Rates

Rates effective as of 2/23/15. Rates subject to change at any time.

APY = Annual Percentage Yield. Fees may reduce earnings.

Loan Rates

Secured & Unsecured Loan Rates

Loan TypeTermsAPRMonthly Payment per $1000 borrowed - Maximum Term
SecuredUp to 84 Months32.50% to 18.00%2$12.99 - $21.03
UnsecuredUp to 60 Months8.95% to 17.95%2$20.74 - $25.38
New & Used Autos1Up to 96 Months32.50% to 18.00%2$12.99 - $21.03

1 Up to 125% financing on new autos for qualified member's and up to 125% financing of the NADA average retail value on used autos for qualified borrowers.

2 Rates are determined based on the creditworthiness of the applicant.

3 Terms are determined based on the creditworthiness of the applicant.

Overdraft Loan

Loan TypeAPR
Overdraft Loan18.00%

Savings Rates

Share Certificates

TermTierMinimum to Open & Earn DividendsRateAPYEarly Withdrawal Penalty
3 Month$1,000.00 to $9,999.99$1,000.000.2500.25090 Days Dividends
3 Month$10,000.00 to $24,999.99$1,000.000.2500.25090 Days Dividends
3 Month$25,000.00 to $49,999.99$1,000.000.2500.25090 Days Dividends
3 Month$50,000.00 to $99,999.99$1,000.000.2500.25090 Days Dividends
3 Month$100,000.00 and up$1,000.000.2500.25090 Days Dividends
6 Month$1,000.00 to $9,999.99$1,000.000.3000.30090 Days Dividends
6 Month$10,000.00 to $24,999.99$1,000.000.3000.30090 Days Dividends
6 Month$25,000.00 to $49,999.99$1,000.000.3000.30090 Days Dividends
6 Month$50,000.00 to $99,999.99$1,000.000.3000.30090 Days Dividends
6 Month$100,000.00 and up$1,000.000.3000.30090 Days Dividends
12 Month$1,000.00 to $9,999.99$1,000.000.6000.60190 Days Dividends
12 Month$10,000.00 to $24,999.99$1,000.000.7000.70290 Days Dividends
12 Month$25,000.00 to $49,999.99$1,000.000.7500.75290 Days Dividends
12 Month$50,000.00 to $99,999.99$1,000.000.8000.80290 Days Dividends
12 Month$100,000.00 and up$1,000.000.8500.85390 Days Dividends
24 Month$1,000.00 to $9,999.99$1,000.000.9500.95390 Days Dividends
24 Month$10,000.00 to $24,999.99$1,000.001.0001.00490 Days Dividends
24 Month$25,000.00 to $49,999.99$1,000.001.0501.05490 Days Dividends
24 Month$50,000.00 to $99,999.99$1,000.001.1001.10590 Days Dividends
24 Month$100,000.00 and up$1,000.001.1501.15590 Days Dividends
24 Month, Non-Compounding$1,000.00 to $9,999.99$10,000.00n/an/a180 Days Dividends
24 Month, Non-Compounding$10,000.00 to $24,999.99$10,000.001.0001.005180 Days Dividends
24 Month, Non-Compounding$25,000.00 to $49,999.99$10,000.001.0501.055180 Days Dividends
24 Month, Non-Compounding$50,000.00 to $99,999.99$10,000.001.1001.106180 Days Dividends
24 Month, Non-Compounding$100,000.00 and up$10,000.001.1501.156180 Days Dividends
36 Month$1,000.00 to $9,999.99$1,000.001.2001.205180 Days Dividends
36 Month$10,000.00 to $24,999.99$1,000.001.2501.256180 Days Dividends
36 Month$25,000.00 to $49,999.99$1,000.001.3001.306180 Days Dividends
36 Month$50,000.00 to $99,999.99$1,000.001.3501.357180 Days Dividends
36 Month$100,000.00 and up$1,000.001.4001.407180 Days Dividends
36 Month, Bump-Up$1,000.00 to $9,999.99$1,000.000.9500.953180 Days Dividends
36 Month, Bump-Up$10,000.00 to $24,999.99$1,000.001.0001.004180 Days Dividends
36 Month, Bump-Up$25,000.00 to $49,999.99$1,000.001.0501.054180 Days Dividends
36 Month, Bump-Up$50,000.00 to $99,999.99$1,000.001.1001.105180 Days Dividends
36 Month, Bump-Up$100,000.00 and up$1,000.001.1501.155180 Days Dividends
60 Month$1,000.00 to $9,999.99$1,000.001.8001.812180 Days Dividends
60 Month$10,000.00 to $24,999.99$1,000.001.9001.914180 Days Dividends
60 Month$25,000.00 to $49,999.99$1,000.002.0002.015180 Days Dividends
60 Month$50,000.00 to $99,999.99$1,000.002.1002.117180 Days Dividends
60 Month$100,000.00 and up$1,000.002.1502.167180 Days Dividends

Effective 03/01/2015 Rates Subject to Change. Penalty for early withdrawal.

