Rates & Fees

Effective Date: July 29, 2010 - August 4, 2010

Savings Rates

Account Type
Rate
APY
Balance to Earn Dividends
  (anticipated for quarter)  
Savings .20% .20% $100.00 ($5.00 minimum deposit)
Share Draft .00% .00% $.00
Select Check 55 .20% .20% $1,000.00 ($500.00 minimum deposit)
Christmas Club .20% .20% $5.00
Vacation Club .20% .20% $5.00
Traditional IRA
1.05%
1.05%
 $.00
Education IRA
1.05%
1.05%
 $.00
Roth IRA
1.05%
1.05%
 $.00
Dividend rate is declared at the end of each quarter by the Board of Directors.
Rates shown above are for the first quarter of 2010.

Money Market Savings Rate

Account Type
Rate
APY
Balance to Earn Dividends
Money Market Share
0.30%
0.30%
 $2,500.00
Money Market Share
0.30%
0.30%
 $15,000.00
Money Market Share
0.30%
0.30%
 $50,000.00

Certificates of Deposit & IRA Certificates of Deposit Rates

 
$1,000-14,999
$15,000-49,999
$50,000-99,999
$100,000+
Term
Rate
APY*
Rate
APY*
Rate
APY*
Call
1-800-797-3281 for the daily rate.
6 months 0.35% 0.34% 0.45% 0.45% 0.55% 0.55%
12 months 0.65% 0.65% 0.75% 0.75% 0.85% 0.85%
18 months 0.85% 0.85% 0.95% 0.95% 1.05% 1.06%
24 months 1.25% 1.26% 1.35% 1.36% 1.45% 1.46%
36 months 1.70% 1.71% 1.80% 1.82% 1.90% 1.92%
48 months 1.90% 1.92% 2.00% 2.02% 2.10% 2.12%
60 months 2.40% 2.43% 2.50% 2.53% 2.60% 2.63%

*Annual Percentage Yield is the total amount of dividends (or interest in the case of Certificates of Deposit, IRA CDs and Money Market Savings) paid on an account, based on the dividend/interest rate and the frequency of compounding for a 365 day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend/interest period, that no deposits or withdrawals are made during the dividend/interest period, and funds remain on deposit for one year at the same dividend/interest rate. The APY shown is for the minimum balance configured for the CD product. Actual APY is based on certificate balance and annualization of term. The variance is within compliance tolerance, usually no more than 0.01%. CDs compounded monthly. All other savings vehicles compounded quarterly. All deposits federally insured per depositor by National Credit Union Administration. CDs subject to penalty for early withdrawal. SelectCheck 55 Members may add 0.25% to all CD rates (not applicable for IRA CDs).

Loan Rates

NEW! Apply Online Now! You don't even have to be a member yet.

Loan Type
APR* as Low as
Term (Months)
Details
New Auto Loan (2010) 3.99%
4.49%
4.49%
5.49% 		36
48
60
72 		Great Low Rates - Apply Today!
Used Auto Loan (2005-2009) 3.99%
4.49%
4.49%
5.49%		 36
48
60
66		 Low Rate Loans - Apply Today!
Used Auto Loan (2003-2004) 8.99% Up to 36 Low Rate Loan - Apply On-line Today
Unsecured Personal Loan 9.99% Use This Loan For Any Purpose.
Share Secured Loan 4.99% An Excellent Way To Build Credit!
Revolving Line Of Credit 15.00% Open Line Of Credit For Any Purpose
Fixed Rate Home Equity Loan**
(Maximum 15 Years)
6.49%

 80% LTV, up to 120 mo.
Borrow Up To 80% Of The Equity In Your Home
6.74% 80% LTV, 121-180 mo.
Home Equity Line of Credit †** Call 1-800-797-3281 for current rate. Borrow Up To 80% Of The Equity In Your Home
VISA Classic Credit Card 13.92%

A Great Card From A Place You Can Trust-your Credit Union!
VISA Platinum Credit Card 8.99% A Low Fixed Rate Makes This Card A Great Choice!
Student Loan 8.99%   Make Financing Your Education Simple!
Checkguard Overdraft Line of Credit 18.00%   Overdraft Protection For Your Checking Account!
R.V., Boat, Motorcycle Loan 8.49%
8.99% 		36-60
61-120 		Loans To Help You Enjoy Your Summer

*APR (Annual Percentage Rate) will be based upon your individual credit worthiness, collateral, loan amount, and term of loan. Rates subject to change weekly. All loans subject to approval. †Rate adjustable quarterly, set equal to the Wall Street Journal Prime Rate. Home Equity Lines of Credit have a $5,000.00 minimum. **Home Equity Fixed Loan rates based on Loan to Value (LTV) and term..

Download Fee Schedule (pdf)