Personal Loans
| APR* as low as | Term | |||
|---|---|---|---|---|
| Personal Loans | 8.75% | Up to 12 months | ||
| 9.99% | 13 - 36 months | |||
| 10.99% | 37 - 60 months | |||
| Personal Line of Credit | 12.49% |
APR = Annual Percentage Rate. Effective March 1, 2023 and may change without notice.
EZLOC
| APR* | ||||
|---|---|---|---|---|
| EZLOC (Max $300 Line of Credit) | 18.00% |
*APR = Annual Percentage Rate. Effective March 1, 2023 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 March 1, 2023 and are subject to change without notice.
Auto Loans
| APR* as low as | Term | |||
|---|---|---|---|---|
| New Vehicles - Model years 2022 or newer | 5.89% | Up to 48 Months | ||
| 6.09% | 49 - 66 Months | |||
| 6.29% | 67 - 78 Months | |||
| 7.24% | 79 - 84 Months | |||
| Used Vehicles - Model years 2016 to 2021 | 6.39% | Up to 48 Months | ||
| 6.49% | 49 - 66 Months | |||
| 6.69% | 67-78 Months | |||
| 7.44% | 79-84 months | |||
| Older Model Year Vehicles - Model years 2015 & older | 7.65% | Up to 48 Months | ||
| 7.75% | 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 March 1, 2023, 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) | 6.74% | Up to 60 Months | ||
| 6.99% | 61 - 120 Months | |||
| 7.24% | 121 - 144 Months ($30k Min) | |||
| Used Boats (Used Boat, Motor, Trailer) | 6.99% | Up to 60 Months | ||
| 7.24% | 61 - 120 Months | |||
| 7.49% | 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 March 1, 2023 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 | 6.74% | Up to 72 Months | ||
| 6.99% | 73 - 120 Months | |||
| 7.74% | 121 - 144 Months | |||
| Used RVs | 6.99% | Up to 72 Months | ||
| 7.75% | 73 - 120 Months | |||
| 8.24% | 121 - 144 Months | |||
| New Other Chattel | 8.25% | Up to 60 Months | ||
| Used Other Chattel | 9.00% | 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 March 1, 2023 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% | 6.99% - 15 Year Term | up to 180 months | |
| 2nd HELOC (any purpose) | Up to 100% | 7.99% - 15 Year Term | Up to 180 months | |
| HELOC (any purpose) | Up to 100% | 7.49% - 20 Year Term | Up to 240 months | |
| 2nd HELOC (any purpose) | Up to 100% | 8.49% - 20 Year Term | Up to 240 months | |
| Fixed Home Equity Line of Credit | Up to 80% | 7.00% | 180 months | |
| 2nd Fixed Home Equity Line of Credit | Up to 70% | 7.50% | 180 months | |
| **Unsecured Home Improvement-ONLY | N/A | 7.99% | Up to 120 months | |
| **Unsecured Home Improvement-ONLY | N/A | 8.99% | 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 March 1, 2023 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 March 1, 2023 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 March 7, 2023, and may change monthly. Money Market Yields effective March 7, 2023 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 | 1.00% | ||
| 1 Year Certificate and IRA Certificates | $1,000 | 1.51% | ||
| 18 Month Certificate and IRA Certificates | $1,000 | 1.71% | ||
| 2 Year Certificate and IRA Certificates | $1,000 | 1.91% | ||
| 3 Year Certificate and IRA Certificates | $1,000 | 3.04% | ||
| 4 Year Certificate and IRA Certificates | $1,000 | 2.22% | ||
| 5 Year Certificate and IRA Certificates | $1,000 | 2.53% |
*APY=Annual Percentage Yield. Yields effective March 7, 2023 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 | 0.25% | n/a | |
| Traditional, Educational, Roth $1,000-$10,000 | n/a | 0.50% | n/a | |
| Traditional, Educational, Roth >$10,000 | n/a | 1.26% | n/a |
*APY = Annual Percentage Yield. Yields effective March 7, 2023. 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 March 7, 2023 and are subject to change without notice.
