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Loans| Mortgage| Savings| Certificates/IRAs
Rates effective as of May 16, 2008
| Loans |
Lowest APR*
|
Highest APR* |
| Automobile Loans - New, Purchase & Refinances. New Money Only. |
6.50 |
14.40
|
| Automobile Loans - Used, Purchase & Refinances. |
7.00 |
14.90 |
|
Automobile Loans - Refinance NW Plus Loan.
|
8.49 |
16.49 |
| Marine (Boat) & RV - Under $25,000. New & Used, Purchase & Refinance. New Money Only. |
8.25 |
15.25 |
| Marine (Boat) & RV - Over $25,000 or Refinance of NW Plus Loan. |
10.625 |
17.625 |
| Motorcycles & Snowmobiles |
8.25 |
16.25 |
| Domestic (Furniture, Computers, and Appliances) - New Only/Purchase Only. |
11.25 |
18.00 |
|
Signature Loan - Unsecured closed end loan.
|
16.25 |
18.00 |
| Timeline Loan - Unsecured revolving line of credit. |
16.25 |
18.00 |
| Share Secured |
|
Call for rate |
For the most up to date rates, to apply for a loan or to learn more about our home buying process, please click on the above link.
To apply for a mortgage or home equity line of credit, click here.
To learn about the application process, click here.
For a mortgage application calculator, click here.
| Savings |
Minimum Balance |
Dividend Rate |
APY* |
| Regular Savings |
$25.00 |
0.50 |
0.50 |
| Youth Savings |
depends on age |
0.50 |
0.50 |
| IRA Savings |
$0.01 |
0.00
|
0.00 |
| Christmas Club |
$0.01 |
0.75 |
0.75 |
| Money Market - 30 FREE Checks |
$2,000 |
0.95 |
0.95 |
| Money Market - 30 FREE Checks |
$10,000 |
1.25 |
1.25 |
| Money Market - 30 FREE Checks |
$25,000 |
1.50 |
1.51 |
| Rewards Checking** |
$0.01-$50,000 |
4.90
|
5.01 |
| |
Over $50,000
|
1.50
|
1.51
|
|
|
Does not meet monthly qualifications
|
0.05
|
0.05
|
|
*APY = Annual Percentage Yield.
The Credit Union reserves the right to change the posted rates
to reflect market conditions and other factors.
Fees may reduce earnings.
**REWARDS CHECKING PROGRAM
To acquire the highest rate possible each month and to have up to $25 in ATM surcharges refunded (including the 75 cents that the Credit Union charges), members must meet specific criteria. This criteria includes:
-
Current E-Mail Address (e-mail address must on the member record)
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Subscribe to E-Statements
-
Sign-up for Personal Branch
-
Complete a minimum of 12 POS pin-based or signature-based transactions (does not include ATM transactions) each month*
*The number of debit card transactions is calculated from the 2nd to last business day of the previous month to the 2nd to last business day of the current month.
If these requirements are not met each month, the member will earn the minimum dividend rate assigned to the account and no ATM surcharges will be refunded.
- There is no minimum balance to earn dividends
- Members must qualify each month. If the member doesn’t qualify one month,
he or she may qualify for subsequent months to earn the higher rates.
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Certificates of Deposit/IRAs
|
Minimum Deposit |
Interest Rate |
APY* |
Term |
|
3-5 month Certificate of Deposit
$500.00 to $9,999
|
$500.00 |
2.00
|
2.02 |
|
|
3-5 month Certificate of Deposit
$10,000 to $24,999
|
$10,000 |
2.30 |
2.32 |
|
|
3-5 month Certificate of Deposit
$25,000 to $49,999
|
$25,000 |
2.40 |
2.42 |
|
|
3-5 month Certificate of Deposit
$50,000 to $99,999
|
$50,000 |
2.50 |
2.52 |
|
|
3-5 month Certificate of Deposit
$100,000 and over
|
$100,000 |
2.60 |
2.63 |
|
|
6-11 month Certificate of Deposit
$500.00 to $9,999
|
$500.00 |
2.40 |
2.42 |
|
|
6-11 month Certificate of Deposit
$10,000 to $24,999
|
$10,000 |
2.75 |
2.78 |
|
|
6-11 month Certificate of Deposit
$25,000 to $49,999
|
$25,000 |
2.85 |
2.88 |
|
|
6-11 month Certificate of Deposit
$50,000 to $99,999
|
$50,000 |
2.95 |
2.98 |
|
|
6-11 month Certificate of Deposit
$100,000 and over
|
$100,000 |
3.10 |
3.14 |
|
|
12-23 month Certificate of Deposit
$500.00 to $9,999
|
$500 |
2.65 |
2.68 |
|
12-23 month Certificate of Deposit
$10,000 to $24,999 |
$10,000 |
2.90 |
2.93 |
|
12-23 month Certificate of Deposit
$25,000 to $49,999 |
$25,000 |
3.10 |
3.14 |
|
12-23 month Certificate of Deposit
$50,000 to $99,999 |
$50,000 |
3.25 |
3.29 |
|
12-23 month Certificate of Deposit
$100,000 and over |
$100,000 |
3.40 |
3.44 |
|
|
24-35 month Certificate of Deposit
$500.00 to $9,999
|
$500 |
2.85 |
2.88 |
|
24-35 month Certificate of Deposit
$10,000 to $24,999 |
$10,000 |
3.10 |
3.14 |
|
24-35 month Certificate of Deposit
$25,000 to $49,999 |
$25,000 |
3.35 |
3.39 |
|
24-35 month Certificate of Deposit
$50,000 to $99,999 |
$50,000 |
3.50 |
3.55 |
|
24-35 month Certificate of Deposit
$100,000 and over |
$100,000 |
3.60 |
3.65 |
|
|
36-47 month Certificate of Deposit
$500.00 to $9,999
|
$500 |
3.05 |
3.09 |
|
36-47 month Certificate of Deposit
$10,000 to $24,999 |
$10,000 |
3.25 |
3.29 |
|
36-47 month Certificate of Deposit
$25,000 to $49,999 |
$25,000 |
3.50 |
3.55 |
|
36-47 month Certificate of Deposit
$50,000 to $99,999 |
$50,000 |
3.60 |
3.65 |
|
36-47 month Certificate of Deposit
$100,000 and over |
$100,000 |
3.70 |
3.75 |
|
|
48-60 month Certificate of Deposit
$500.00 to $9,999
|
$500 |
3.20 |
3.24 |
|
48-60 month Certificate of Deposit
$10,000 to $24,999 |
$10,000 |
3.50 |
3.55 |
|
48-60 month Certificate of Deposit
$25,000 to $49,999 |
$25,000 |
3.75 |
3.80 |
|
48-60 month Certificate of Deposit
$50,000 to $99,999 |
$50,000 |
3.80 |
3.85 |
|
48-60 month Certificate of Deposit
$100,000 and over |
$100,000 |
3.90 |
3.96 |
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All certificates of deposit require a $500 minimum deposit.
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Youth certificates of deposit require a minimum deposit of $25 for 0-6 years of age, $50 for 7-12 years of age and $100 for 13-18 years of age.
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Early withdrawal penalties may apply for all Certificates of Deposit /IRAs.
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These rates are indications only. The CU reserves the right to change the posted rates to reflect market conditions and other factors.
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The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.
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