Rates


Share Rates

Consumer Account Rates

Account Type Balance To Earn APY APY** 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 $9,999.99 0.20% 0.20%
Money Market Checking $10,000.00 to $24,999.99 0.25% 0.25%
Money Market Checking $25,000.00 to $49,999.99 0.30% 0.30%
Money Market Checking $50,000.00 to $99,999.99 0.35% 0.35%
Money Market Checking $100,000.00 and over 0.50% 0.50%
Declared for April 1, 2019
Dividends for all above accounts are calculated daily and paid.
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)

Term Minimum Balance To Earn APY ($500 - Over) Penalty (In Days)
APY** Rate
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** 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 $10,000.00 to $24,999.99 0.25% 0.25%
Money Market Checking $25,000.00 to $49,999.99 0.30% 0.30%
Money Market Checking $50,000.00 to $99,999.99 0.35% 0.35%
Money Market Checking $100,000.00 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

Term Minimum Balance To Earn APY ($500 - Over) Penalty (In Days)
APY** Rate
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 2.30% 2.27% 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 April 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 October 17, 2018

Automobile

Type APR* Term
Current Model Year and Previous 2 Years As Low As 1.99% Up To 84 Months
Model Years 4-7 As Low As 2.24% Up To 72 Months
Greater Than 8 Model Years As Low As 4.24% Up To 60 Months

Loan Examples for Auto Loans APR* Monthly Payment
Current Model Year and Previous 2 Years
$30,000 for 60 months
2.64% $535.00
Model Years 4-7 $20,000
for 60 months
2.89% $359.00
Greater Than 8 Model Years $15,000
for 48 months
4.59% $343.00

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

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

Loan Examples for Recreational Vehicles APR* Monthly Payment
Current Model Year $10,000
for 60 months
5.99% $194.00
Model Years 4-7 $10,000
for 60 months
6.99% $198.00
Greater Than 8 Model Years
$10,000 for 60 months
8.99% $208.00

Personal

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

Loan Examples for Personal Loans APR* Monthly Payment
Personal Loan for $10,000 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 As Low As 4.99% Up to 120 Months
Green Energy Loans As Low As 5.99% Up to 84 Months

Loan Examples for Other APR* Monthly Payment
Business Equipment $15,000 for 60 months 5.99% $290.00
Green Energy Loan $10,000 for 72 months 7.99% $176.00