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 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. 

Account Type Deposit Account Rates ~ Effective March 31, 2014 Balance Required to Earn APY **      Dividend 
                                                      Rate**
APY*
Share (Savings)    $500 - $5000                                     0.099% 0.100%
  $5000 - $20,000                                0.149% 0.150%
  $20,000 & Above                               0.249% 0.250%
Youth Account $10 & Above                                      0.349% 0.350%
IRA No minimum                                       0.399% 0.400%
Dividend Share Draft (Checking) $500 & Above                                    0.100% 0.100%
6 Month Certificate Account $1000 minimum deposit ***          0.30%
12 Month Certificate Account $1000 minimum deposit *** 0.35%


*APY=Annual Percentage Yield
**Dividend Rate = Annual Percentage Rate
*** A penalty may be imposed for early withdrawal.
                                                      

   

 

Loan Rates ~ Effective March 31, 2014
Loan Type APR* Max Term Max Amount
Share Secured 2.75% 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 March 31, 2014
Credit Score APR* Max Term Max Amount#
720+ 2.90% 72 months $50,000
670 - 719 4.00% 72 months $50,000
630 - 669 7.00% 60 months $40,000
590 - 629 10.00% 60 months $30,000
Below 590 14.00% 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 March 31, 2014
Credit Score APR* Max Term Max Amount
720+ 9.90% 48 months $6,000
670 - 719 12.9% 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 March 31, 2014
Credit Score APR* Max Term Max Amount
720+ 9.90% 10 months $1,000
670 - 719 12.9% 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 March 31, 2014
Loan Type APR* Max Term Max Amount#
New 6.50% 60 months 80% purchase price/
$20,000 or less
New 6.50% 84 months 80% purchase price/
$20,000 or more
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 March 31, 2014
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 March 31, 2014
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 

 

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