Current Rates


Current Loan Rates - Effective: 10/1/19

Product Rate (as low as) Details
Home Equity Line of Credit 4.900% (Prime Rate less .10%) subject to change on the first business day of the month, 100% financing on primary residence, 1.5% or $50.00 minimum monthly payment, $5,000.00 minimum loan, no annual fee, ten-year draw period. Members pay fees and all closing costs.
In-House First Mortgage 2.625% Contact the credit union for details.
In-House First Mortgage 2.875% Contact the credit union for details.
In-House First Mortgage 3.125% Contact the credit union for details.
In-House Second Mortgage - 5 Year Fixed 4.125% Contact the credit union for details.
In-House Second Mortgage - 10 Year Fixed 4.375% Contact the credit union for details.
In-House Second Mortgage - 15 Year Fixed 4.625% Contact the credit union for details.
Construction Loans 2.750% Minimum down payment of 20%. Terms are 6 to 9 months and single payment. Pre-approval by Fannie Mae or the credit union for the end-loan is required. Member pays all closing costs.
Lot/Land Loans 4.750% Maximun 15-yr term. Maximum loan is 90% of appraised value or purchase price - whichever is less. Maximum loan is $500,000.00. Lots can be in a subdivision. Land is for recreatioanl purpose or future, primary, single-family residence.

Auto / Truck / Motorcycle - NEW

Term Rate (as low as) Cost per Thousand Conditions
6 Years 3.99% $15.64 110% LTV
5 Years 3.49% $18.19 110% LTV
4 Years 3.49% $22.35 110% LTV
3 Years 2.99% $29.08 110% LTV

Auto / Truck / Motorcycle - USED

Term Rate (as low as) Cost per Thousand Conditions
6 Years 3.99% $15.64 110% LTV
5 Years 3.49% $18.19 110% LTV
4 Years 3.49% $22.35 110% LTV
3 Years 2.99% $29.08 110% LTV

RV's (Boats, Jet Skis, Snowmobiles, Camping Trailers, ATVs, Motor Homes)

Term Rate (as low as) Cost per Thousand Conditions
15 Years 5.99%   8.43 110% LTV
10 Years 4.49% 10.36 110% LTV
5 Years 3.99% 18.41 110% LTV

Other Secured Loans

Product Term Rate (as low as) Conditions
Share/Cert. 5 Years Varies 2% over APY, 7% APR minimum

Unsecured

Product Term Base Rate Cost per Thousand
Signature 3 years   9.90% 32.22
Signature 2 years   9.90% 46.10
Signature 1 year   9.90% 87.87
LOC 3 years 10.50% 32.50
Credit Card 3 years   8.90% 31.75

Current Savings Rates

Account Type Rate APY Minimum
Share Account 0.250% 0.25% $5.00
Special Share Account 0.250% 0.25% $0.01
Vacation Club Account 0.250% 0.25% $0.01
Christmas Club Account 0.250% 0.25% $0.01
Escrow/Educational Account 0.250% 0.25% $0.01
Free Checking Account 0.200% 0.20% $500.00 (no minimum to open)

Certificates

Term Rate APY Minimum
6 Months 1.689% 1.70% $1,000.00
9 Months 1.788% 1.80% $1,000.00
12 Months 1.985% 2.00% $1,000.00
18 Months 2.280% 2.30% $1,000.00
24 Months 2.379% 2.40% $1,000.00
36 Months 2.477% 2.50% $1,000.00

Money Market Account

Rate APY Minimum
0.150% 0.15% $.01 – 4,999.99
0.350% 0.35% $5,000.00 – 9,999.99
0.449% 0.45% $10,000.00 – 24,999.99
0.499% 0.50% $25,000.00 – 49,999.99
0.549% 0.55% $50,000.00 – 74,999.99
0.599% 0.60% $75,000.00 – 99,999.99
0.648% 0.65% $100,000.00 – above

APY = Annual Percentage Yield. Rates effective 10/1/19. All rates are subject to change.
*If your paycheck or social security check is direct deposited in your checking account. Includes checking discount (up to 60 months).