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Rates

Personal Loans

APR* as low as Term
Personal Loans 7.99% Up to 12 months
9.50% 13 - 36 months
9.99% 37 - 60 months
Personal Line of Credit 10.99%

APR = Annual Percentage Rate. Effective October 5, 2021 and may change without notice.

EZLOC

APR*
EZLOC (Max $300 Line of Credit) 18.00%

*APR = Annual Percentage Rate. Effective October 5, 2021 and may change without notice.

Share/Certificate Secured Loans

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 October 5, 2021 and are subject to change without notice.

Auto Loans

APR* as low as Term
New Vehicles - Model years 2020 or newer 2.74% Up to 24 Months
2.74% 25 - 36 Months
2.74% 37 - 48 Months
2.94% 49 - 63 Months
3.14% 64 - 75 Months ($14k Minimum)
4.09% 76 - 84 Months ($25k Minimum)
Used Vehicles - Model years 2014 to 2019 3.24% Up to 24 Months
3.24% 25 - 36 Months
3.24% 37 - 48 Months
3.34% 49 - 63 Months
3.54% 64 - 75 Months ($14k Minimum)
Older Model Year Vehicles - Model years 2013 & older 6.65% Up to 24 Months
6.65% 25 - 36 Months
6.65% 37 - 48 Months
6.65% 49-63 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 October 5, 2021, and are subject to change without notice.

Boat Loans

Not to exceed 26 ft in length.

APR* as low as Term
New Boats (New Boat, Motor, Trailer) 4.74% Up to 60 Months
4.74% 61 - 120 Months
4.74% 121 - 144 Months ($30k Min)
Used Boats (Used Boat, Motor, Trailer) 4.99% Up to 60 Months
4.99% 61 - 120 Months
4.99% 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 October 5, 2021 and are subject to change without notice.

Recreational Vehicles

APR* as low as Term
New Personal Watercraft 7.75% Up to 72 Months
Used Personal Watercraft 8.00% Up to 72 Months
New Motorcycles 7.00% Up to 72 Months
Used Motorcycles 7.50% Up to 72 Months
New RVs 4.74% Up to 72 Months
4.74% 73 - 120 Months
4.74% 121 - 144 Months
Used RVs 4.99% Up to 72 Months
4.99% 73 - 120 Months
4.99% 121 - 144 Months
New Other Chattel 7.99% Up to 60 Months
Used Other Chattel 8.99% 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 October 5, 2021 and are subject to change without notice.

Mortgages

Rates Change Daily: Convention~FHA~USDA~VA
Call a Mortgage Specialist 386-328-5555

Home Equity Loans & Lines of Credit

Loan Type Combined Loan to Value APR* as low as Terms
HELOC (any purpose) Up to 100% 5.63% - 15 Year Term Up to 240 months
HELOC (any purpose) Up to 100% 6.50% - 20 Year Term Up to 240 months
Fixed Home Equity Line of Credit Up to 80% 7.50% 180 months
2nd Fixed Home Equity Line of Credit Up to 70% 8.50% 180 months
**Unsecured Home Improvement-ONLY N/A 9.50% Up to 120 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 October 5, 2021 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 $200,000 or **$250,000. Maximum cap 18% APR and floor of 4.00%.

Credit Cards

APR* as low as
VISA Platinum 9.90%
VISA Gold Plus 10.49%
VISA Gold 12.96%

*APR = Annual Percentage Rate. Rates effective as of October 5, 2021 and are subject to change without notice.

Savings Accounts

Minimum to Open APY*
Savings/Clubs (Anticipated) $25,000.01 and over $25** 0.20%
Savings/Clubs (Anticipated) $5,000.01 - $25,000.00 $25** 0.15%
Savings/Clubs (Anticipated) $1,000.01 - $5,000.00 $25** 0.10%
Savings/Clubs (Anticipated) $250.01 - $1,000 $25** 0.05%
Money Market (Anticipated) Less than $2,500.00 $2,500 0.10%
Money Market (Anticipated) $2,500.01 - $10,000.00 $2,500 0.15%
Money Market (Anticipated) $10,000.01 - $50,000.00 $2,500 0.20%
Money Market (Anticipated) $50,000.01 and up $2,500 0.25%

*APY= Annual Percentage Yield.
**Minimum $25 to open; does not apply to club accounts. Share and Club Yield effective October 5, 2021, and may change monthly. Money Market Yields effective October 5, 2021 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

Minimum to Open APY*
6 Month Certificate and IRA Certificates $1,000 0.20%
1 Year Certificate and IRA Certificates $1,000 0.25%
18 Month Certificate and IRA Certificates $1,000 0.30%
2 Year Certificate and IRA Certificates $1,000 0.35%
3 Year Certificate and IRA Certificates $1,000 0.40%
4 Year Certificate and IRA Certificates $1,000 0.45%
5 Year Certificate and IRA Certificates $1,000 0.50%

*APY=Annual Percentage Yield. Yields effective October 5, 2021 and may change daily. Minimum $1,000 to open and early withdrawal penalties may be imposed which may reduce earnings.

Individual Retirement Accounts (IRAs) - Variable

Minimum to Open APY* Term (months)
Traditional, Educational, Roth <$1,000 n/a 0.15% n/a
Traditional, Educational, Roth $1,000-$10,000 n/a 0.25% n/a
Traditional, Educational, Roth >$10,000 n/a 0.35% n/a

*APY = Annual Percentage Yield. Yields effective October 5, 2021. 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

APY*
.01 and Above 0.05%

*APY = Annual Percentage Yield. Yields effective October 5, 2021 and are subject to change without notice.