accounts 
certificates
loans
mortgages
Account Rates
As of January 1, 2012
Type of Account |
APR |
APY |
Individual Retirement Account (IRA) |
1.10% |
1.11% |
Share Draft (Checking) |
0.25% |
0.25% |
Accumulation (tiered
rate)
2,500 - 9,999
10,000 - 24,999
25,000 - 49,999
50,000 and over |
0.40%
0.45%
0.50%
0.55%
|
0.40%
0.45%
0.50%
0.55%
|
Christmas Club |
0.25% |
0.25% |
Shares (tiered
rate)
100 - 4,999
5,000 - 14,999
15,000 and over |
0.25%
0.35%
0.45%
|
0.25%
0.35%
0.45%
|
Certificate Rates
As of September 12, 2011
Term of Certificate |
APR |
APY |
91 Day |
0.40% |
0.40% |
6 Month |
0.55% |
0.55% |
12 Month |
0.75% |
0.75% |
12 Month Wealth Builder |
0.75% |
0.75% |
18 Month |
0.85% |
0.85% |
24 Month |
1.00% |
1.00% |
APR=Annual Percentage Rate
APY=Annual Percentage Yield
Rates subject to change at any time.
Unsecured Loans
As of January 1, 2012
Type of Loan |
Description
|
APR |
Signature Loan |
Up to 60 Months |
6.50%
18.00% |
Line of Credit Overdraft Protection |
|
16.00% |
Visa Credit Card |
No Annual Fee |
8.99%
11.99% |
Vehicle Loans
(includes Boats, Motorcycles, Trailers)
As of February 1, 2012
Model Year |
Terms
|
APR |
2012 - 2011 - 2010
|
Up to 72 Months
|
3.50% 6.99% |
|
2008-2012
|
Up to 60 Months
|
3.25% 16.00%
|
|
2008-2012
|
Up to 48 Months
|
2.95% 16.00%
|
|
2008-2012
|
Up to 36 Months
|
2.75% 16.00%
|
|
2007 2006
|
Up to 54 Months
|
4.75% 16.00% |
|
2005 2004
|
Up to 48 Months
|
4.75% 16.00% |
|
2003 2001
|
Up to 48 Months
|
5.99% 16.00% |
|
2000 and Older
|
Up to 36 Months
|
6.99% 16.00% |
|
Travel Trailer (titled)Loan >10,000 *
|
Up to 120 Months
|
6.25% 9.00% |
|
Travel Trailer (titled)Loan >30,000 *
|
Up to 180 Months
|
6.50% 10.00% |
*Beacon score must be at least a A, B, or C rating
to receive a 72, 84 or 120 month loan.
Other Secured Loans
(includes 4-Wheelers, Tractors, Lawnmowers,
Furniture, Appliances (non-titled)
As of January 1, 2012
Description |
Terms |
APR |
New Purchase |
Up to 60 Months |
4.99% 16.00% |
Used Purchase |
Up to 60 Months |
5.50% 18.00% |
Share Secured |
|
4.00% |
Certificate Secured |
|
5.00% |
APR=Annual Percentage Rate
All rates and terms are subject to change without notice and will vary depending on individual creditworthiness and the Credit Unions underwriting standards.
All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Term notes may be made at 2% above the existing certificate. Maturity of the loan will be the same as the certificate maturity.
Share term notes may not exceed 1 year.
In-House Mortgage Rates
As of January 1, 2012
Type of Mortgage |
APR |
|
Fixed-Rate Mortgages:
1st Mortgage - 15 Years
|
5.00%
|
|
Balloon 1st Mortgages:
5 Year Balloon -
10 Year Balloon -
|
4.75%
5.00%
|
|
Variable Mortgages:
Variable 1st Mortgage -
Variable 2nd Mortgage -
(Home Equity Prime LOC)
|
4.25% APR
4.25% APR
|
Land Only (80% - 15 Years) |
6.99% |
Single Wide with Land |
8.50% |
Mobile Home without Land |
9.50% |
|
Home Equity Fixed Rate Loans:
2nd Mortgage -
60 Months
84 Months
120
Months
180
Months
|
4.75%
5.50%
5.75%
6.00%
|
Terms for 1st and 2nd Mortgages 10 or 15 Years.
Amortization for Balloon Mortgages up to 20 Years.
APR=Annual Percentage Rate
Rates and Terms are subject to change at any time without notice.
Call credit union at 1-800-338-4609 for credit cost and terms.
|
