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Loan & Savings Rates

Auto Loan Rates

Type APR (as low as)
New Auto - Fixed 6.99%
Used Auto - Fixed 7.24%
Driving Sense - New 6.99%
Driving Sense - Used 7.24%
New RVs, Motor Homes, Antique Vehicles, Travel Trailers, & Motorcycles 8.90%
Title Secured 8.05%

APR = Annual Percentage Rate.  Rates are subject to change, are based on an individual’s credit history, & includes a .25% discount for repayment via Payroll Deduction or Automatic Transfer from a Benchmark Account.

VISA® Credit Card Rates

Card Type APR (as low as)
Visa Platinum (Low Rate) 9.90% - 17.90% APR
Visa Platinum CashBack 11.90% - 18.00% APR
Visa Signature Rewards (Variable Rate) 15.90% - 18.00% APR

APR = Annual Percentage Rate.  Rates are subject to change & based on an individual’s credit history.

Personal Loan Rates

Type APR (as low as)
Unsecured 10.50%
Unsecured Line of Credit 9.75%
Share Secured Varies*
Certificate Secured (excludes IRAs & Step-Ups) Varies*

APR = Annual Percentage Rate.  Rates are subject to change, are based on an individual’s credit history, & includes a .25% discount for repayment via Payroll Deduction or Automatic Transfer from a Benchmark Account.

*Share & Certificate Secured Loan Rates = collateral percentage plus 3%.

Ultimate Home Equity Line of Credit (HELOC) Rates

Term APR (as low as)
Variable 8.25% Intro Rate for 6 months

APR = Annual Percentage Rate.  8.25% APR Introductory Rate is valid for 6 months then rate will convert to the rate member qualified for at time of application.  Rates are subject to change & based on an individual’s credit history.

Fixed Home Equity Loan Rates (81-90% Loan to Value)

Term APR (as low as)
Up to 36 Months 8.49%
Up to 60 Months 8.74%
Up to 120 Months 9.49%
Up to 180 Months 9.99%

APR = Annual Percentage Rate.  Rates are subject to change & based on an individual’s credit history.

Fixed Home Equity Loan Rates (up to 80% Loan to Value)

Term APR (as low as)
Up to 36 Months 8.24%
Up to 60 Months 8.49%
Up to 120 Months 9.24%
Up to 180 Months 9.74%

APR = Annual Percentage Rate.  Rates are subject to change & based on an individual’s credit history.

Mortgage Rates

Term Rate APR Points
Fixed - 15 Year 5.875% 5.962% 0
Fixed - 15 Year 5.500% 5.742% 1
Fixed - 20 Year 6.375% 6.445% 0
Fixed - 20 Year 5.875% 6.070% 1
Fixed - 30 Year 6.625% 6.679% 0
Fixed - 30 Year 6.250% 6.399% 1

+The published rate and APR is based on a $450,000 purchase price and $360,000 loan amount. Rates are subject to change without notice. Rates are subject to adjustment based on a review of specific details for the transaction, credit review, and collateral evaluation.

 

Step-Up Certificate Rates

Term Minimum Balance APR APY
24 Month $2,500 3.45% 3.50%
30 Month $2,500 3.45% 3.50%
36 Month $2,500 3.69% 3.75%
48 Month $2,500 3.45% 3.50%
60 Month $2,500 3.20% 3.25%

APR = Annual Percentage Rate.  APY= Annual Percentage Yield.  Rates/Yields are subject to change.  Penalty for early withdrawal.

New step-up rate must be rate in effect on the date requested for certificate rate to be increased and must be the same term as the original certificate.  This does not extend the maturity of the certificate.

Certificate Rates

Term Minimum Balance APR APY
3 Month $500 4.41% 4.50%
6 Month $500 4.51% 4.60%
12 Month $500 4.65% 4.75%
18 Month $500 4.17% 4.25%
24 Month $500 3.93% 4.00%
30 Month $500 3.93% 4.00%
36 Month $500 4.17% 4.25%
48 Month $500 3.93% 4.00%
60 Month $500 3.69% 3.75%

APR = Annual Percentage Rate.  APY = Annual Percentage Yield.  Rates/Yields subject to change.  Penalty for early withdrawal.

Share Account Rates

Account Balance APR APY
Share Savings / IRA Shares $5 -$24,999 0.01% 0.01%
$25,000+ 0.05% 0.05%
Vacation & Holiday Accounts $5+ 0.01% 0.01%
Money Market $1,000+ 0.05% 0.05%
High Yield Savings $75,000+ 0.50% 0.50%

APR = Annual Percentage Rate.  APY = Annual Percentage Yield.  Rates/Yields subject to change.

High Yield Money Maker Rates

Balance APR APY
$25,000 - $49,999.99 0.05% 0.05%
$50,000+ 0.10% 0.10%

APR = Annual Percentage Rate.  APY = Annual Percentage Yield.  Rates/Yields are subject to change.

Ultimate Saver Account Rates

Balance APR APY
$0 - $10,000 0.25% 0.25%
$10,000+ 0.10% 0.25% to 0.12%
All balances if qualifications not met 0.05% 0.05%

APR = Annual Percentage Rate.  APY = Annual Percentage Yield.  This is a variable rate account and rates/yields are effective as of 7/1/2023, but are subject to change at the Credit Union’s discretion without prior notice.

Monthly Qualifications:

Qualifying for your Ultimate Checking rewards automatically qualifies you for the highest Ultimate Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Ultimate Checking during each Monthly Qualification Cycle:

  • At least 12 Signature or PIN-based Debit Card purchases
  • Be enrolled in and agree to receive eStatements

It’s no problem if you miss a qualification cycle. Both accounts are still FREE, and your Ultimate Saver will earn our base dividend rate. Then you can get back to earning rewards the very next month you qualify.

Saver & High Yield Checking Account Package Rates

Balance APR APY
$0 - $25,000 4.89% 5.00%
$25,000+ 3.00% Range between 5.00% & 3.40%
All balances if qualifications not met 0.05% 0.05%

APR = Annual Percentage Rate.  APY = Annual Percentage Yield.  These are variable rate accounts, rates/yields are effective as of 9/1/2023, but are subject to change at Credit Unions discretion without prior notice.

Monthly Qualifications:

Qualifying for your High Yield Checking rewards automatically qualifies you for the highest Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your High Yield Checking during each Monthly Qualification Cycle:

  • At least 12 Signature or PIN-based Debit Card purchases
  • Be enrolled in and agree to receive eStatements

It’s no problem if you miss a qualification cycle. Both accounts are still FREE, and will earn our base dividend rate. Then you can get back to earning rewards the very next month you qualify.

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