Vehicles) |
| Effective Date: Saturday, December 4th, 2021 |
| Cars, Trucks, Vans, Sport Utility Vehicles |
| Term | APR* As Low As |
| 24 Months |
3.00% |
| 36 Months |
3.00% |
| 48 Months |
3.00% |
| 60 Months |
4.79% |
| 72 Months ($15,000+) |
4.99% |
73-120 Months
(Boats, RVs, Motor Homes, Travel Trailers, Fifth Wheels) |
Call us |
| *APR=Annual Percentage Rate. |
| Other Secured (Titled/Non-Titled) |
| Effective Date: Saturday, December 4th, 2021 |
| Recreational Vehicles - Motorhomes, Travel Trailers, Fifth Wheelers, Jet Skis, Snowmobiles, Motorcycles, Off Road Motorcycles, All-Terrain Vehicles (ATV), Boat max length 25 feet. |
| Term | APR* As Low As |
| Up to $10,000, max 60 months |
| 48-60 Months |
4.25% |
| 72 Months |
4.45% |
| 84 Months |
4.55% |
| $10,000 - $60,000, max 120 months |
| 120 Months |
4.65% |
| *APR=Annual Percentage Rate. |
| Unsecured (Closed-End) |
| Effective Date: Saturday, December 4th, 2021 |
| Vacation, Christmas, Medical, Bill Consolidation, etc. |
| Term | APR* As Low As |
| Up to 24 Months |
10.99% |
| 25-48 Months |
13.00% |
| Line of Credit - Overdraft (Open-End) |
10.25% |
| MyPay Today (Terms up to 2 Months) |
18.00% |
| Holiday Loans |
8.99% |
| *APR=Annual Percentage Rate. |
| Rates may vary, based on term, credit score, and loan amount. Fees and other charges may apply – contact your Credit Union representative for an official loan estimate to help you choose the loan option that best fits your needs. |
| Home Equity Loans |
| Effective Date: Saturday, December 4th, 2021 |
| Anti-Redlining Disclosure |
| | APR* As Low As |
| Home Equity Line of Credit ($10,000 Minimum 60 Month Draw Period) |
|
| Up to 100% of Home's Life Time Value |
5.00% |
| Under 75% of Home's Life Time Value |
5.00% |
| Term Home Equity ($7,500.00 Minimum, up to 120 Months) |
Call Us |
| Community Partnership Loan |
8.25% |
| **Variable Rate Features: This plan has a variable rate feature and the ANNUAL PERCENTAGE RATE (corresponding to the periodic rate) and the minimum payment can change as a result. The ANNUAL PERCENTAGE RATE includes interest and no other costs. The ANNUAL PERCENTAGE RATE is based on the value of an index. The index is the Prime Rate published in The Wall Street Journal. When a range of rates has been published, the highest rate is used. We then add a margin to the value of the index. Contact your Credit Union representative directly for most up to date rate information. |
| VISA Cards |
| Effective Date: Saturday, December 4th, 2021 |
| Card Type | APR* | Rewards |
| VISA Secured |
14.50% |
|
| VISA Classic |
14.50% |
Travel, Gifts (Click Here for info) |
| VISA Gold |
12.50% |
Travel, Gifts (Click Here for info) |
| *APR=Annual Percentage Rate |
