| Savings Accounts |
| Effective Date: Friday, December 13th, 2019 |
| Savings Type | Minimum deposit required | Rate | APY* | Interest Paid |
| Share Savings |
$100.00 |
0.10% |
0.10% |
Monthly |
| Club Magic |
$1.00 |
0.10% |
0.10% |
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 |
0.25% |
0.25% |
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: Friday, December 13th, 2019 |
| Term | Minimum deposit required | Rate | APY* | Interest Paid |
| Save to Win Certificate |
$25.00 |
0.15% |
0.15% |
Quarterly |
| 3 Month |
$500.00 |
0.50% |
0.50% |
Maturity |
| 6 Month |
$500.00 |
0.50% |
0.50% |
Quarterly |
| 12 Month |
$500.00 |
0.75% |
0.75% |
Quarterly |
| 18 Month |
$500.00 |
1.00% |
1.00% |
Quarterly |
| 24 Month |
$500.00 |
1.49% |
1.50% |
Quarterly |
| 30 Month |
$500.00 |
1.49% |
1.50% |
Quarterly |
| 36 Month |
$500.00 |
1.74% |
1.75% |
Quarterly |
| 48 Month |
$500.00 |
1.93% |
1.95% |
Quarterly |
| 60 Month |
$500.00 |
2.08% |
2.10% |
Quarterly |
| Jumbo Certificate |
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: Friday, December 13th, 2019 |
| Cars, Trucks, Vans, Motorcycles, Boats, Travel Trailers, Motor Homes, Fifth Wheels, etc. |
| Term | APR* As Low As |
| 24 Months |
2.99% |
| 36 Months |
2.99% |
| 48 Months |
2.99% |
| 60 Months |
2.99% |
| 72 Months ($15,000+) |
3.49% |
73-120 Months
(Boats, RVs, Motor Homes, Travel Trailers, Fifth Wheels) |
7.00% |
| *APR=Annual Percentage Rate. |
| Other Secured (Titled/Non-Titled) |
| Effective Date: Friday, December 13th, 2019 |
| Jet Skis, Snowmobiles, Home Improvement, Off Road Motorcycles, etc. |
| Term | APR* As Low As |
| Up to 24 Months |
9.90% |
| 25-48 Months |
10.90% |
| *APR=Annual Percentage Rate. Home Improvement Loans may extend up to 60 months. |
| Unsecured (Closed-End) |
| Effective Date: Friday, December 13th, 2019 |
| Vacation, Christmas, Medical, Bill Consolidation, etc. |
| Term | APR* As Low As |
| Up to 24 Months |
12.25% |
| 25-48 Months |
13.00% |
| Holiday Loans (Terms up to 12 Months) |
8.99% |
| Line of Credit - Overdraft (Open-End) |
11.75% |
| MyPay Today (Terms up to 2 Months) |
18.00% |
| *APR=Annual Percentage Rate. |
| Actual rate based on applicant’s credit history, loan amount, and term. Advertised rates are for informational purposes and the annual percentage rates (APR) and terms may vary. A full appraisal will be required. Your actual rate, payment and costs could be higher. For the most up to date information, please contact Credit Union representative directly for an official loan estimate before choosing a loan. |
| Home Equity Loans |
| Effective Date: Friday, December 13th, 2019 |
| 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 |
5.75% |
| 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 |
9.75% |
| VISA Cards |
| Effective Date: Friday, December 13th, 2019 |
| Card Type | APR* | Rewards |
| VISA Secured |
16.00% |
|
| VISA Classic |
16.00% |
Travel, Gifts (Click Here for info) |
| VISA Gold |
14.00% |
Travel, Gifts (Click Here for info) |
| *APR=Annual Percentage Rate |
