Checking Rates

Basic Checking
BalanceMinimum Required Opening DepositDividend RateAPY
$0$00.00%0.00%
Loyalty Choice Rewards Checking
BalanceMinimum Required Opening DepositDividend RateAPY
$0 - $9.99$00.00%0.00%
If all qualifying criteria are met.
$10 - $10,000$00.15% - 0.60%0.150% - 601%
If 1-4 qualifying criteria are met.
All balances if no qualifying criteria are met$00.00%0.00%
Qualifying Criteria Dividend RateAPY
On average daily Loyalty Choice Rewards balance
1 Criteria Met0.15%0.150%
2 Criteria Met0.30%0.300%
3 Criteria Met0.45%0.451%
4 Criteria Met0.60%0.601%

Effective 8/1/2023. Subject to change. Fees may reduce earnings. TIS Disclosures can be found here.

Secured Loan Rates

Loan TypeTermsAPR*Monthly Payment per $1000 borrowed - Maximum Term
New & Used Autos and Motorcycles1Up to 84 Months35.99% to 18.00%2$14.61 - $21.03
New & Used Recreation Vehicle Loans4
ATV's, Snowmobiles, Boats, Campers, RVs, Commercial Equipment
Up to 180 Months36.95% to 18.00%2$8.97 - $16.12

1 Up to 125% financing on new autos for qualified members and up to 125% financing of the NADA Clean retail value on used autos for qualified borrowers.

2 Rates are determined based on the creditworthiness of the applicant. Effective 11/27/2023

3 Terms are determined based on the creditworthiness of the applicant and by the loan amount.

4 Up to 125% financing on new for qualified members and up to 125% financing of the NADA Clean retail value on used for qualified borrowers.

5 Commercial Equipment Rates = 3% higher.

 

Unsecured Loan Rates

Loan TypeTermsAPR* As Low AsMonthly Payment per $1000 borrowed - Maximum Term
Unsecured LoanUp to 60 Months310.70% to 17.95%2$21.60 - $25.37

Payment Example: $2,000 at 10.70% for 24 months equals $92.95.

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

3 Terms are determined based on the creditworthiness of the applicant and by the loan amount.

Loan TypeMinimum PaymentAPR* As Low As
Line of Credit 3% or $50 minimum, whichever is higher 13.50%

*APR = Annual Percentage Rate

Repayment terms of 3% of outstanding balance or $50, whichever is greater.

Share Rates

Length Share Type Dividend RateAPY
Regular Shares10.05%0.05%
Christmas Club20.15%0.15%
Special Savings100.05%0.05%
Share Draft750.00%0.00%
Non Dividend Acct 990.00%0.00%
Traditional IRA800.35%0.351%
Educational IRA 890.35%0.351%
Roth IRA 850.35%0.351%
Health Savings Account 90.25%0.25%
Money Market
$10 - $2,499
400.05%0.05%
Money Market
$2,500 - 24,999
400.30%0.300%
Money Market
$25,000 - $49,999
400.35%0.351%
Money Market
$50,000 - $99,999
400.40%0.401%
Money Market
$100,000 & UP
400.45%0.451%

Share Rate effective date: 11/01/2022

Rates Subject to Change. TIS Disclosures can be found here.

