Loan & Savings Rates

Savings Accounts
Effective Date: Thursday, December 3rd, 2020
Savings TypeMinimum deposit requiredRateAPY*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 0.10% 0.10% 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: Thursday, December 3rd, 2020
TermMinimum deposit requiredRateAPY*Interest Paid
Save to Win Certificate $25.00 0.15% 0.15% Quarterly
3 Month $500.00 0.35% 0.35% Maturity
6 Month $500.00 0.45% 0.45% Quarterly
12 Month $500.00 0.55% 0.55% Quarterly
18 Month $500.00 0.50% 0.50% Quarterly
24 Month $500.00 0.65% 0.65% Quarterly
36 Month $500.00 0.75% 0.75% Quarterly
48 Month $500.00 0.85% 0.85% Quarterly
60 Month $500.00 1.00% 1.00% 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: Thursday, December 3rd, 2020
Cars, Trucks, Vans, Motorcycles, Boats, Travel Trailers, Motor Homes, Fifth Wheels, etc.
TermAPR* 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)
7.00%
*APR=Annual Percentage Rate.

Other Secured (Titled/Non-Titled)
Effective Date: Thursday, December 3rd, 2020
Jet Skis, Snowmobiles, Home Improvement, Off Road Motorcycles, etc.
TermAPR* 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: Thursday, December 3rd, 2020
Vacation, Christmas, Medical, Bill Consolidation, etc.
TermAPR* 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 history, 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: Thursday, December 3rd, 2020
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: Thursday, December 3rd, 2020
Card TypeAPR*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

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