Loan & Share Rates
Rates posted are valid as of July 9, 2024. Rates are subject to change without notice.
Share Savings Account Rates
| Share Savings Accounts | Rate (APR*) | APY** | Term |
|---|---|---|---|
| Regular Share $5.00 and Greater ($5.00 minimum deposit required) | 0.050% | 0.050% | n/a |
| Share Draft Account (Non-Dividend Bearing) | 0.00% | 0.00% | n/a |
| Share Draft Account (Dividend Bearing) | 0.100% | 0.100% | n/a |
| Advantage Plus Cash Reward Checking (Qualified – up to $10,000.00) | 3.250% | 3.299% | n/a |
| Advantage Plus Cash Reward Checking (Qualified – Greater than $10,000.00) | 0.150% | 0.150% | n/a |
| Advantage Plus Cash Reward Checking (Not Qualified) | 0.150% | 0.150% | n/a |
| Business Basic/Non-Profit Share | 0.00% | 0.00% | n/a |
| Business Executive Share | 0.100% | 0.100% | n/a |
| Business Basic/Non-Profit Share Draft | 0.00% | 0.00% | n/a |
| Business Executive Share Draft | 0.100% | 0.100% | n/a |
| Christmas Club Account | 0.200% | 0.200% | n/a |
| Summer Savings Account | 0.200% | 0.200% | n/a |
| Vacation Club Account | 0.200% | 0.200% | n/a |
Disclosure
*APR = Annual Percentage Rate. **APY = Annual Percentage Yield. Rates are effective as of 7/09/24 . Rates are as low as and subject to change without notice.
Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).
To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Share Certificate Rates
| Share Certificates | Dividend | APY* | Term |
|---|---|---|---|
| Share Certificate 6-Month Term (Minimum Deposit $500.00) | 3.928% | 4.000% | 6 Months |
| Share Certificate 9-Month Term (Minimum Deposit $500.00) | 4.950% | 5.064% | 9 Months |
| Share Certificate 12-Month Term (Minimum Deposit $500.00) | 4.073% | 4.150% | 12 Months |
| Share Certificate 18-Month Term (Minimum Deposit $500.00) | 3.687% | 3.750% | 18 Months |
| Share Certificate 24-Month Term (Minimum Deposit $500.00+) | 3.687% | 3.750% | 24 Months |
| Share Certificate 36-Month Term (Minimum Deposit $500.00+) | 3.445% | 3.500% | 36 Months |
| Share Certificate 48-Month Term (Minimum Deposit $500.00+) | 3.445% | 3.500% | 48 Months |
| Share Certificate 60-Month Term (Minimum Deposit $500.00+) | 3.203% | 3.250% | 60 Months |
Disclosure
*APY=Annual Percentage Yield. APYs are effective as of 7/09/24 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).
To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Money Maker Money Market
| Money Market – Tiered ($2,500.00 minimum deposit required) | Dividend | APY* | Term |
|---|---|---|---|
| $2,500.00 – $15,000 | 0.250% | 0.250% | N/A |
| $15,000.00 – $30,000 | 0.300% | 0.300% | N/A |
| $30,000.00 – $75,000.00 | 0.350% | 0.351% | N/A |
| $75,000.00 – $150,000 | 0.400% | 0.401% | N/A |
| $150,000.00 – $250,000 | 0.450% | 0.451% | N/A |
| $250,000.00 – $500,000 | 0.750% | 0.753% | N/A |
| $500,000.00 and Greater | 0.950% | 0.954% | N/A |
Disclosure
* In order to earn the Money Maker Money Market stated APY, you must have an active share account and maintain a $2,500.00 average daily balance in your Money Maker Money Market Account. In order to avoid a monthly service fee of $10.00 per month, you must maintain an average daily balance of at least $2,500.00 in your Money Maker Money Market Account. Rates are effective as of 07/09/24 and are subject to change without notice.
IRA Rates
| Individual Retirement Accounts | Dividend | APY* | Term |
|---|---|---|---|
| Individual Retirement Account $.01-$99,999.99 | 2.250% | 2.273% | n/a |
| Individual Retirement Account $100,000.00-$199,999.99 | 2.500% | 2.529% | n/a |
| Individual Retirement Account $200,000.00 and Greater | 3.000% | 3.042% | n/a |
Disclosure
*APY=Annual Percentage Yield. APYs are effective as of 07/09/24 and are subject to change without notice. Rates are for comparison only. Actual rates may vary. Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).
To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Please call the credit union for the most up to date rate information. Not responsible for typographical errors.
