Loan & Savings Rates

Savings Accounts
Effective Date: Friday, December 13th, 2019
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 0.25% 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
TermMinimum deposit requiredRateAPY*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.
TermAPR* 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.
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: Friday, December 13th, 2019
Vacation, Christmas, Medical, Bill Consolidation, etc.
TermAPR* 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 TypeAPR*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

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