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Rates are subject to change.
Please call the Credit Union to verify current rates.
Savings Rates
Effective August 16, 2011
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Truth In Savings Disclosure
available on request. |
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Share Savings |
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Dividend Rate (%) |
APY (%) |
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| Regular Share Account |
0.10 |
0.10 |
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Money Market Account (Maximum 3 withdrawals per month) |
Balance |
Dividend Rate (%) |
APY (%) |
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$0 - $1999.99 |
0.00 |
0.00 |
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| $2000 - $4999.99 |
0.15 |
0.15 |
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| $5000 - $9,999.99 |
0.20 |
0.20 |
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| $10,000 - $24,999.99 |
0.25 |
0.25 |
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| $25,000 - $49,999.99 |
0.30 |
0.30 |
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| $50,000 - $99,999.99 |
0.35 |
0.35 |
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| $100,000+ |
0.40 |
0.40 |
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| Share Certificate Account ($500.00 minimum) |
Term |
Dividend Rate (%) |
APY (%) |
Penalty for Early Withdrawal |
Six (6) Months |
0.45 |
0.45 |
90 days |
12 Months |
0.55 |
0.55 |
90 days |
24 Months |
0.70 |
0.70 |
180 days |
36 Months |
1.09 |
1.10 |
180 days |
48 Months |
1.49 |
1.50 |
180 days |
60 Months |
1.99 |
2.00 |
180 days |
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| IRA Account ($500.00 minimum) |
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Dividend Rate (%) |
APY (%) |
Penalty for Early Withdrawal |
| IRA Share Account |
0.10 |
0.10 |
90 days |
| IRA CD 6 Months |
0.45 |
0.45 |
90 days |
| IRA CD 12 Months |
0.55 |
0.55 |
90 days |
| IRA CD 24 Months |
0.70 |
0.70 |
180 days |
| IRA CD 36 Months |
1.09 |
1.10 |
180 days |
| IRA CD 48 Months |
1.49 |
1.50 |
180 days |
| IRA CD 60 Months |
1.99 |
2.00 |
180 days |
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| Club Account |
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Dividend Rate (%) |
APY(%) |
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| Holiday Club |
0.10 |
0.10 |
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Loan Rates
Effective February 15, 2011
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Loan rates (%) are based on Experian Risk-Based Score |
Vehicle Loan NEW: 2003-2011 Models |
Credit Score |
Up to 60 Months | |
61-72 Months | |
73-84 Months |
A+
|
740+ |
3.50% |
add .50% |
add 2.00% |
A
|
739-720 |
4.00% |
add .50% |
add 2.00% |
B+ |
719-700 |
5.00% |
add .50% |
add 2.00% |
B: |
699-680 |
5.80% |
add .50% |
add 2.00% |
C+ |
679-660 |
7.60% |
add .50% |
add 2.00% |
C |
659-640 |
9.99% |
add .50% |
add 2.00% |
D |
639-600 |
16.99% |
add .50% |
add 2.00% |
E |
599 & below |
18.00% |
add .50% |
add 2.00% |
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| Vehicle Loan USED: 2002 & Older |
Credit Score |
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A+ |
740+ |
5.00% |
2000-2002 models:
up to 48 months financing
1999 & older models:
up to 36 months financing |
A |
739-720 |
6.00% |
B+ |
719-700 |
7.00% |
B |
699-680 |
8.00% |
C+ |
679-660 |
9.00% |
C |
659-640 |
11.00% |
D |
639-600 |
17.75% |
E |
599 & below |
18.00% |
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| Classic Car Loan |
Credit Score |
36 Months |
48 Months |
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| A+ |
740+ |
6.99% |
6.99% |
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| A |
739-720 |
7.25% |
7.25% |
