Member Rates
Dividends
Term Deposit
IRAs
Loans
Dividend Rates
Effective as of
| Account Type |
Rate |
APY |
| Regular Share Account |
0.03% |
0.03% |
| Christmas Club Account |
0.05% |
0.05% |
| Special Share Account |
0.05% |
0.05% |
| Convenience Checking |
N/A |
N/A |
| Money Market Account* |
0.10% |
0.10% |
| Youth Money Market Account** |
0.10% |
0.10% |
APY= Annual Percentage Yield.
* Minimum balance of $2,500 required to earn dividends. $10 excessive withdrawal fee after 3 per quarter.
** Minimum deposit of $1.00 required.
Term Deposit Rates
Effective as of
| Account Type |
Min. Deposit |
Rate |
APY |
| 6 Month Term Deposit |
$1,000 |
0.15% |
0.15% |
12 Month Term Deposit
Interest Pays Quarterly |
$1,000 |
0.20% |
0.20% |
| 12 Month Term Deposit |
$1,000 |
0.20% |
0.20% |
18 Month Term Deposit
Interest Pays Quarterly |
$1,000 |
0.25% |
0.25% |
| 18 Month Term Deposit |
$1,000 |
0.25% |
0.25% |
24 Month Term Deposit
Interest Pays Quarterly |
$1,000 |
0.30% |
0.30% |
| 24 Month Term Deposit |
$1,000 |
0.30% |
0.30% |
36 Month Term Deposit
Interest Pays Quarterly |
$1,000 |
0.35% |
0.35% |
| 36 Month Term Deposit |
$1,000 |
0.35% |
0.35% |
48 Month Term Deposit
Interest Pays Quarterly |
$1,000 |
0.40% |
0.40% |
| 48 Month Term Deposit |
$1,000 |
0.40% |
0.40% |
60 Month Term Deposit
Interest Pays Quarterly |
$1,000 |
0.50% |
0.50% |
| 60 Month Term Deposit |
$1,000 |
0.50% |
0.50% |
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
| Account Type |
Min. Deposit |
Rate |
APY |
| Accumulation IRA |
$1 |
0.20% |
0.20% |
| 12 Month IRA |
$1 |
0.20% |
0.20% |
| 18 Month IRA |
$1 |
0.25% |
0.25% |
| 24 Month IRA |
$1 |
0.30% |
0.30% |
| 36 Month IRA |
$1 |
0.35% |
0.35% |
APY= Annual Percentage Yield.
Dividend Rates are reviewed monthly.
Rates are subject to change.
Loan Rates
Rates based on credit score.
Effective as of
| Account Type |
Term |
APR |
| Unsecured/Signature |
Up to 60 months |
9.50% - 18.00% |
New Auto
(2022-2023) |
Up to 60 months
Up to 72 months |
3.25% - 13.75%
3.50% - 14.00% |
Secured Auto
(Any year) |
Up to 60 months |
3.75% - 15.00% |
Secured Auto
(2018 - 2022) |
72 months |
3.99% - 16.00% |
Secured Auto
(2013 - 2017) |
72 months |
4.75% - 18.00% |
Secured Luxury*
(2021-2023) |
Up to 84 months |
4.49% - 17.00% |
Secured Luxury*
(2018-2020) |
Up to 84 months |
5.49% - 18.00% |
| Motorcycle |
Up to 60 months |
3.99% - 18.00% |
| Motorcycle (2019-2023) |
72 months |
4.99% - 18.00% |
| RV |
Up to 84 months |
4.99% - 18.00% |
| RV (Over $20K) |
Up to 120 months |
5.99% - 18.00% |
| Boat |
Up to 84 months |
5.99% - 18.00% |
| Boat (Over $20K) |
Up to 120 months |
6.99% - 18.00% |
| Jet Ski, ATV, Tractor, & Mower |
Up to 60 months |
6.99% - 18.00% |
| Share Secured |
|
+3.00%
over underlying shares |
Rates are subject to change.
Maximum rates on loans will be 18% APR as set by NCUA.
*Luxury denotes an auto over $50K financed.
**Auto loans 11 years and older may be financed for up to 48 months.