IRA Certificates

TermTierMinimum to Open & Earn DividendsRateAPYEarly Withdrawal Penalty
24 Month Traditional IRA Certificate$1,000.00 to $9,999.99$1,000.000.9000.903180 Days Dividends
24 Month Traditional IRA Certificate$10,000.00 to $24,999.99$1,000.000.9500.953180 Days Dividends
24 Month Traditional IRA Certificate$25,000.00 to $49,999.99$1,000.001.0001.004180 Days Dividends
24 Month Traditional IRA Certificate$50,000.00 to $99,999.99$1,000.001.1001.105180 Days Dividends
24 Month Traditional IRA Certificate$100,000.00 and up$1,000.001.1501.155180 Days Dividends
36 Month Traditional IRA Certificate$1,000.00 to $9,999.99$1,000.001.1501.155180 Days Dividends
36 Month Traditional IRA Certificate$10,000.00 to $24,999.99$1,000.001.2001.205180 Days Dividends
36 Month Traditional IRA Certificate$25,000.00 to $49,999.99$1,000.001.2501.256180 Days Dividends
36 Month Traditional IRA Certificate$50,000.00 to $99,999.99$1,000.001.3501.357180 Days Dividends
36 Month Traditional IRA Certificate$100,000.00 and up$1,000.001.4001.407180 Days Dividends
24 Month Roth IRA Certificate$1,000.00 to $9,999.99$1,000.000.9000.903180 Days Dividends
24 Month Roth IRA Certificate$10,000.00 to $24,999.99$1,000.000.9500.953180 Days Dividends
24 Month Roth IRA Certificate$25,000.00 to $49,999.99$1,000.001.0001.004180 Days Dividends
24 Month Roth IRA Certificate$50,000.00 to $99,999.99$1,000.001.1001.105180 Days Dividends
24 Month Roth IRA Certificate$100,000.00 and up$1,000.001.1501.155180 Days Dividends
36 Month Roth IRA Certificate$1,000.00 to $9,999.99$1,000.001.1501.155180 Days Dividends
36 Month Roth IRA Certificate$10,000.00 to $24,999.99$1,000.001.2001.205180 Days Dividends
36 Month Roth IRA Certificate$25,000.00 to $49,999.99$1,000.001.2501.256180 Days Dividends
36 Month Roth IRA Certificate$50,000.00 to $99,999.99$1,000.001.3501.357180 Days Dividends
36 Month Roth IRA Certificate$100,000.00 and up$1,000.001.4001.407180 Days Dividends

Effective 03/01/2015 Rates Subject to Change. Penalty for early withdrawal.

Savings

LengthShare TypeDividend RateAPY %
Share Acct010.100.10
Christmas Club Acct020.2500.250
Special Savings Acct100.100.10
Non Dividend Acct990.000.00
Share Draft Account080.000.00
Money Market

$2,500 - 24,999

400.3000.300
Money Market

$25,000 - $49,999

400.5000.500
Money Market

$50,000 - $99,999

400.7000.700
Money Market

$100,000 & UP

400.8000.800
IRA800.6000.601
SEP830.6000.601
Regular Roth IRA850.6000.600
Converted Roth IRA870.6000.600
Educational IRA890.6000.600
Health Savings Account090.2500.250

Other Accounts 04/01/15

Christmas Club 01/01/13

Money Market 03/01/15

IRA Accounts 04/01/13

IRA Certificates 03/01/2015

Rates Subject to Change

Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date.

Amount of Penalty: For all accounts, the amount of the early withdrawal penalty for your accounts is 90 days dividends or 180 days dividends for each year remaining.

How the Penalty Works: The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

Exceptions to Early Withdrawal Penalties: At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:

1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.

2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is a Keogh Plan (Keogh) provided that the depositor forfeits an amount of at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 59 1/2 or becomes disabled.

Renewal Policy: The renewal policy for your accounts is indicated on the reverse side. For all accounts, your account will automatically renew for another term upon maturity. For all accounts, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.

Nontransferable/Nonnegotiable: Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.

The rates and fees appearing in the above schedule are accurate and effective for accounts as of the Effective Date indicated on this Rate and Fee Schedule. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

Truth-In-Savings Account Disclosures

Except as specifically described, the following disclosures apply to all the accounts. All accounts described in this Rate & Fee Schedule are share accounts.

1. Rate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

3. Dividends Compounding and Crediting. The compounding and crediting of dividends applicable to each account is set forth in the Rate Schedule. The Dividend Period begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period. For Non Compounding (2 year) accounts, dividends will be transferred to a Share or Share Draft account.

4. Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For all accounts, dividends are calculated by the Daily Balance method which applies a daily periodic rate to the principal in the account each day.

5. Accrual of Dividends. For all accounts, dividends will begin to accrue on non cash deposits (e.g. checks) on the business day you make the deposit to your account. For all accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.

6. Transaction Limitations. After your account is opened, your ability to make additional deposits to your account or withdrawals of dividends and any limitations on such transactions are set forth in the Rate Schedule.

7. Maturity. Your account will mature as indicated on this Rate and Fee Schedule or on your Account Receipt or Renewal Notice.