Closed-End Loan Rates
| Closed-End Loans | Term | APR* as Low as | Requirements |
|---|---|---|---|
| Auto Loan (New, 2023 & Newer, 125% of MSRP – does not include taxes, tags, warranty or gap) | 12-36 Months | 5.240% | |
| Auto Loan (New, 2023 & Newer, 125% of MSRP – does not include taxes, tags, warranty or gap) | 37-48 Months | 5.240% | |
| Auto Loan (New, 2023 & Newer, 125% of MSRP – does not include taxes, tags, warranty or gap) | 49-60 Months | 5.740% | |
| Auto Loan (New, 2023 & Newer, 125% of MSRP – does not include taxes, tags, warranty or gap) | 61-72 Months | 6.990% | |
| Auto Loan (New, 2023 & Newer, 125% of MSRP – does not include taxes, tags, warranty or gap) | 73-84 Months | 7.250% | |
| Auto Loan (Used, 2018-2022, 125% of clean retail – does not include taxes, tags, warranty or gap) | 36 Months | 5.990% | |
| Auto Loan (Used, 2018-2022, 125% of clean retail – does not include taxes, tags, warranty or gap) | 48 Months | 6.240% | |
| Auto Loan (Used, 2018-2022, 125% of clean retail – does not include taxes, tags, warranty or gap) | 60 Months | 6.740% | |
| Auto Loan (Used, 2018-2022 > $8,000.00, 125% of clean retail – does not include taxes, tags, warranty or gap) | 72 Months | 7.450% | |
| Auto Loan (Used, 2018-2022 > $16,000.00, 125% of clean retail – does not include taxes, tags, warranty or gap) | 84 Months | 7.950% | |
| Auto Loan (Used, 2015-2017, 125% of clean loan – does not include taxes, tags, warranty or gap) | 60 Months | 7.250% | |
| Auto Loan (Used, 2015-2017 > $8,000, 125% of clean loan – does not include taxes, tags, warranty or gap) | 72 Months | 8.240% | |
| Auto Loan (Used, Older than 2015, 125% of clean loan – does not include taxes, tags, warranty or gap) | 60 Months | 9.500% | |
| Boat, Trailer, Pop-Up, or Camper Loan (New) | 12-60 Months | 7.990% | |
| Boat, Trailer, Pop-Up, or Camper Loan (New) | 72 Months | 8.240% | |
| Trailer, Pop-Up, or Camper Loan (New > $10,000.00) | 84 Months | 8.490% | |
| Boat, Trailer, Pop-Up, or Camper Loan (Used 2017-2023) | 12-60 Months | 8.990% | |
| Boat, Trailer, Pop-Up, or Camper Loan (Used 2017-2023) | 72 Months | 9.240% | |
| Boat, Trailer, Pop-Up, or Camper Loan (Older than 2017) | 60 Months | 9.490% | |
| Money Maker Money Market Secured Loan | Up to 60 Months | 3.00% above money market rate | |
| Money Maker Money Market Secured Loan | 61-120 Months | 4.00% above money market rate | |
| Motor Cycle Loan (New and Used) | 12-84 Months | 0.25% greater than New or Used Vehicle | |
| Off Road/ATV, Dirt Bike, Jet Ski, or Snowmobile Loan (New) | 12-60 Months | 7.740% | |
| Off Road/ATV, Dirt Bike, Jet Ski, or Snowmobile Loan (New) | 72 Months | 7.990% | |
| Off Road/ATV, Dirt Bike, Jet Ski, or Snowmobile Loan (Used) | 12-60 Months | 8.740% | |
| Off Road/ATV, Dirt Bike, Jet Ski, or Snowmobile Loan (Used) | 72 Months | 8.990% | |
| Signature Loan | 0 – 12 Months | 9.750% | |
| Signature Loan | 13 – 36 Months | 10.500% | |
| Signature Loan | 37 – 48 Months | 10.750% | |
| Signature Loan | 49 – 60 Months | 11.240% | |
| Motor Home Loan (New, 80% Financing) | 12-144 Months | 9.490% | |
| Motor Home Loan (Used 2014-2023, 80% Financing) | 12-144 Months | 9.740% | |
| Motor Home Loan (Older than 2014, 80% Financing) | 12-120 Months | 10.740% | |
| Share Secured Loan | Up to 60 Months | 3.00% above share rate | |
| Share Secured Loan | 61-120 Months | 4.00% above share rate | |
| Share Certificate Secured Loan | Up to 120 Months | If loan ends before CT matures, 3.00% above CT rate | |
| Share Certificate Secured Loan | Up to 120 Months | If loan ends after CT matures, 4.00% above CT rate | |
| UCC Secured Bobcat, Tractor, Etc. Loan (New, Signature) | 12-60 Months | 8.240% | |
| UCC Secured Bobcat, Tractor, Etc. Loan (New, Signature) | 72 Months | 8.490% | |
| UCC Secured Bobcat, Tractor, Etc. Loan (Used, Signature) | 12-60 Months | 9.240% | |
| UCC Secured Bobcat, Tractor, Etc. Loan (Used, Signature) | 72 Months | 9.490% |
Disclosure
*APR=Annual Percentage Rate. Loan Rates as of 07/09/24. Rates and terms are subject to change at any time. The actual rate may vary based upon creditworthiness and underwriting policies. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00.
Contact the credit union for more details. Not responsible for typographical errors.
Real Estate Loan Rates
| Real Estate Loans | Term | APR* as Low as |
|---|---|---|
| First Mortgage | Select the link to the left | Select the link to the left |
| Home Equity – 1st Lien (Maximum 80% of Appraisal minus Liens) | 5 Years | 5.500% |
| Home Equity – 1st Lien (Maximum 80% of Appraisal minus Liens) | 10 Years | 6.250% |
| Home Equity – 1st Lien (Maximum 80% of Appraisal minus Liens) | 15 Years | 6.500% |
| Home Equity – 2nd or Junior Lien (Maximum 80% of Appraisal minus Liens) | 5 Years | 6.250% |
| Home Equity – 2nd or Junior Lien (Maximum 80% of Appraisal minus Liens) | 10 Years | 6.500% |
| Home Equity – 2nd or Junior Lien (Maximum 80% of Appraisal minus Liens) | 15 Years | 6.750% |
