|
Dividend Rates
Effective as of May 8, 2008
Account Type |
Rate |
APY |
Regular Share Account |
1.00% |
1.00% |
Christmas Club Account |
1.00% |
1.00% |
Special Share Account |
1.00% |
1.00% |
Money Market Account
Up to $10,000 |
1.85% |
1.86% |
Money Market Account
$10,000.01 & Up |
2.35% |
2.37% |
Youth Money Market Account |
1.85% |
1.89% |
Education Savings Account |
1.50% |
1.51% |
Term Deposit Rates
Effective as of May 8, 2008
Account Type |
Min. Deposit |
Rate |
APY |
6 Month Term Deposit |
$1,000 |
2.75% |
2.75% |
12 Month Term Deposit
Interest Pays Quarterly |
$1,000 |
3.25% |
3.29% |
12 Month Term Deposit |
$1,000 |
3.25% |
3.25% |
18 Month Term Deposit
Interest Pays Quarterly |
$1,000 |
2.78% |
2.75% |
18 Month Term Deposit |
$1,000 |
2.75% |
2.75% |
24 Month Term Deposit
Interest Pays Quarterly |
$1,000 |
3.25% |
3.29% |
24 Month Term Deposit |
$1,000 |
3.25% |
3.25% |
36 Month Term Deposit
Interest Pays Quarterly |
$1,000 |
3.25% |
3.29% |
36 Month Term Deposit |
$1,000 |
3.25% |
3.25% |
APY= Annual Percentage Yield.
Dividend Rates are reviewed monthly.
More types offered - call for information.
Rates are subject to change.
Individual Retirement Account (IRA) Rates
Effective as of May 8, 2008
Account Type |
Min. Deposit |
Rate |
APY |
Accumulation IRA |
-- |
1.70% |
1.73% |
12 Month IRA |
$1,000 |
3.25% |
3.25% |
18 Month IRA |
$1,000 |
2.75% |
2.75% |
24 Month IRA |
-- |
3.25% |
3.25% |
36 Month IRA |
-- |
3.25% |
3.25% |
APY= Annual Percentage Yield.
Dividend Rates are reviewed monthly.
More types offered - call for information.
Rates are subject to change.
Loan Rates
Rates based on credit score.
Effective as of May 30, 2008
Type |
Credit Rating |
A+ |
A |
B |
C |
D |
E |
Signature*
(36 Months) |
8.25% |
8.50% |
9.00% |
11.50% |
15.00% |
15.50% |
Secured
(36 Months) |
5.00% |
5.00% |
5.00% |
8.00% |
11.50% |
14.50% |
Secured
(48 Months) |
5.00% |
5.00% |
5.00% |
8.25% |
11.75% |
14.75% |
Secured
(60 Months) |
5.00% |
5.00% |
5.00% |
8.50% |
12.00% |
18.00% |
Secured
(72 Months) |
5.25% |
5.50% |
6.00% |
8.75% |
12.25% |
18.00% |
Secured RV
& Luxury
(84 Months) |
6.25% |
7.00% |
8.25% |
10.50% |
12.50% |
18.00% |
Share Secured |
5.00% |
5.00% |
5.00% |
5.00% |
5.00% |
5.00% |
Term Deposit Secured |
+3.0% |
+3.0% |
+3.0% |
+3.0% |
+3.0% |
+3.0% |
Maximum rates on loans will be 18% APR as set by NCUA.
*Signature Loan interest rates increase 0.25% for each additional
year financed in excess of 3 years.
0.25% discount for 5+ yrs of membership
Rates are subject to change.
Credit Rating |
Credit Score |
Signature Limits |
Maximum Terms
for Autos |
A+ |
730+ |
$15,000 |
New:
Up to 72 Months
2004-2006:
Up to 60 Months
2002-2003:
Up to 48 Months
2001 & Older:
Up to 36 Months |
A |
680-729 |
$15,000 |
B |
640-679 |
$10,000 |
C |
600-639 |
$8,500 |
D |
550-599 |
$3,500 |
E |
521-549 |
$1,500 |
F |
<520 |
$0 |
|
