house

We do business in accordance with the
Federal Fair Housing Law and the Equal Credit Opportunity Act.

 

ncua Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

 

Rates

Rates effective as of , 2015


Term Share Certificates

Description

Compounded

DR

APY

90 Day*

N/A

0.25%

0.25%

$500 Minimum. Loss of dividend penalty for early withdrawal.

6 Month*

N/A

0.30%

0.30%

$500 Minimum. One withdrawal with no penalty - all subsequent withdrawals incur a 90 day dividend penalty.

6 Month*

N/A

0.35%

0.35%

$500 Minimum. Early withdrawal penalty = 90 days dividend, earned or not.

12 Month*

Quarterly

0.50%

0.51%

$1,200 Minimum. Early withdrawal penalty = 90 days dividend earned or not.

18 Month*

Quarterly

0.55%

0.56%

$1,800 Minimum. Early withdrawal penalty = 90 days dividend earned or not.

24 Month*

Quarterly

0.60%

0.61%

$2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.

30 Month*

Quarterly

0.70%

0.71%

$2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.

36 Month*

Quarterly

0.80%

0.81%

$2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.


*PENALTY FOR EARLY WITHDRAWAL. RATES AND YIELDS ARE SUBJECT TO CHANGE. PLEASE CALL OR COME BY FOR THE LATEST RATE AND YIELD INFORMATION.

Rates are subject to change.
DR=Dividend Rate. APY=Annual Percentage Yield.



Share Account

Description

Compounded

DR

APY

Regular Share

Quarterly

0.20%

0.20%

Share Draft

Quarterly

0.10%

0.10%

Christmas Club

Quarterly

0.25%

0.25%

Accumulative IRA

Quarterly

0.35%

0.35%

Rates and yields may change after the account is open.
The APY is based on last quarter dividends paid - January 1, 2015.


Rates are subject to change.
DR=Dividend Rate. APY=Annual Percentage Yield.

APR=Annual Percentage Rate. APY=Annual Percentage Yield.

Loan Rates


Description

Term

Rate

Share Secured

Up to 60 mos.
over 60 mos.

Fixed
Adjustable

2.00% Above
Share Rate

Secured by the Share Account.

Certificate Secured

Must be paid or refinanced at maturity.

Fixed

2.00% Above
Cert. Rate

Secured by the Term Share Certificate.

Signature Loans

Up to 48 mos.

Base

8.00%

The rate show is the lowest available rate. Your rate may be higher depending on your credit score.

Pop Loan Line of Credit

48 mos.

Fixed

13.00%

New Cars, Trucks, Vans
(Never titled-less than 15,000 miles)

Up to 72 mos.
Up to 60 mos.
Up to 48 mos.

Base
Base
Base

2.99%
2.49%
1.99%

The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.

Used Cars, Trucks, Vans
(Has been titled or over 15,000 miles)
Over 5 years old -

Up to 60 mos.
Up to 48 mos.

36 mos.

Base
Base

Base

2.99%
1.99%

3.99%

Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old
Up to 48 months - over $10,000 or less than 5 years old
Up to 36 months - over 5 years old.
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.

New Campers, Camper Trailers, Piggyback Camper Units, Motor Homes

Up to 60 mos.
Up to 48 mos.

Base
Base

6.25%
6.00%

NADA Average Retail or Purchase Price (whichever is less).
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.

Used Campers, Camper Trailers, Piggyback Camper Units, Motor Homes

Up to 48 mos.

Base

6.75%

NADA Average Retail or Purchase Price (whichever is less).
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.

New Motorcycles, Watercraft, Other Rec. Vehicles

Up to 60 mos.
Up to 48 mos.

Base
Base

6.75%
6.50%

NADA Average Retail or Purchase Price (whichever is less).
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.

Used Motorcycles, Watercraft, Other Rec. Vehicles

Up to 48 mos.
Up to 36 mos.

Base
Base

7.25%
7.00%

NADA Average Retail or Purchase Price (whichever is less).
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.

New Farm and Yard Equipment

Up to 36 mos.

Base

7.25%

NADA Average Retail or Purchase Price (whichever is less).
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.

Used Farm and Yard Equipment

Up to 36 mos.

Base

7.75%

NADA Average Retail or Purchase Price (whichever is less).
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.

New Major Appliances and Personal Computers

Up to 36 mos.

Base

8.25%

Purchase Price Plus Sales Tax.
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.

First Mortgage

Up to 20 yrs.
Up to 15 yrs.
Up to 8 yrs.

Base
Base
Base

3.75%
3.25%
2.75%

Appraised Value or Purchase Price (whichever is less).
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.

Unimproved Property

Up to 10 yrs.
Up to 8 yrs.
Up to 5 yrs.

3.75%
3.50%
3.25%

Appraised Value or Purchase Price (whichever is less).
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.

Home Equity

Up to 15 yrs.

Variable

4.00%

11th District COF + 3.00%.
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.


APR=Annual Percentage Rate.
Rates subject to change.


Safe Deposit Box Fees

Description

Size

Fee

Safe Deposit Box

3 x 5

$20

3 x 10

$33

5 x 10

$55

10 x 10

$90

This fees listed above are annual fees.