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NCUA

Accounts federally insured up to $250,000 by the NCUA, an agency of the U.S. Government.

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Rates

New Car Loans 2015-2017 and Share Loans (100%)
Term APR
1-48 Months 1.95%
49-60 Months 2.95%
61-72 Months 3.95%

Used Car Loans
Year Term APR
2014 and 2015 (less than 10K miles) 1-60 Months 2.95%
2012-2015 (or over 10K miles) 1-60 Months 3.95%
2006-2011 1-48 Months 4.95%

 

Recreational
Type Term APR
New Rec. Vehicles and Motor Homes 72 Months 5.95%
New Rec. Vehicles and Motor Homes 120 Months 6.90%
Used Rec. Vehicles and Motor Homes (2015-2011) 120 Months 7.00%
Used Rec. Vehicles and Motor Homes (2010-NADA) 120 Months 7.25%
Personal Watercraft - Snowmobiles 60 Months 6.90%
Motorcycles (less than $15,000) 60 Months 5.25%
Motorcycles (more than $15,000) 84 Months 5.50%
New Travel Trailers and Campers 60 Months 6.90%
Used Travel Trailers and Campers 60 Months 7.00%

Boats
Type Term APR
New Boats 72 Months 5.50%
New Boats over $15M 120 Months 6.00%
Used Boats 120 Months 6.90%
10% down payment required if over $15M at 90% of appraised value on used boats.

Other
Type Term APR
Home Imp. 100% secured, no write-up 60 Months 9.50%
Home Imp. Over $1,000 with write-up 60 Months 9.50%
Personal or Signature 120 Months 12.00%
Revolving Credit Plans per plan 12.00%
Visa and O/D Line of Credit Plans per plan 15.00%
Power Saver (Energy related) 60 Months 7.90%
Computer/Technology Loans up to $5,000 60 Months 7.90%

Mobile Home Loans Fixed Rate
Features Payments will be calculated over 180 months with the balance coming due in 84 months, which may be refinanced (at a new calculated rate) or paid off at that time.
Rate Calculations Based on an index of the latest four week average of the six month treasury bill rate (auction average). We then add 4.50% APR to that index and round to the next quarter percent.
Note Floor rate is 8.00% APR and ceiling is 15.00% APR
Current Rate Rate changes weekly, contact Credit Union for current rate.

Home Equity Loan Variable Rate
Rate Calculations Based on an index of the monthly average of the six month treasury bill rate (auction average) as of the date of any annual percentage rate adjustment. We then add 3.50% to that index and round to the next quarter percent. Thereafter, the interest rate will be adjusted on the first day of each quarter and will not effect the payment amount.
Note Floor rate is 6.25% APR and ceiling is 18.00% APR
Current Rate 6.25% APR

Home Equity Loan Fixed Rate
Rate Calculations Rate determine by the Board of Directors.
Note Repayment shall not exceed 180 months in duration.
Current Rate 8.50% APR

Loans for Property
Term APR
120 Months 11.00%

Share Savings
Minimum Balance for APY APR APY*
$100 0.05% 0.05%
$10,000 0.07% 0.07%
$10 minimum deposit required to open account.

High Earning Account
Minimum Balance for APY APR APY*
$15,000 0.10% 0.10%
$15,000 minimum deposit required to open account.

Individual Retirement Accounts
Minimum Balance for APY APR APY*
$100 0.05% 0.05%
$10,000 0.07% 0.07%
$15,000 0.10% 0.10%
No minimum deposit required to open account.

APR is Annual Percentage Rate
*Annual Percentage Yield designated as APY.
Fees may reduce earnings on accounts.

 

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