Rates


Share Rates

Consumer Account Rates

Account Type Balance To Earn APY APY** Interest Rate
Membership Savings $0.00 to $99.99 0.00% 0.00%
Membership Savings $100.00 plus 0.15% 0.15%
Special Savings $100.00 plus 0.15% 0.15%
Holiday Club Account $20.00 plus 0.20% 0.20%
Regular Checking All 0.00% 0.00%
Health Savings Accounts See Money Market Rates
Money Market Checking $2,000.00 to $10,000.00 0.20% 0.20%
Money Market Checking $10,000.01 to $25,000.00 0.25% 0.25%
Money Market Checking $25,000.01 to $50,000.00 0.30% 0.30%
Money Market Checking $50,000.01 to $100,000.00 0.35% 0.35%
Money Market Checking $100,000.01 and over 0.50% 0.50%
Declared for August 1, 2019
Dividends for all above accounts are calculated daily and paid monthly.
Savings and Checking account dividends will be declared by the Board of Directors each month. Under-18 savings accounts will begin earning dividends at $0.01.
APY is accurate as of the last dividend declaration date.

Term Share Certificates (includes IRA)

Minimum Balance To Earn APY** ($500 - Over)
Term APY** Interest Rate Penalty (in Days)
3 Months 0.20% 0.20% 30 days
6 Months 0.30% 0.30% 90 days
12 Months 1.00% 0.99% 180 days
18 Months 1.13% 1.12% 180 days
24 Months 2.53% 2.50% 180 days
36 Months 2.40% 2.37% 180 days
48 Months 2.50% 2.47% 180 days
60 Months 3.00% 2.96% 180 days
Declared for June 13, 2019
Interest for Time Share Certificates is calculated daily and paid monthly.
Upon early withdrawal, certificates will carry a penalty of forfeiture of interest as indicated.
Penalty will never exceed the amount of interest actually earned.
Federally insured by NCUA.

Business Account Rates | Business Savings and Checking Account Rates | Business / Non-Profit

Account Type Balance To Earn APY APY** Interest Rate
Membership Savings $0.00 to $99.99 0.00% 0.00%
Membership Savings $100.00 plus 0.15% 0.15%
Secondary Savings $100.00 plus 0.15% 0.15%
Regular Checking All 0.00% 0.00%
Money Market Checking $10,000.01 to $25,000.00 0.25% 0.25%
Money Market Checking $25,000.01 to $50,000.00> 0.30% 0.30%
Money Market Checking $50,000.01 to $100,000.00 0.35% 0.35%
Money Market Checking $100,000.01 and over 0.50% 0.50%
Declared for April 1, 2019
Dividends for all above accounts are calculated daily and paid monthly.
Savings and Checking account dividends will be declared by the Board of Directors each month.
APY is accurate as of the last dividend declaration date.

Business Term Share Certificates

Minimum Balance To Earn APY ($500 - Over)
Term APY** Interest Rate Penalty (in Days)
3 Months 0.20% 0.20% 30 days
6 Months 0.30% 0.30% 90 days
12 Months 1.00% 0.99% 180 days
18 Months 1.13% 1.12% 180 days
24 Months 2.53% 2.50% 180 days
36 Months 2.40% 2.37% 180 days
48 Months 2.50% 2.47% 180 days
60 Months 3.00% 2.96% 180 days
Declared for August 1, 2019
Interest for Time Share Certificates is calculated daily and paid monthly.
Upon early withdrawal, certificates will carry a penalty of forfeiture of interest as indicated.
Penalty will never exceed the amount of interest actually earned.
Federally insured by NCUA.

Loan Rates - Declared as of August 1, 2019

Automobile

Type APR* Term
Current Model Year and Previous 2 Years 2.74% Up To 84 Months
Model Years 4-7 2.99% Up To 84 Months
Greater Than 8 Model Years 4.99% Up To 60 Months

Loan Examples for Auto Loans APR* Monthly Payment
Current Model Year and Previous 2 Years
$30,000.00 for 60 months
2.64% $535.00
Model Years 4-7 $20,000.00
for 60 months
2.89% $359.00
Greater Than 8 Model Years $15,000.00
for 48 months
4.59% $343.00

Recreational Vehicles: Campers, Trailers, RV’s, and Boats

Type APR* Term
Current Model Year 5.99% Up To 144 Months
Model Years 4-7 6.99% Up To 144 Months
Greater Than 8 Model Years 8.99% Up To 144 Months

Loan Examples for Recreational Vehicles APR* Monthly Payment
Current Model Year $10,000.00
for 60 months
5.99% $194.00
Model Years 4-7 $10,000.00
for 60 months
6.99% $198.00
Greater Than 8 Model Years
$10,000.00 for 60 months
8.99% $208.00

Personal

Type APR* Term
Personal Loan 8.99% Up To 36 Months
Personal Line of Credit 12.50% Up To 36 Months
Secured Line of Credit 10.00% Up To 36 Months

Loan Examples for Personal Loans APR* Monthly Payment
Personal Loan for $10,000.00 for 36 months 9.99% $323.00

Visa Credit Cards

Type APR* Term
Platinum 9.90% Fixed -
Secured 10.90% Fixed -
Classic 15.90% Fixed -

Real Estate

Due to the ever changing economy, please ask a loan officer for Real Estate loan products and rates.


Other

Type APR* Term
New / Used Business Equipment 4.99% Up to 120 Months
Green Energy Loans 5.99% Up to 84 Months

Loan Examples for Other APR* Monthly Payment
Business Equipment $15,000.00 for 60 months 5.99% $290.00
Green Energy Loan $10,000.00 for 72 months 7.99% $176.00