Products & Rates

Rates as of March 15, 2017

All Rates Subject To Change


Share Rates

Dividends are calculated quarterly. 

Type Rate APY
Savings ($25 Minimum) .01% .01%
Christmas Club ($5 Minimum) .01% .01%
  Term APY
Share Certificates ($500 Minimum) 6-Month .05%
12-Month .10%

APY is the Annual Percentage Yield.  Rate may change quarterly. 

NCUA



Loan Rates

The following rates are for NEW loans only.

Type Description APR
New Cars 1-36 Months 1.99%
37-48 Months 2.35%
49-60 Months 2.35%
61-72 Months 3.49%
New Boats/R.V./Motorcycles Same as New Cars
Used Cars 2017 - older
1-72 Months Same as New Cars
Used Car values
2017 - 2007 100% NADA
     Minimum $5,000.00 NADA value 2006 - older 90% NADA
Used Boats/R.V./Motorcycles Same as Used Cars
Signature Loans
$500.00 - $4,000.00
$4,001.00 - $13,000.00

1 - 24 Months
25 - 48 Months
8.50%
Signature Line of Credit
Max $5000/$50.00 monthly payments
8.90%
Debt Consolidation Loan 1-48 Months
$7,500.00 (Maximum).  Checks payable to creditors.
15.00%
Guarantor Loan 1-36 Months
$5,000.00 Maximum
18.00%
Overdraft Protection Line of Credit $500 15.00%
Shared-Secured Loans 1-60 Months 1.90%
Home Equity Line of Credit
  • Loan minimum $5,000.00
  • Loan maximum $50,000.00
  • Rate tied to prime rate
  • Prime rate is determined by Money Section of the Wall Street Journal
  • Rate can change semi-annaully
  • Minimum rate 4.00%
  • Maximum rate 15.00%
  • Loan to value ratio 80%
  • 15-year plan
  • 7-year draw/8-year repayment
  • Interest payments first 7 years
  • $25.00 annual fee
  • Closing costs $100 - $300 
4.00%
Home Equity Fixed Rate (closed end) 60 Months 4.75%
120 Months 5.00%
180 Months 5.25%

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