Rates
All rates subject to change. Final rates are quoted at the credit union.
Deposit Accounts (Effective July 1, 2009)
For Regular Shares, Prime Shares and Share Draft Accounts:
Monthly dividends on the average daily balance of $100 or above.
Rates are set by the Board of Directors each month.
Share Certificates (Effective February 18, 2010)
Monthly dividends on the average daily balance.
90-day interest penalty for early withdrawal.
One-time Bump Rate certificate available for 3 or 5 year. $25,000 minimum. Call credit union for details.
APY* = Annual Percentage Yield
Deposit Accounts (Effective July 1, 2009)
| Type of Account | Minimum Balance | Dividend Rate | APY* |
| Regular Shares | $5.00 | 0.55% | 0.55% |
| Prime Shares | $100.00 | 1.25% | 1.26% |
| Share Draft (Checking) | $100.00 | 0.10% | 0.10% |
For Regular Shares, Prime Shares and Share Draft Accounts:
Monthly dividends on the average daily balance of $100 or above.
Rates are set by the Board of Directors each month.
Share Certificates (Effective February 18, 2010)
| Type of Account | Minimum Balance | Dividend Rate | APY* |
| 1 Year | $1000.00 | 1.35% | 1.36% |
| 2 Year | $1000.00 | 1.50% | 1.51% |
| 3 Year | $1000.00 | 2.40% | 2.43% |
| 5 Year | $1000.00 | 2.50% | 2.53% |
Monthly dividends on the average daily balance.
90-day interest penalty for early withdrawal.
One-time Bump Rate certificate available for 3 or 5 year. $25,000 minimum. Call credit union for details.
APY* = Annual Percentage Yield
Share Secured Loans
Unsecured Loans
Add 0.50% for each year above 36 months.
Vehicle Loans (New & Used)
All auto rates based on 100% of auto value.
Add 1.00% for 100%-110% financing.
Add 0.50% for each additional 6 months.
Add 1.00% for high mileage.
Add 2.00% for 110% plus financing.
Final vehicle rate determined by credit score, year of vehicle, mileage of vehicle and term of loan.
Call credit union for minimum rate allowed on all vehicle loans.
Late Charge:
If payment is more than 15 days late, you will be charged ten percent (10%) of the scheduled payment. Minimum of $10.00.
Collection Costs:
You promise to pay all cost of collection of the amount you owe under your loan ageement including court cost and reasonable attorney fees.
| Rate (APR*) | Maximum Term | Maximum Amount |
| 2.00% above Share Rate | 120 months | none |
Unsecured Loans
| Credit Score | Rate (APR*) | Term | Maximum Amount |
| Over 750 | 7.99% | 36 months | $25,000.00 |
| 650-749 | 9.49% | 36 months | $20,000.00 |
| 600-649 | 11.49% | 36 months | $7,500.00 |
| Less than 600 | 14.99% | 60 months | $5,000.00 |
Add 0.50% for each year above 36 months.
Vehicle Loans (New & Used)
| Credit Score | Rate (APR*) | Term | Minimum Rate |
| Over 750 | 5.99% | 60 months | 4.99% |
| 650-749 | 6.49% | 48 months | 5.99% |
| 600-649 | 6.99% | 36 months | 6.49% |
| Less than 600 | 7.99% | 36 months | 6.99% |
All auto rates based on 100% of auto value.
Add 1.00% for 100%-110% financing.
Add 0.50% for each additional 6 months.
Add 1.00% for high mileage.
Add 2.00% for 110% plus financing.
Final vehicle rate determined by credit score, year of vehicle, mileage of vehicle and term of loan.
Call credit union for minimum rate allowed on all vehicle loans.
Late Charge:
If payment is more than 15 days late, you will be charged ten percent (10%) of the scheduled payment. Minimum of $10.00.
Collection Costs:
You promise to pay all cost of collection of the amount you owe under your loan ageement including court cost and reasonable attorney fees.
For Mortgage, HomeEquity and Credit Card Rates please contact the credit union.