Share accounts require a $500.00 balance in order to earn a dividend. Club accounts require a $25.00 balance in order to earn a dividend. Youth accounts require a $10.00 balance to earn a dividend. Dividend Draft accounts require a $500.00 balance in order to earn a dividend and a $500.00 balance in order to avoid a $8.00 monthly service charge. Please contact an employee for information on applicable fees and terms. Shares in your account are insured to $250,000.00 by the National Credit Union Share Insurance Fund (N.C.U.S.I.F.)
Rates are determined by the Board of Directors and subject to change without notice.
Deposit Account Rates~ Effective Dec. 31, 2011
Account Type Balance Required to Earn APY ** Dividend APY*
Share (Savings) $500 - $5000 0.199% 0.200%
$5000 - $20,000 0.299% 0.300%
$20,000 & Above 0.499% 0.500%
Youth Account $10 & Above 0.499% 0.500%
IRA No minimum 0.996% 1.000%
Dividend Share Draft (Checking) $500 & Above 0.499% 0.500%
6 Month Certificate Account $500 minimum deposit *** 0.50%
12 Month Certificate Account $500 minimum deposit *** 0.75%
*APY=Annual Percentage Yield *** A penalty may be imposed for early withdrawal.
Loan Rates ~ Effective Dec. 31, 2011
Loan Type APR* Max Term Max Amount
Share Secured 3.00% variable ** **
Home Equity Varies with Prime Rate ** **
Mastercard 11.90% n/a **
*APR=Annual Percentage Rate ** Contact Us for details.
Auto Secured Loan Rates ~ Effective Dec. 31, 2011
Credit Score APR* Max Term Max Amount#
720+ 4.99% 72 months $40,000
670 - 719 5.75% 72 months $40,000
630 - 669 7.95% 60 months $35,000
590 - 629 10.90% 60 months $30,000
Below 590 14.50% 60 months $25,000
*APR=Annual Percentage Rate # May be subject to MSRP/NADA Retail Value restrictions. Contact Us for details.
Unsecured Loan Rates ~ Effective Dec. 31, 2011
Credit Score APR* Max Term Max Amount
720+ 10.9% 48 months $6,000
670 - 719 13.9% 48 months $6,000
630 - 669 15.9% 48 months $6,000
590 - 629 17.9% 48 months $6,000
Below 590 19.9% 48 months $6,000
*APR=Annual Percentage Rate
Unsecured Christmas/Vacation Loan Rates ~ Effective Dec 31, 2011
Credit Score APR* Max Term Max Amount
720+ 10.9% 10 months $1,000
670 - 719 13.9% 10 months $1,000
630 - 669 15.9% 10 months $1,000
590 - 629 17.9% 10 months $1,000
Below 590 19.9% 10 months $1,000
*APR=Annual Percentage Rate
Boat Loan Rates ~ Effective Dec. 31, 2011
Loan Type APR* Max Term Max Amount#
New 6.50% 60 months 80% purchase price/
New 6.50% 84 months 80% purchase price/
Used-Current model year 6.50% 60 months NADA Loan Value
Used-1 & 2 years old 6.50% 48 months NADA Loan Value
Used-3 & 4 years old 6.50% 36 months NADA Loan Value
Used-5 years & older 6.50% 24 months NADA Loan Value
ALL BOAT LOANS $50,000 AND OVER - 10 YEAR MAX TERM, SAME AS CURENT RATE. *APR=Annual Percentage Rate # May be subject to MSRP/NADA Loan Value restrictions. Contact Us for details.
Motorcycle/ATV Loan Rates ~ Effective dec. 31, 2011
Loan Type APR* Max Term Max Amount#
New 7.50% 60 months 90% purchase price
Used-Current to 2 years old 10.50% 60 months NADA Avg. Retail
Used-3 years and older 10.50% 36 months NADA Avg. Retail
*APR=Annual Percentage Rate # May be subject to MSRP/NADA Loan Value restrictions. Contact Us for details.
Reational Vehicles Loan Rates ~Effective Dec. 31, 2011
Loan Type APR* Max Term Max Amount
New Contact Us for rates and terms.
Used Contact Us for rates and terms.
*APR=Annual Percentage Rate
