Rates

LOAN RATES

Last updated on 05/12/2024

  
    Loan Type
    Requirements
    Term
    APR*
  
    New Vehicles
    100% of Sticker
    48 Months
    As low as *
  
    66 Months
    As low as *
  
    72 Months
    As low as *
  
    84 Months
    As low as *
  
    Used Vehicle Loans (2016-2023)
    100% NADA Value (Auto or Truck)
    48 Months
    As low as *
  
    66 Months
    As low as *
  
    72 Months
    As low as *
  
    84 Months
    As low as *
  
    Used Vehicle Loans (2015 and older)
    100% NADA Value (Auto or Truck)
    48 Months
    As low as *
  
    60 Months
    As low as *
  
    $15K+ 72
    As low as %*
  
    New RVs
    100% of Sticker
    48 Months
    As low as *
  
    60 Months
    As low as *
  
    61 - 84 Months
    As low as *
  
    $25K+ 120
    As low as *
  
    $25K+ 180
    As low as  *
  
    Add 1% to Powersport RVs (Motorcycle, ATV, Jet Ski, UTV)
  
    Used RVs
    80% of NADA Value
    60 Months
    As low as *
  
    84 Months
    As low as *
  
    $30,000 or greater
    120 Months
    As low as *
  
    Add 1% to Powersport RVs (Motorcycle, ATV, Jet Ski, UTV)
  
    Farm Equipment
    New
    Up to 60 Months
    *
  
    Used
    Up to 48 Months
    *

OTHER LOANS

  
    Loan Type
    Requirements
    Term
    APR*
  
    Visa Classic/Gold
    No Annual Fee
    27 Months
    TBD
  
    Share Secured
    
    As low as *
  
    Unsecured Loans
    Max of $12,000
    60 Months
    As low as *
  
    Specialty (Vacation/Christmas, etc.)
    
    12 Months
    As low as *

MORTGAGE LOANS

Last updated on 25/7/2024

  
    Loan Type
    Requirements
    Term
    APR*
  
    Mortgage (First/Refinance or Purchase)
    95% Max**
    180 Months
    Call for Quote
  
    240 Months
    Call for Quote
  
    360 Months
    Call for Quote
  
    Construction
    
    5/1 Adjustable Rate Mortgage
    90% Max
    360 Months
    
    5 Year Balloon
    80% Max
    360 Months
    
    HELOC
    90% appraised value
    300 Months
    
    Second Fixed Rate Mortgage
    80% appraised value
    60 Months
    As low as *
  
    Unimproved Property
    80% appraised value
    120 Months
    *
  
    180 Months
    *

SAVINGS RATES

*Effective December 3, 2024. All rates are subject to change without warning.

SHARE RATES

Account Type	APY**
Regular Shares
Super Shares
Share Plus ($2,500 - $49,999)
Share Plus (greater than $50,000)
Club Level Money Market ($2,500 - $49,999)**
Club Level Money Market ($50,000+)**
Premium Money Market ($0 - $24,999)**
Premium Money Market ($25,000 - $49,999)**
Premium Money Market ($50,000+)**

_{Any Silver Star 55+ or 5 Star Member can add 0.15% to any new Certificate with a 2-year term or higher or 0.05% for all others*.}

SHARE CERTIFICATES

Account Type	APY**
3 Months*
6 Months*
1 Year*
18 Months*
2 Year*
3 Year*
5 Year*

_{**All Club and Premium Money Markets must have a 5 Star or Silver Star Checking**}

IRA & ROTH IRA

  
    Account Type
    APY**
  
    IRA & Roth IRA Share

IRA CERTIFICATES

  
    Account Type
    APY**
  
    IRA & Roth/Education 1 Yr CD
    
    IRA & Roth/Education 2 Yr CD
    
    IRA & Roth/Education 3 Yr CD
    
    IRA & Roth/Education 5 Yr CD

OTHER SAVINGS

Account Type	APY**
Health Savings Accounts
Coverdell ESA
Holiday Club
Vacation Club
Business Draft

_{**These rates reflect the Annual Percentage Yield and are presented for the member's information only.

Please contact the credit union for disclosures and account details.}

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