| SAVINGS RATES |
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| Account Type |
Rate |
APY* |
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| Regular Shares |
0.20% |
0.20% |
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| Clubs / Vacation |
0.20% |
0.20% |
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| IRA Shares |
1.00% |
1.00% |
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| Share Draft |
0.10% |
0.10% |
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| IRA Certificates |
1.25% |
1.25% |
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1 year - minimum deposit: $1,000.00 |
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| Regular Share Certificates (minimum deposit: $1,000.00) |
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12 months |
0.55% |
0.55% |
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| * |
APY is the Annual Percentage Yield |
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Dividend rates based on the last quarter |
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Rates subject to change without notice |
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| LOAN RATES |
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| New & Used Vehicles |
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| Maximum: list price of vehicle |
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Credit Score |
1 - 3 Years |
4 - 6 Years |
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A+ 730 & above |
3.99% APR |
4.49% APR |
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A 680 - 729 |
4.49% APR |
4.75% APR |
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B 679 - 640 |
5.49% APR |
6.00% APR |
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C 639 - 600 |
8.99% APR |
9.74% APR |
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D 599 - 560 |
11.00% APR |
12.00% APR |
(5 years) |
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E 559 & under |
13.00% APR |
14.00% APR |
(5 years) |
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USED: 5 years if value is $10,000.00 |
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NEW & 2 YEARS OLD: 6 years is value is $18,000.00 |
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| New & Used Recreational Vehicles |
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| Maximum: 90% |
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Credit Score |
24 Months |
36/48 Months |
60 Months |
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A+, A |
8.00% APR |
9.00% APR |
10.50% APR |
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B |
9.00% APR |
10.00% APR |
11.50% APR |
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C |
11.00% APR |
12.00% APR |
12.50% APR |
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D & E |
n/a |
n/a |
n/a |
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| RV Motor Homes |
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Credit Score |
1-6 Years |
7-10 Years |
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A+, A |
8.00% APR |
9.00% APR |
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B |
8.75% APR |
9.25% APR |
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C |
11.00% APR |
12.00% APR |
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D & E |
n/a |
n/a |
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| Unsecured Line of Credit & Closed End |
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A+ 730 & above |
3x monthly income up to $15,000.00 |
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A 680 - 729 |
3x monthly income up to $8,000.00 |
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B 679 - 640 |
3x monthly income up to $7,000.00 |
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C 639 - 600 |
2x monthly income up to $6,000.00 |
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D 599 - 560 |
1x monthly income up to $4,000.00 |
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E 559 & under |
1x monthly income up to $3,000.00 |
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| Rates - Open LOC & Closed Unsecured |
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A |
8.50% APR |
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B |
9.00% APR |
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C |
13.00% APR |
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D |
16.00% APR |
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E |
18.00% APR |
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| Debt Consolidation - 3 years |
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Maximum: $5,000.00 see unsecured rates |
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| Share Secured - 4.25% APR |
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| Other Acceptable Collateral |
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A & B |
8.00% APR |
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C, D & E |
10.00% APR |
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Maximum: 5 years |
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| Home Equity - Line of Credit |
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Maximum: $100,000.00 |
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Open end - 15 years |
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A & B: 90% of equity |
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C, D & E: 75% of equity |
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Variable rate semi-annually |
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Prime: +0% |
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Credit union to pay closing costs |
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| Home Equity - Closed - 10 Years |
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Maximum: $50,000.00 |
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Prime: +0.50% |
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Member pays fees |
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| Manufactured Homes |
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If on land owned by the borrower: Mortgage |
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Non-owned land: Mobile Home Loan |
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| Mobile Home (in park) - 10 Years |
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A+, A & B: 90% of appraised value |
8.50% APR |
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C, D & E: 75% of appraised value |
10.00% APR |
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Appraisal required on letterhead |
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| Visa® Credit Card |
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A+, A & B |
8.99% APR |
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C, D & E |
12.99% APR |
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| * |
APR is the Annual Percentage Rate |
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Rates subject to change without notice |
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