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Rates

All Rates

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Loan Products

New/Current Year (Under 15,000 Miles)
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 2.10% 2.10% 4.25% 7.15% 10.15% 12.90%
48 Months 2.20% 2.20% 4.30% 7.40% 10.40% 13.40%
60 Months 2.30% 2.30% 4.35% 7.60% 10.40% 13.90%
66 Months 2.40% 2.40% 4.35% 8.10% 11.15% n/a
72 Months 3.15% 3.15% 5.10% 8.35% 11.15% n/a
84 Months 4.40% 4.40% 6.90% 9.90% 13.40% n/a
All rates are displayed with the APR:  Annual Percentage Rate

Used: 1 & 2 Years
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 2.25% 2.25% 4.65% 7.50% 11.75% 14.25%
48 Months 2.35% 2.45% 4.80% 7.60% 12.00% 14.50%
60 Months 2.45% 2.65% 4.80% 7.85% 12.25% 14.75%
66 Months 2.65% 2.65% 5.15% 8.15% 12.50% 15.00%
72 Months 3.15% 3.40% 5.65% 8.85% 12.75% n/a
All rates are displayed with the APR:  Annual Percentage Rate

Used: 3 & 4 Years
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 3.20% 3.75% 5.10% 7.90% 12.50% 14.75%
48 Months 3.40% 4.15% 5.30% 8.10% 12.75% 15.00%
60 Months 3.80% 4.65% 5.85% 8.35% 13.00% 15.25%
66 Months 4.65% 5.15% 6.60% 9.40% 13.25% n/a
All rates are displayed with the APR:  Annual Percentage Rate

Used: 5 Years & Older
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 5.00% 5.20% 6.45% 8.45% 13.50% 14.75%
48 Months 5.25% 5.45% 6.95% 8.70% 13.75% 15.00%
60 Months 5.50% 5.70% 7.45% 8.95% 14.00% 15.25%
All rates are displayed with the APR:  Annual Percentage Rate

Other Collateral Loan Rates

New 1 & 2 Model Year
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Month 5.75% 5.75% 7.25% 10.25% 13.00% 14.75%
48 Month 5.85% 5.85% 7.35% 10.35% 13.10% 15.75%
60 Month 6.05% 6.05% 7.55% 10.65% 13.25% 16.75%
66 Month 6.05% 6.05% 7.55% 10.75% 13.25% n/a
72 Month 6.85% 6.85% 8.65% 11.35% n/a n/a
80 Month 8.00% 8.00% 9.50% 12.75% n/a n/a
All rates are displayed with the APR:  Annual Percentage Rate.

3 and Older Model Year
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Month 6.50% 6.50% 8.00% 11.00% 13.75% 14.75%
48 Month 6.60% 6.60% 8.10% 11.10% 13.85% 15.75%
60 Month 6.80% 6.80% 8.30% 11.40% 14.00% 16.75%
66 Month 6.80% 6.80% 8.30% 11.50% 14.00% n/a
72 Month 7.60% 7.60% 9.40% 12.10% n/a n/a
80 Month 8.75% 8.75% 10.25% 13.50% n/a n/a
All rates are displayed with the APR:  Annual Percentage Rate

Signature/Unsecured Loan Rates
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Month 9.00% 10.00% 12.00% 15.00% 17.00% 18.00%
48 Month 10.00% 11.00% 13.50% 16.50% 17.50% n/a
All rates are displayed with the APR:  Annual Percentage Rate

Share Secured Loan Rates
Effective Date: June 1, 2020
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
Dividend Rate + 3.00% (.25% rate reduction for payroll deduction or direct deposit still applies)
All rates are displayed with the APR:  Annual Percentage Rate. All loans subject to credit approval. Restrictions apply. Contact credit union for full details.

Competitive Rate Adjustments:  Secured Loans only - AVP and above authorization = down to 25bp below base rate.

Long Term Auto Loans
Long Term Auto Loans (Term of 66-months or Greater)
66-Month Term Minimum Loan amount must be equal to or greater that $12,000.00
For loan balances below $12,000 member must have 10% equity in Auto.
72-Month Term Minimum Loan amount must be equal to or greater that $15,000.00
For loan balances below $15,000 member must have 20% equity in Auto.
84-Month Term Minimum Loan amount must be equal to or greater that $30,000.00
For loan balances below $30,000 member must have 30% equity in Auto.

Credit Score Table
Credit Score GradeCredit Score Range
All loans subject to credit approval. Restrictions apply. Contact credit union for full details." and “Competitive Rate Adjustments: Secured Loans only - AVP and above authorization = down to 25bp below base rate.
A+ 720 and Up
A 685 - 719
B 655 - 684
C 620 - 654
D 585 - 619
E 584 or Less

Deposit Products

Dividend Rates
Effective Date: January 2016
Account TypeAPRAPYRequired Minimum Balance
IRA Account 0.75% 0.75% $100.00
Savings 0.15% 0.15% $100.00 - $2,499.00
Savings 0.65% 0.65% $2,500+
Wish Account 0.25% 0.30% $100.00
APR = Annual Percentage Rate
APY = Annual Percentage Yield

Certificates of Deposit
Effective Date: January 2016
Account TypeAPRAPYRequired Minimum Balance
6 month 0.45% 0.30% $500.00
12 month 0.50% 0.50% $500.00
18 month 0.55% 0.55% $500.00
24 month 0.80% 0.80% $500.00
36 month 0.80% 0.80% $500.00
48 month 0.80% 0.80% $500.00
APR = Annual Percentage Rate
APY = Annual Percentage Yield

Fee Schedule
ServiceFee
Account Activity Printout $1 per printout
Account Research $5 per hour; $20 minimum fee
Deposit Item Return $20 per return item
Dormant Account $5 per month
Fax (outgoing)… $2 per fax
Teller Check $2 per check
(charge waived on first check, any additional will be assessed the $2 per check fee)
Loan Application $20 per loan request
Teller Check Reversal $2 per reversal
Excessive Withdrawals $5 per withdrawal
(limit of 6 transactions withdrawals per quarter)
Share Wish Withdrawals $25 per withdrawal
(limit of 1 withdrawal per annual period)