Products and Rates

Rates as of June 21, 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. 

Loan Rates

The following rates are for new loans only.

Type Description APR
New Cars 1-36 Months 1.99%
37-48 Months 2.40%
49-60 Months 2.40%
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 NADA value 2006 - older 90% NADA
Used Boats/R.V./Motorcycles Same as Used Cars
Signature Loans
$500 - $4,000
$4,001 - $13,000

1 - 24 Months
25 - 48 Months
8.50%
Signature Line of Credit
Max $5000/$50 monthly payments
8.90%
Debt Consolidation Loan 1-48 Months
$7,500 (Maximum).  Checks payable to creditors.
15%
Guarantor Loan 1-36 Months
$5,000 Maximum
18%
Overdraft Protection Line of Credit $500 15%
Shared-Secured Loans 1-60 Months 1.9%
Home Equity Line of Credit
  • Loan minimum $5,000
  • Loan maximum $50,000
  • 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%
  • Maximum rate 15%
  • Loan to value ratio 80%
  • 15-year plan
  • 7-year draw/8-year repayment
  • Interest payments first 7 years
  • $25 annual fee
  • Closing costs $100-$300 
4.25%
Home Equity Fixed Rate (closed end) 60 Months 4.75%
120 Months 5%
180 Months 5.25%


Your savings is federally insured to at least 250,000 and basecked by the full faith and credit of the United States government.
National Credit Union Administration (NCUA)