Personal Loans
Type
|
APR* as low as
|
Term
|
---|---|---|
Personal Loan
|
10.00%
|
Up to 12 Months
|
|
11.00%
|
13-36 Months
|
|
13.00%
|
37-60 Months
|
Personal Line of Credit
|
16.24%
|
|
*APR = Annual Percentage Rate. Effective November 15, 2024 and may change without notice.
EZLOC
Type
|
APR*
|
---|---|
EZLOC (Max $300 Line of Credit)
|
18.00%
|
*APR = Annual Percentage Rate. Effective November 15, 2024 and may change without notice.
Share/Certificate Secured Loans
Type
|
APR* as low as
|
Term
|
---|---|---|
Share-Secured Loans
|
Share +3.00%
|
Up to 180 months
|
Certificate-Secured Loans
|
Cert + 2.50%
|
Up to 60 months
|
*APR= Annual Percentage Rate. Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for. Rates effective as of November 15, 2024 and are subject to change without notice.
Auto Loans
Type
|
APR* as low as
|
Term
|
---|---|---|
New Vehicles - Model years 2023 or newer
|
5.64%
|
Up to 48 months
|
|
5.84%
|
49 - 66 Months
|
|
6.09%
|
67 - 78 Months
|
|
6.84%
|
79 - 84 Months
|
Used Vehicles - Model years 2016 to 2022
|
5.99%
|
Up to 48 Months
|
|
6.19%
|
49 - 66 Months
|
|
6.44%
|
67-78 Months
|
|
7.19%
|
79-84 months
|
Older Model Year Vehicles - Model years 2015 & older
|
8.60%
|
Up to 48 Months
|
|
8.70%
|
49-66 Months
|
Note: Autos over 80,000 miles bump rate by .50% Not to exceed 18%
*APR = Annual Percentage Rate. Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for. Rates effective as of November 15, 2024, and are subject to change without notice.
Boat Loans
Type
|
APR* as low as
|
Term
|
---|---|---|
New Boats (New Boat, Motor, Trailer)
|
6.89%
|
Up to 60 Months
|
|
6.99%
|
61 - 120 Months
|
|
7.69%
|
121 - 144 Months ($30k Min)
|
Used Boats (Used Boat, Motor, Trailer)
|
7.14%
|
Up to 60 Months
|
|
7.24%
|
61 - 120 Months
|
|
7.89%
|
121 - 144 Months ($30k Min)
|
*APR = Annual Percentage Rate. Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for. Rates effective as of November 15, 2024 and are subject to change without notice.
Recreational Vehicles
Type
|
APR* as low as
|
Term
|
---|---|---|
New Personal Watercraft
|
8.15%
|
Up to 72 Months
|
Used Personal Watercraft
|
8.35%
|
Up to 72 Months
|
New Motorcycles
|
7.50%
|
Up to 72 Months
|
Used Motorcycles
|
8.00%
|
Up to 72 Months
|
New RVs
|
8.34%
|
Up to 72 Months
|
|
8.49%
|
73-120 Months
|
|
9.24%
|
121-144 Months
|
Used RVs
|
8.59%
|
Up to 72 Months
|
|
9.25%
|
73-120 Months
|
|
9.74%
|
121-144 Months
|
New Other Chattel
|
10.50%
|
Up to 60 Months
|
Used Other Chattel
|
11.50%
|
Up to 60 Months
|
*APR = Annual Percentage Rate. Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for. Rates effective as of November 15, 2024 and are subject to change without notice.
HELOC Fixed
Type
|
Combined Loan to Value
|
APR* as low as
|
Term
|
---|---|---|---|
HELOC (any purpose)
|
Up to 100%
|
8.49%
|
Up to 180 months
|
2nd HELOC (any purpose)
|
Up to 100%
|
9.49%
|
Up to 180 Months
|
HELOC (any purpose)
|
Up to 100%
|
8.99%
|
Up to 240 Months
|
2nd HELOC (any purpose)
|
Up to 100%
|
9.99%
|
Up to 240 Months
|
Fixed Home Equity Line of Credit
|
Up to 80%
|
9.00%
|
Up to 180 Months
|
2nd Fixed Home Equity Line of Credit
|
Up to 70%
|
10.00%
|
Up to 180 Months
|
Unsecured Home Improvement ONLY ($10,000)
|
N/A
|
10.99%
|
Up to 120 Months
|
Unsecured Home Improvement ONLY ($25,000)
|
N/A
|
12.99%
|
Up to 180 Months
|
Note: Closed End Note/Disclosure may show a final varying payment that increases the term 1 month. Rate will be based on internal projection by lender.
