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Rates
*Interest rates shown are those available as of the Effective Date, and are subject to change at any time.
Deposit Rates
| Deposit Rates | |||
| Effective Date: Saturday, July 4th, 2020 | |||
| Deposit Account | APR* | APY* | Minimum Opening Deposit |
| Share Accounts (Savings -00, -09) |
0.15% | 0.15% | $50.00 |
| Secondary Share Accounts (Savings -01, -03, -06) |
0.15% | 0.15% | $1.00 |
| Share Draft Accounts (Checking -12) |
0.15% | 0.15% | $100.00 |
| Money Market Accounts** | 0.30% | 0.30% | $1,000.00 |
| Certificate of Deposit (6 Months)*** |
0.30% | 0.30% | $500.00 |
| Certificate of Deposit (12 Months)*** |
1.00% | 1.00% | $500.00 |
| Certificate of Deposit (24 Months)*** |
1.25% | 1.25% | $500.00 |
| Certificate of Deposit (36 Months)*** |
1.50% | 1.50% | $500.00 |
| Individual Retirement Accounts (Traditional IRA) |
1.50% | 1.51% | $1.00 |
| Individual Retirement Accounts (Roth IRA) |
1.50% | 1.51% | $1.00 |
| Individual Retirement Accounts (Education IRA) |
1.50% | 1.51% | $1.00 |
| *Annual Percentage Rate, Annual Percentage Yield. ** Money Market Accounts must have a balance of $1000.00 or more to earn the extra interest rate. ***Certificate accounts have a 1% penalty for early withdrawal and have 10 days after the CD renews before a penalty. | |||
Loan Rates
| Loan Rates | ||
| Effective Date: Saturday, July 4th, 2020 | ||
| Loan Product | Loan-to-Value | APR* |
| Share Secured Loan | 100% | As low as 5.00% |
| New/Used Vehicle Loan(2020-2018) | 80% | As low as 2.99% |
| Used Vehicle Loan(2017-2015) | 80% | As low as 3.49% |
| Used Vehicle Loan(2014-2012) | 80% | As low as 4.49% |
| Used Vehicle Loan (2011-2009) | 80% | As low as 5.49% |
| Used Vehicle Loan(2008 and Older) | 80% | As low as 6.49% |
| Raw Land | 80% | As low as 7.00% |
| Raw Land | 90% | As low as 7.50% |
| Real Estate | 80% | As low as 5.00% |
| Real Estate | 90% | As low as 5.50% |
| Agriculture Loan (Annual) | 80% | As low as 6.50% |
| Agriculture Loan (Real Estate) | 80% | As low as 6.00% |
| Established Business Loan (> 5 years) | 80% | As low as 7.50% |
| New Business Loan (< 5 years) | 80% | As low as 8.50% |
| VISA Credit Card | As low as 6.90% | |
| Signature Loan | As low as 10.00% | |
| Overdraft Protection Loan | 16.00% | |
| *APR = Annual Percentage Rate * Your individual rate (APR) will be determined based on your credit score. (Subject to credit approval and other conditions). | ||
This Credit Union is federally-insured by the National Credit Union Administration.We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.