as of 1/1/2012
|
Auto and Motorcycle Loans
|
Term |
APR*
|
Pmt./$1,000 |
| New 2012 or newer |
up to 36 months |
2.99% |
$29.07
|
| New 2012 or newer |
60 months |
3.49% |
$18.18
|
| New 2012-$25k or higher |
72 months |
4.99% |
$16.10
|
| 2008 - 2012 ($15k or higher) |
up to 60 months |
3.49% |
$18.18
|
| 2008 - 2012 (less than $15k) |
up to 60 months |
4.49% |
$18.63
|
| 2004 - 2007 |
48 months |
4.49% |
$22.79
|
| 2002-2003 |
up to 48 months |
5.49% |
$23.25
|
|
New or Used Boats
|
37-60 months |
7.99% |
$24.41
|
| New or Used Boats |
36 months |
6.99% |
$30.87
|
*APR = Annual Percentage Rate listed is for "A" credit, other rates and terms available.
Rates reflect 0.25% reduction for electronic payments.
|
Home Equity Loans
|
APR* |
Pmt./$1,000 |
| Up to 36 months |
3.99% |
$29.51
|
| 60 months |
3.99% |
$18.41
|
| 84 months |
3.99% |
$13.66
|
| 120 months |
4.49% |
$10.36
|
*APR is for loans with a 80% Loan to Value or less and "A" credit. Other rates and terms are available.
Rates reflect 0.25% reduction for electronic payments.
Any way you crunch the numbers, a Personal Loan from your Credit Union balances into a great deal. You may qualify for a Personal Loan to be used for any purpose. The maximum amount the credit union finances without collateral is $10,000.
| Personal Loans |
Term |
APR* |
| Loan Size $500 to $700 |
Maximum 9 months |
9.15% |
| Loan Size $701 to $1,400 |
Maximum 24 months |
10.15% |
| Loan Size $1,401 to $4,000 |
Maximum 36 months |
11.15% |
| Loan Size $4,001 to $10,000 |
Maximum 48 months |
12.15% |
*APR = Annual Percentage Rate listed is for "A" credit, other rates and terms available. Rates reflect 0.25% reduction for electronic payments.
|
Certificates
Regular or IRA, $500 Minimum
|
Rate
|
APY*
|
|
3 Month Certificate
|
0.15%
|
0.15%
|
|
6 or 9 Month Certificate
|
0.25%
|
0.25%
|
|
12, 13 or 15 Month Certificate or IRA
|
0.45%
|
0.45%
|
|
18 Month Certificate or IRA
|
0.50%
|
0.50%
|
|
24 Month Certificate or IRA
|
0.60%
|
0.60%
|
|
36 Month Certificate or IRA
|
0.95%
|
0.95%
|
*APY = Annual Percentage Yield
|
Youth Certificates
$250 Minimum 
|
Rate
|
APY*
|
|
3 Month Certificate
|
0.15%
|
0.15%
|
|
6 Month Certificate
|
0.25%
|
0.25%
|
|
12 Month Certificate
|
0.45%
|
0.45%
|
|
18 Month Certificate
|
0.50%
|
0.50%
|
|
24 Month Certificate
|
0.60%
|
0.60%
|
|
36 Month Certificate
|
0.95%
|
0.95%
|
*APY = Annual Percentage Yield
|
Savings
|
Minimum Balance to Open
|
Minimum to Earn Dividends
|
Rate
|
APY*
|
|
Regular Share
|
$25
|
$100
|
0.05%
|
0.05%
|
|
Regular Share
|
$25
|
$50,000
|
0.10%
|
0.10%
|
|
Share Draft/Checking
|
$25
|
$5,000
|
0.05%
|
0.05%
|
|
Summer Vacation Club
|
$5
|
$5
|
0.15%
|
0.15%
|
|
Winter Vacation Club
|
$5
|
$5
|
0.15%
|
0.15%
|
|
Christmas Club
|
$5
|
$5
|
0.15%
|
0.15%
|
|
Secondary Savings
|
$5
|
$100
|
0.05%
|
0.05%
|
|
Escrow
|
$5
|
$5
|
0.26%
|
0.26%
|
|
IRA Variable Savings
|
$10
|
$10
|
0.15%
|
0.25%
|
*APY = Annual Percentage Yield
|
