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Rates

Rates effective November 28, 2014

Rates may change after accounts are opened.

Fees may reduce earnings.

APY = Annual Percentage Yield.


Checking Account

AccountMinimum BalanceDividend RateAnnual Percentage Yield
Totally Free Checking$00.00%0.00%
50 Plus Checking$00.05%0.05%
Direct Checking$00.05%0.05%
Premium Interest Checking

$0 - $1,499
$1,500 +


$1,500
$1,500


0.05%
0.10%


0.05%
0.10%

Totally Free Business Checking$00.00%0.00%
Premium Business Checking$5,0000.15%0.15%

Savings Account Rates

AccountMinimum BalanceDividend RateAnnual Percentage Yield
Regular Savings$5.00 to earn interest0.10%0.10%
Youth AccountsDepends on Age0.10%0.10%
IRA Accounts$0.010.00%0.00%
Christmas Club$0.010.15%0.15%
Money Market

$2,000 - $9,999

$2,0000.15%0.15%
Money Market

$10,000 - $24,999

$10,0000.15%0.15%
Money Market

$25,000 - over

$25,0000.15%0.15%
  • The Credit Union reserves the right to change the posted rates to reflect market conditions and other factors.
  • Fees may reduce earnings.

First Mortgage Fixed Rate Program

Owner Occupied PropertyNote RateAPRMax LTVLoan FeeP&I Pmt Based on $100,000
10 Years2.875%3.091%95%0.500%($959.85)
15 Years3.000%3.149%95%0.500%($690.58)
20 Years3.750%3.872%95%0.500%($592.89)
30 Years4.000%4.090%95%0.500%($477.42)

*All rates based on Fannie Mae trade rates and are subject to change without notice.


For additional rates, programs, and costs, please click here

Equity Loan Program Rates

TermNote RateAPRMax LTVLoan FeeP&I Pmt Based on $100,000
EQLN - $200,000 Max6.990%7.126%80%0.500%($774.70)
FX2125 (Max 15 Yrs)6.990%7.159%80%0.500%($898.27)

*All rates based on Fannie Mae trade rates and are subject to change without notice.


For additional rates, programs, and costs, please click here

Certificate of Deposit Rates

Deposit AmountMinimum DepositInterest RateAnnual Percentage yield
3-5 Month Certificate of Deposit

$25 - $9,999
$10,000 - $99,999
$100,000 - over

$500
$10,000
$100,000

0.15%
0.20%
0.25%

0.15%
0.20%
0.25%

6-11 Month Certificate of Deposit

$25 - $9,999
$10,000 - $99,999
$100,000 - over

$500
$10,000
$100,000

0.20%
0.30%
0.35%

0.20%
0.30%
0.35%

12-23 Month Certificate of Deposit

$25 - $9,999
$10,000 - $99,999
$100,000 - over

$500
$10,000
$100,000

0.25%
0.40%
0.45%

0.25%
0.40%
0.45%

24-35 Month Certificate of Deposit

$25 - $9,999
$10,000 - $99,999
$100,000 - over

$500
$10,000
$100,000

0.50%
0.60%
0.65%

0.50%
0.60%
0.65%

36-47 Month Certificate of Deposit

$25 - $9,999
$10,000 - $99,999
$100,000 - over

$500
$10,000
$100,000

0.65%
0.85%
0.90%

0.65%
0.85%
0.90%

48-60 Month Certificate of Deposit

$25 - $9,999
$10,000 - $99,999
$100,000 - over

$500
$10,000
$100,000

0.90%
1.10%
1.20%

0.90%
1.10%
1.20%

  • All certificates of deposit require a $500 minimum deposit.
  • 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.
  • Early withdrawal penalties may apply for all Certificates of Deposit /IRAs.
  • These rates are indications only.
  • The CU reserves the right to change the posted rates to reflect market conditions and other factors.
  • The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

Loan Rates

LoanLowest Annual Percentage RateHighest Annual Percentage Rate
Auto Loans

New, Purchase & Refinances

3.00% ¹10.00% ¹
Auto Loans

Used, Purchase & Refinances

3.25% ¹10.25% ¹
VISA Platinum

Rewards Credit Card

9.75% ¹18.00% ¹
VISA8.75% ¹17.00% ¹
Boat & RV Loans - Under $25,000

New & Used, Purchase & Refinance

6.75% ¹13.75%
Boat & RV Loans - Over $25,000

or Refinance of NW Plus Loan

7.75%14.75%
Motorcycles & Snowmobiles6.00%13.00%
Domestic - Furniture, Computers & Appliances

New purchases only

8.25%15.25%
Signature Loan

Unsecured closed end loan FOR A LIMITED TIME ONLY

8.0015.00%
Timeline Loan

Unsecured revolving line of credit; attached to checking

10.50%17.500%
Home Improvement Loan7.00%7.00%
Share SecuredCall for RateCall for Rate
  • Loan based upon credit score.
  • Rates subject to change without notice.
  • Please call for current rates and terms.

¹ Rate is subject to change without notice and subject to credit rating. New money only. Some restrictions may apply.