Proudly Serving Our Members Since 1948

 814.774.4130  

Loan Rates - effective November 2021

for all loans APR = annual percentage rate

Note: Stated rates are the lowest rates offered as of this date and are subject to change without notice. Actual rate charged may increase according to credit score.

FULLY SECURED LOANS

  • 84 month max term
  • Maximum Amount - $80,000
  • APR as low as 2.49% *12/1/2021

COLLATERAL LOANS - up to 110% of n.a.d.a value!

  • Maximum Amount - $80,000 *12/1/2021

Auto & Motorcycle  Term  Value of collateral APR as low as **
2022 - 2020 1 - 37 months   2.49%
2022 - 2020 38 - 61 months over $8,000 2.79%
2022 - 2020 62 - 85 months over $12,000 3.69%
       
2019 - 2016 1 - 37 months   3.29%
2019 - 2016 38 - 61 months over $8,000 3.69%
2019 - 2016 62 - 73 months over $12,000 4.29% 
       
2015 - older 1 - 37 months   3.69%
2015 - older 38 - 49 months over $8,000 3.99% 
2015 - older 50 - 61 months over $12,000 4.49%

**add 2.00% APR to rates listed above for other title loans - snowmobile, boat, atv, camper, utility trailer, etc.

** stated rates are lowest rates offered, approval based on credit score

When collateral is involved, the credit union will use the N.A.D.A guide to establish value when considering a loan for approval. If N.A.D.A. value is not available, the credit union will require another statement of value such as: appraisal, dealer’s quote, or insurance quote.

SIGNATURE LOANS - higher limits, longer terms!

  • 60 month max term
  • Minimum amount  - $500
  • Maximum Amount - $12,000
  • APR as low as 5.99%

CREDIT CARDS - higher limits!

  • Visa - no annual fees
  • Maximum limit - $10,000
  • APR as low as 6.99%

90 DAY NOTE LOANS

Limit based on verifiable repayment method and loan officer discretion.  Use signature loan rates.

Savings Rates

for all savings types APR = annual percentage rate / APY = annual percentage yield

 - effective August 31, 2021

  • 6 month -  .12% APR / .12% APY
  • 12 month - .17% APR / .17% APY
  • 18 month - .22% APR / .22% APY
  • 24 month - .25% APR / .25% APY

Dividends

Declared 06/30/2021
Paid 07/01/2021
Shares .09% APR / .09% APY
Christmas Club .09% APR / .09% APY
Fun / Future .09% APR / .09% APY
IRA (all types) .25% APR / .25% APY
Share Draft  - does not pay dividends
minimum balance to earn dividends on shares, clubs, IRAs = $50