*APR = Annual Percentage Rate (estimated). The fixed annual percentage rate under this plan is not based on an index. It is based upon a fixed rate and the market conditions at the time of commitment. Owner-occupied property only. Property and flood insurance may be required. Rates effective as of November 15, 2024 and are subject to change without notice. Credit approval, satisfactory appraisal and other conditions apply. Credit Union will pay all closing fees generally ranging from $0.00 to $1,350 except for the member paid appraisal and if HELOC is closed within 24 months of the open date. Home Equity Lines of Credit are available up to $250,000. Maximum cap 18% APR and floor of 4.00%.
Credit Cards
*APR = Annual Percentage Rate. Rates effective as of November 18, 2024 and are subject to change without notice.
Type
|
APR* as low as
|
---|---|
Visa Platinum
|
9.90%
|
Visa Gold Plus
|
10.49%
|
Visa Gold
|
12.96%
|
Savings Accounts
Type
|
Rate
|
APY*
|
---|---|---|
Savings/Clubs (Anticipated) $250.01 - $1,000
|
0.15%
|
0.15%
|
Savings/Clubs (Anticipated) $1,000.01 - $5,000.00
|
0.20%
|
0.20%
|
Savings/Clubs (Anticipated) $5,000.01 - $25,000.00
|
0.25%
|
0.25%
|
Savings/Clubs (Anticipated) $25,000.01 and over
|
0.40%
|
0.40%
|
Money Market (Anticipated) Less than $2,500.00
|
0.15%
|
0.15%
|
Money Market (Anticipated) $2,500.01 - $10,000.00
|
0.25%
|
0.25%
|
Money Market (Anticipated) $10,000.01 - $50,000.00
|
0.30%
|
0.30%
|
Money Market (Anticipated) $50,000.01 and up
|
0.40%
|
0.40%
|
*APY= Annual Percentage Yield.
**Minimum $25 to open; does not apply to club accounts. Share and Club Yield effective November 4, 2024, and may change monthly. Money Market Yields effective November 15, 2024 with a minimum $2,500 to open. Rates are subject to change without notice. The rate may change after account opening. Fees may reduce earnings on the account.
Certificates of Deposit and IRA Certificates
Type
|
Rate
|
APY*
|
---|---|---|
6 Month Certificate and IRA Certificates
|
2.96%
|
3.00%
|
1 Year Certificate and IRA Certificates
|
3.06%
|
3.10%
|
18 Month Certificate and IRA Certificates
|
3.20%
|
3.25%
|
2 Year Certificate and IRA Certificates
|
2.71%
|
2.75%
|
3 Year Certificate and IRA Certificates
|
1.90%
|
1.92%
|
4 Year Certificate and IRA Certificates
|
1.70%
|
1.71%
|
5 Year Certificate and IRA Certificates
|
1.50%
|
1.51%
|
*APY=Annual Percentage Yield. Yields effective November 15, 2024 and may change without notice. Minimum $1,000 to open and early withdrawal penalties may be imposed which may reduce earnings.
Individual Retirement Accounts (IRAs) - Variable
Type
|
Rate
|
APY*
|
Terms (months)
|
---|---|---|---|
Traditional, Educational, Roth <$1,000
|
0.25%
|
0.25%
|
N/A
|
Traditional, Educational, Roth $1,000-$10,000
|
0.50%
|
0.50%
|
N/A
|
Traditional, Educational, Roth >$10,000
|
1.25%
|
1.26%
|
N/A
|
*APY = Annual Percentage Yield. Yields effective November 15, 2024 . Early withdrawal penalties may be imposed which may reduce earnings. For Variable rate accounts, rates may change after account opening. Fees may reduce earnings on the account.
Interest Checking
Type
|
Rate
|
APY*
|
---|---|---|
.01 and Above
|
0.05%
|
0.05%
|
*APY = Annual Percentage Yield. Yields effective November 15, 2024 and are subject to change without notice.