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| B+ |
719-700 |
8.00% |
8.00% |
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| B |
699-680 |
10.00% |
10.00% |
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| C+ |
679-660 |
11.50% |
11.50% |
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| C |
659-640 |
14.50% |
14.50% |
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| D |
639-600 |
17.75% |
17.75% |
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| E |
599 & below |
18.00% |
n/a |
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| Motorcycle Loan NEW: 2004-2010 |
Credit Score |
Up to 60 Months | |
61-72 Months | |
73-84 Months |
A+ |
740+ |
6.50% |
add .50% |
add 2.00% |
A |
739-720 |
7.40% |
add .50% |
add 2.00% |
B+ |
719-700 |
7.75% |
add .50% |
add 2.00% |
B |
699-680 |
8.75% |
add .50% |
add 2.00% |
C+ |
679-660 |
10.50% |
add .50% |
add 2.00% |
C |
659-640 |
12.00% |
add .50% |
add 2.00% |
D |
639-600 |
17.00% |
add .50% |
add 2.00% |
E |
599 & below |
18.00% |
add .50% |
add 2.00% |
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| Motorcycle Loan USED: 2003 & Older |
Credit Score |
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| A+ |
740+ |
7.10% |
Up to 36 months financing |
| A |
739-720 |
7.75% |
| B+ |
719-700 |
8.00% |
| B |
699-680 |
9.00% |
| C+ |
679-660 |
11.00% |
| C |
659-640 |
12.50% |
| D |
639-600 |
17.50% |
| E |
599 & below |
18.00% |
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Recreational Vehicles
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Credit Score |
60 Months |
84 Months |
120 Months |
| A+ |
740+ |
8.50% |
8.75% |
Not
Available |
| A |
739-720 |
8.70% |
8.99% |
| B+ |
719-700 |
9.15% |
9.25% |
| B |
699-680 |
11.50% |
12.00% |
| C+ |
679-660 |
13.50% |
14.00% |
| C |
659-640 |
17.50% |
17.75% |
| D |
639-600 |
18.00% |
18.00% |
| E |
599 & below |
n/a |
n/a |
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| Jet Ski, ATV, Snowmobile, Off-road Motorcycle |
Credit Score |
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| A+ |
740+ |
9.25% |
Up to 36 months financing |
| A |
739-720 |
9.50% |
| B+ |
719-700 |
10.50% |
| B |
699-680 |
11.00% |
| C+ |
679-660 |
12.50% |
| C |
659-640 |
13.75% |
| D |
639-600 |
17.00% |
| E |
599 & below |
18.00% |
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| Watercraft Loan |
Credit Score |
48 Months |
60 Months |
72 Months |
| A+ |
740+ |
8.75% |
9.00% |
9.25% |
| A |
739-720 |
9.00% |
9.25% |
10.00% |
| B+ |
719-700 |
9.25% |
10.50% |
10.95% |
| B |
699-680 |
11.00% |
11.50% |
12.00% |
| C+ |
679-660 |
12.75% |
13.50% |
14.00% |
| C |
659-640 |
14.00% |
14.75% |
16.00% |
| D |
639-600 |
17.00% |
17.50% |
18.00% |
| E |
599 & below |
18.00% |
18.00% |
n/a |
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| Second Mortgage Loans |
Credit Score |
Loan to Value
85% or Less |
Loan to Value
85.1%-90.1%
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Loan to Value
90.1%-95%
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| A+/A |
720+ |
6.50% |
7.50% |
9.50% |
| B+/B |
719-699 |
7.25% |
7.75% |
10.00% |
| C+ |
698-678 |
8.25% |
10.25% |
10.75% |
| C |
677-657 |
16.00% |
16.25% |
16.75% |
| D |
656-636 |
17.00% |
n/a |
n/a |
| E |
635 & below |
18.00% |
n/a |
n/a |
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| Unsecured Loans |
Credit Score |
Classic
Visa® Card |
Signature
Loan
(up to 36 mos)
|
Overdraft
Protection |
| A+ |
740+ |
9.90% |
10.50% |
16.00% |
| A |
739-720 |
11.90% |
10.95% |
16.25% |
| B+ |
719-700 |
12.90% |
12.70% |
16.50% |
| B |
699-680 |
12.90% |
13.25% |
16.75% |
| C+ |
679-660 |
15.90% |
14.75% |
17.50% |
| C |
659-640 |
15.90% |
15.75% |
17.75% |
| D |
639-600 |
17.90% |
17.50% |
17.90% |
| E |
599 & below |
17.90% |
18.00% |
18.00% |
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