TermTierMinimum to Open & Earn DividendsDividend RateAPYEarly Withdrawal Penalty
6 Month$1,000.00 to $9,999.99$1,000.00 4.00%4.040%90 Days Dividends
6 Month$10,000.00 to $24,999.99$1,000.00 4.00%4.040%90 Days Dividends
6 Month$25,000.00 to $49,999.99$1,000.00 4.00%4.040%90 Days Dividends
6 Month$50,000.00 to $99,999.99$1,000.00 4.10%4.142%90 Days Dividends
6 Month$100,000.00 and up$1,000.00 4.20%4.244%90 Days Dividends
12 Month $1,000.00 to $9,999.99$1,000.00 4.25%4.334%90 Days Dividends
12 Month $10,000.00 to $24,999.99$1,000.00 4.25%4.334%90 Days Dividends
12 Month $25,000.00 to $49,999.99$1,000.00 4.25%4.334%90 Days Dividends
12 Month $50,000.00 to $99,999.99$1,000.00 4.35%4.438%90 Days Dividends
12 Month$100,000.00 and up$1,000.00 4.45%4.524%90 Days Dividends
24 Month$1,000.00 to $9,999.99$1,000.00 4.50%4.594%180 Days Dividends
24 Month$10,000.00 to $24,999.99$1,000.00 4.50%4.594%180 Days Dividends
24 Month$25,000.00 to $49,999.99$1,000.00 4.50%4.594%180 Days Dividends
24 Month$50,000.00 to $99,999.99$1,000.00 4.60%4.698%180 Days Dividends
24 Month$100,000.00 and up$1,000.00 4.70%4.803%180 Days Dividends
36 Month$1,000.00 to $9,999.99$1,000.00 4.75%4.855%180 Days Dividends
36 Month$10,000.00 to $24,999.99$1,000.00 4.75%4.855%180 Days Dividends
36 Month$25,000.00 to $49,999.99$1,000.00 4.75%4.855%180 Days Dividends
36 Month$50,000.00 to $99,999.99$1,000.00 4.85%4.959%180 Days Dividends
36 Month$100,000.00 and up$1,000.00 4.95%5.064%180 Days Dividends
60 Month$1,000.00 to $9,999.99$1,000.00 5.00%5.116%180 Days Dividends
60 Month$10,000.00 to $24,999.99$1,000.00 5.00%5.116%180 Days Dividends
60 Month$25,000.00 to $49,999.99$1,000.00 5.00%5.116%180 Days Dividends
60 Month$50,000.00 to $99,999.99$1,000.00 5.10%5.221%180 Days Dividends
60 Month$100,000.00 and up $1,000.00 5.20%5.326%180 Days Dividends

Effective 9/18/2023. Rates Subject to Change. Penalty for early withdrawal.

TIS Disclosures can be found here.

TermTierMinimum to Open & Earn DividendsDividend RateAPYEarly Withdrawal Penalty
24 Month Traditional IRA Certificate $1,000.00 to $9,999.99 $1,000.00 4.50%4.594%180 Days Dividends
24 Month Traditional IRA Certificate $10,000.00 to $24,999.99 $1,000.00 4.50%4.594%180 Days Dividends
24 Month Traditional IRA Certificate $25,000.00 to $49,999.99 $1,000.00 4.50%4.594%180 Days Dividends
24 Month Traditional IRA Certificate $50,000.00 to $99,999.99 $1,000.00 4.60%4.698%180 Days Dividends
24 Month Traditional IRA Certificate $100,000.00 and up$1,000.00 4.70%4.803%180 Days Dividends
36 Month Traditional IRA Certificate $1,000.00 to $9,999.99$1,000.00 4.75%4.885%180 Days Dividends
36 Month Traditional IRA Certificate $10,000.00 to $24,999.99$1,000.00 4.75%4.885%180 Days Dividends
36 Month Traditional IRA Certificate $25,000.00 to $49,999.99$1,000.00 4.75%4.885%180 Days Dividends
36 Month Traditional IRA Certificate $50,000.00 to $99,999.99$1,000.00 4.85%4.959%180 Days Dividends
36 Month Traditional IRA Certificate $100,000.00 and up$1,000.00 4.95%5.064%180 Days Dividends
24 Month Roth IRA Certificate $1,000.00 to $9,999.99$1,000.00 4.50%4.594%180 Days Dividends
24 Month Roth IRA Certificate $10,000.00 to $24,999.99$1,000.00 4.50%4.594%180 Days Dividends
24 Month Roth IRA Certificate $25,000.00 to $49,999.99$1,000.00 4.50%4.594%180 Days Dividends
24 Month Roth IRA Certificate $50,000.00 to $99,999.99$1,000.00 4.60%4.698%180 Days Dividends
24 Month Roth IRA Certificate $100,000.00 and up$1,000.00 4.70%4.803%180 Days Dividends
36 Month Roth IRA Certificate $1,000.00 to $9,999.99$1,000.00 4.75%4.855%180 Days Dividends
36 Month Roth IRA Certificate $10,000.00 to $24,999.99$1,000.00 4.75%4.855%180 Days Dividends
36 Month Roth IRA Certificate $25,000.00 to $49,999.99$1,000.00 4.75%4.855%180 Days Dividends
36 Month Roth IRA Certificate $50,000.00 to $99,999.99$1,000.00 4.85%4.959%180 Days Dividends
36 Month Roth IRA Certificate $100,000.00 and up$1,000.00 4.95%5.064%180 Days Dividends

Effective 9/18/2023. Rates Subject to Change. Penalty for early withdrawal. TIS Disclosures can be found here.

IRAS

Contact us for more information about Individual Retirement Accounts and how to apply today!

IRAS

Contact us for more information about Individual Retirement Accounts and how to apply today!

Savings Terms and Conditions

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.