Loan Rates - effective January 2019
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 - $60,000
- APR as low as 3.49%
COLLATERAL LOANS
-
Maximum Amount - $60,000
| Auto & Motorcycle | Term | Value of collateral | APR as low as |
| 2019 - 2017 | 1 - 37 months | 2.49% | |
| 2019 - 2017 | 38 - 61 months | over $10,000 | 2.79% |
| 2019 - 2017 | 62 - 85 months | over $14,000 | 3.69% |
| 2016 - 2013 | 1 - 37 months | 3.29% | |
| 2016 - 2013 | 38 - 61 months | over $10,000 | 3.69% |
| 2016 - 2013 | 62 - 73 months | over $14,000 | 4.29% |
| 2012 - older | 1 - 37 months | 3.69% | |
| 2012 - older | 38 - 49 months | over $10,000 | 3.99% |
| 2012 - older | 50 - 60 months | over $14,000 | 4.49% |
| Antique 15+ years | 1 - 49 months | 5.29% | |
| Antique 15+ years | 50-61 months | over $14,000 | 6.29% |
**add 2.00% APR to rates listed above for other title loans - snowmobile, boat, atv, camper, utility trailer, etc.
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
- 48 month max term
- Minimum amount - $500
- Maximum Amount - $10,000
- APR as low as 6.29%
CREDIT CARDS
- Visa - no annual fees
- Maximum limit - $6,000
- 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 February 1, 2016
- 6 month - .25% APR / .25% APY
- 12 month - .35% APR / .35% APY
- 18 month - .55% APR / .55% APY
- 24 month - .65% APR / .65% APY
Dividends |
|
| Declared | 12/31/2018 |
| Paid | 01/01/2019 |
| Shares | .12% APR / .12% APY |
| Christmas Club | .12% APR / .12% APY |
| Fun / Future | .12% APR / .12% APY |
| IRA (all types) | .35% APR / .35% APY |
| Share Draft | - does not pay dividends |
| minimum balance to earn dividends on shares, clubs, IRAs = $50 | |