Rates

  • New Vehicles
    Including Automobiles, Boats, Motorcycles, Tractors, Campers and 4-Wheelers/ATV 36 months Rates as Low as 2.29% APR
    48 months Rates as Low as 2.29% APR
    60 months Rates as Low as 2.29% APR
    72 months Rates as Low as 3.29% APR
    84 months Rates as Low as 4.29% APR Selling price must be $30,000

    Program Cars / Demonstrators
    New Car financing available for program cars if purchased in the current model year.
    ATV'S and Golf Carts ( New Only)
    Same rates as New Vehicles, Limited to 3 year financing
    Second Chance Vehicle Loans
    Refinance a new vehicle within the first year and get our New Vehicle Rates
    84 monthly payments of $12.90 per $1000 borrowed at 2.29%.
    ** Rates subject to Credit and Collateral Qualifications
    **All interest rates are subject to change without notice and may be higher than the listed rates
    All rates are based on Credit History

    Unimproved property / Lots

    1 - 6 years Rates as Low as 4.49% APR
    7 - 9 years Rates as Low as 4.99% APR
    10 - 15 years Rates as Low as 5.49% APR

     

    15 year amortization with 10 year maturity
    180 monthly payments of $8.17 per $1000 borrowed at 5.49%
    Lesser of appraisal value or cost
    Not to exceed total loan limit
    Mortgages are done by credit union attorney before check is issued
    Member pays for appraisal, attorney fees, title search, etc...
    Need purchase agreement & appraisal authorization

     

  • Home Equity / Home Purchase

    1 - 6 years Rates as Low as 4.49% APR
    7 - 9 years Rates as Low as 4.99% APR
    10 - 15 years Rates as Low as 5.49% APR
    • 15 year amortization with 10 year maturity
    • 80% of appraised value
    • Member pays attorney and appraisal fees
    • Must use credit union attorney and appraiser
    • Need copy of deed and appraisal authorization
    • 1% Origination Fee

     

    Construction Loans

    We are not doing construction loans at this time

     

    Signature Loans

    Members are eligible after 1 year of employment

    • 1-3 years of employment - up to $1000.00
    • More than 3 years employment- up to 2 times monthly income not to exceed $5000.00
    • $500.00 minimum loan (new money)
    • $5001.00 - $7000.00 payable in up to 3 years

    Rates as Low as 8.75% APR
    Rates are determined upon credit history
    24 monthly payments of $45.58 per $1000 borrowed at 8.75%

     

    Share Secure Loans
    • 2% above dividends earned on highest amount secured
    • Term limit - 12 years
    • NO application or credit check required

     

    Tuition Loans
    1 year term Rates as Low as 5.90% APR
    Copy of invoice from school/college required

    12 monthly payments of $88.55 per $1000 borrowed at 5.9%
    Rates are determined upon credit history

  • Share Dividend Rates
    Share Amount Dividend Rate APY
    $100.00 to $9,999.99 0.10% 0.100%
    $10,000.00 and Over 0.15% 0.150%

    All dividend rates are subject to change without notice.
    *Dividends are figured on daily balances, compounded and paid quarterly
    APY = annual percentage yield
  • Youth Accounts for $1000 and over
    Term Dividend Rate APY
    6 months 0.25% 0.250%
    1 year 0.50% 0.501%
    18 months 0.75% 0.753%
    2 years 1.00% 1.005%
    3 years 1.20% 1.207%

    *Based on dividends capitalized back into your share certificate
    *APY denotes Annual Percentage Yield
    All dividened rates are subject to change without notice.  A penalty will be imposed for early withdrawal.


    View Kid's Club Page

    Share Certificate Rates $5000.00 and over
    Term Dividend Rate APY
    6 months 0.25% 0.250%
    1 year 0.50% 0.501%
    18 months 0.75% 0.753%
    2 years 1.00% 1.005%
    3 years 1.20% 1.207%

    *Based on dividends capitalized back into your share certificate
    *APY denotes Annual Percentage Yield
    All dividened rates are subject to change without notice.  A penalty will be imposed for early withdrawal.

    IRA Dividends
    IRA account Dividend Rate APY
      0.75% 0.752%

     

    *Dividends are figured on daily balances, compounded and paid quarterly
    *APY denotes Annual Percentage Yield
    All dividened rates are subject to change without notice.  A penalty will be imposed for early withdrawal.

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