Rates

Mortgage Rates

Mortgage Rates

  •  
Rate
APR
Points
30 Year Fixed Rate 4.000% 4.141% 1.000%
20 Year Fixed Rate 3.750% 3.938% 1.000%
15 Year Fixed Rate 3.250% 3.452% 1.000%
10 Year Fixed Rate 3.125% 3.418% 1.000%

APR = Annual Percentage Rate. Rate is effective as of 01-19-2017 and is subject to change.

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Car Loan Rates

New autos 2012-2017

Rates effective 01-19-2017
Term Rates as low as APR1 Payment Example per $1,000 Maximum Term Alert Me
24 months 2.95% $42.96
36 months 2.95% $29.06
66 months 2.95% $16.44
75 months 2.95% $14.62
84 months 4.95% $14.11
Includes New Autos. Payment per $1,000 is for example purposes only. Rates increase by 1% for automobiles over 100,000 miles.
  • 1APR = Annual Percentage Rate

Used autos 2011 and older

Rates effective 01-19-2017
Term Rates as low as APR1 Payment Example per $1,000 Maximum Term Alert Me
24 months 3.95% $43.40
36 months 3.95% $29.50
66 months 3.95% $16.89
75 months 3.95% $15.07
84 months 6.45% $14.83
Includes Used Autos. Payment per $1,000 is for example purposes only. Rates increase by 1% for automobiles over 100,000 miles.
  • 1APR = Annual Percentage Rate

Repayment Terms

Loan Amount Term Alert Me
Any amount 75 months
$40,001+ 84 months

Rates listed are the lowest rates available for each loan product. Payment examples are based on the lowest rate. Your rate may vary and is determined by your credit qualifications, amount financed, collateral and loan terms. To determine your actual rate, please contact any branch.

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Recreational Loan Rates

New Recreational Loan Rates 2012-2017

01-19-2017
Term Rates as low as APR1 Payment Example per $1,000 Maximum Term Alert Me
24 months 2.95% $42.96
36 months 2.95% $29.06
66 months 2.95% $16.44
75 months 2.95% $14.62
84 months 4.95% $14.11
Includes new Boats, Farm Equipment, Campers/Motorhomes. Payment per $1,000 is for example purposes only. Extended terms up to 144 months available on campers, boats, and motorhomes. Minimum loan amount: $25,000.
  • 1APR = Annual Percentage Rate

Used Recreational Loan Rates 2011 and older

01-19-2017
Term Rates as low as APR1 Payment Example per $1,000 Maximum Term Alert Me
24 months 3.95% $43.40
36 months 3.95% $29.50
66 months 3.95% $16.89
75 months 3.95% $15.07
84 months 6.45% $14.83
Includes used Boats, Farm Equipment, Campers/Motorhomes. Payment per $1,000 is for example purposes only. Extended terms up to 144 months available on campers, boats, and motorhomes. Minimum loan amount: $25,000.
  • 1APR = Annual Percentage Rate

Rates listed are the lowest rates available for each loan product. Payment examples are based on the lowest rate. Your rate may vary and is determined by your credit qualifications, amount financed, collateral and loan terms. To determine your actual rate, please contact any branch.

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Deposit Rates

Deposit Accounts

Rates effective 01-19-2017
Dividend Rate Annual Percentage Yield (APY) Minimum Balance Dividend Compound Alert Me
Regular Savings Account 0.15% 0.15% $5.00 Quarterly
Best Checking Package 0.00% 0.00% $0.00 None
Accumulation IRA 0.30% 0.30% $25.00 Monthly
Christmas / Vacation Club 0.10% 0.10% $0.00 Quarterly
Health Savings Account 1.24% 1.25% $25.00 Monthly

Certificate/IRA Accounts

Rates effective 01-19-2017
Term Dividend Rate Annual
Percentage
Yield (APY)
Minimum Balance Dividend Compound Alert Me
6 Months 0.40% 0.40% $2,500.00 Monthly
12 Months 0.55% 0.55% $2,500.00 Monthly
18 Months 0.55% 0.55% $500.00 Monthly
24 Months 0.90% 0.90% $500.00 Monthly
30 and 36 Months 1.04% 1.05% $500.00 Monthly
42 and 48 Months 1.39% 1.40% $500.00 Monthly
60 Months 1.69% 1.70% $500.00 Monthly
  • Rates are subject to change without notice.
  • Certificates with initial minimum of $100,000 may add 0.10 to dividend rate above.
  • Certificates with initial minimum of $250,000 may add 0.20 to dividend rate above.
  • Fees may reduce the earnings on some accounts.
  • Certificate Accounts with maturities of seventeen (17) months or less have a penalty for early withdrawal of an amount equal to ninety (90) days dividends.
  • Certificate Accounts with maturities of eighteen (18) months or more have a penalty for early withdrawal of an amount equal to 180 days dividends.
  • On certificate accounts the dividends can be added back to the account, transferred to another Credit Union account or mailed to you each month. Annual Percentage Yield applies when the dividend is reinvested in the account.
  • Certificate Accounts (other than Educational Savings) can be designated as an Individual Retirement Account (IRA) or Health Savings Account (HSA)

IRA Accounts

Effective 01-19-2017
Dividend Rate Annual Percentage Yield (APY) Minimum Balance Dividend Compound Alert Me
Tier 1 0.30% 0.30% $5,000.00 Monthly
Tier 2 0.35% 0.35% $25,000.00 Monthly
Tier 3 0.45% 0.45% $50,000.00 Monthly
Tier 4 0.50% 0.50% $100,000.00 Monthly

Certificate Specials New Year 2017

01-19-2017
Dividend Rate Annual Percentage Yield (APY) Minimum Balance Dividend Compound Alert Me
18 Months 1.17% 1.18% $10,000 Monthly
60 Months 2.15% 2.17% $10,000 Monthly
18 Month Special: To qualify for this special, Member must have a checking account with debit card or direct deposit. 60 Month Special: To qualify for this special, Member must have a checking account with debit card or direct deposit.

Certificate Specials

Rates effective 01-19-2017
Dividend Rate Annual Percentage Yield (APY) Minimum Balance Dividend Compound Alert Me
18 Months 1.00% 1.00% $10,000 Monthly
60 Months 1.98% 2.00% $10,000 Monthly
18 Month Special: To qualify for this special, Member must have one of the following: new/existing direct deposit, new/existing credit card, or new/existing HELOC.

Member-Managed Funds Account

Rates Effective 01-19-2017
$2,500.00 $25,000.00 $50,000.00 $100,000.00 Alert Me
Annual Percentage Yield (APY) 0.25% 0.30% 0.35% 0.40%
Dividend Rate 0.25% 0.30% 0.35% 0.40%
Dividend Compound Monthly Monthly Monthly Monthly

Fee Schedule

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