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Rates

Auto Loans

APR* as low as Term (months)
Vehicles 2009 and Newer 2.14% up to 48
2.50% 63
Vehicles 2009 and Newer (Min $12k loan amount) 3.24% 75
Used Vehicles 2009 & Newer 5.00% up to 84
Used Vehicles 2004-2008 6.25% up to 48
Used Vehicles 2003 & Older 9.25% up to 48

Note: Autos over 80,000 miles bump .50% N/A 17.75% & 18% rates or Repos
*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 January 6, 2017 and are subject to change without notice.

Share/Certificate Secured Loans

APR* as low as Term (months)
Share-Secured Loans up to 180 month term 3.20% up to 180
Certificate-Secured Loans Rate+ 2.50% up to 60

Personal Loans

APR* as low as Term (months)
Personal Loans 9.25% up to 36
9.74% 37 to 60

Lifestyle Loans

APR* as low as Term (months)
Lifestyle Loans (Min $1k loan) 6.00% up to 60

Mortgages

Rates Change Daily: Convention~FHA~USDA~VA
Call a Mortgage Specialist 386-328-5555 or 800-635-7128

Home Equity Loans & Lines of Credit

Loan Type Combined Loan to Value APR* as low as Terms
**Unsecured Home Improvement-ONLY n/a 5.50% up to 120 months
**Fixed 1st or 2nd Home Equity Line of Credit up to 100% 6.50% up to 240 months
**2nd Mortgage Purchase Loan up to 100% 7.25% up to 360 months
Fixed Home Equity Line of Credit up to 80% 7.25% up to 180 months
2nd Fixed Home Equity Line of Credit up to 70% 1% bump 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 January 6, 2017 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 January 6, 2017 and are subject to change without notice.

Savings Accounts

Minimum to Open APY*
Savings/Clubs (Anticipated) $25,000.01 and over $25** .20%
Savings/Clubs (Anticipated) $5,000.01 - $25,000.00 $25** .15%
Savings/Clubs (Anticipated) $1,000.01 - $5,000.00 $25** .10%
Savings/Clubs (Anticipated) $250.01 - $1,000 $25** .05%
Money Market (Anticipated) Less than $2,500.00 $2,500 .10%
Money Market (Anticipated) $2,500.01 to $10,000.00 $2,500 .15%
Money Market (Anticipated) $10,000.01 to $50,000.00 $2,500 .20%
Money Market (Anticipated) $50,000.01 and up $2,500 .25%

*APY= Annual Percentage Yield.
**Minimum deposit to open does not apply to Club Accounts. Share and Club Yields effective January 6, 2017 and may change monthly. Money Market Yields effective January 6, 2017. Rates are subject to change without notice. The rate may change after account opening. Fees may reduce earnings on account.

Certificates of Deposit and IRA Certificates

Minimum to Open APY*
6 Month Certificate and IRA Certificates $1,000 .25%
1 Year Certificate and IRA Certificates $1,000 .35%
18 Month Certificate and IRA Certificates $1,000 .45%
2 Year Certificate and IRA Certificates $1,000 .55%
3 Year Certificate and IRA Certificates $1,000 .65%
4 Year Certificate and IRA Certificates $1,000 .80%
5 Year Certificate and IRA Certificates $1,000 1.20%

*APY=Annual Percentage Yield. Yields effective January 6, 2017 and may change daily. 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 .15% n/a
Traditional, Educational, Roth $1,000-$10,000 n/a .25% n/a
Traditional, Educational, Roth >$10,000 n/a .50% n/a

*APY = Annual Percentage Yield. Yields effective January 6, 2017. 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%

*APR = Annual Percentage Yield. Yields effective January 6, 2017 and are subject to change without notice.

Recreational Vehicles

APR* as low as Term (months)
New Boat, Motor, Trailer 4.00% up to 72
New Boat, Motor, Trailer (over $30k loan amount) 5.00% 73 to 120
Used Boat, Motor, Trailer 4.50% up to 72
Used Boat, Motor, Trailer (over $30k loan amount) 5.25% 73 to 120
New & Used Personal Watercraft 5.50% up to 60
New Motorcycles and 4-Wheelers 5.50% up to 60
Used Motorcycles and 4-Wheelers 6.00% up to 60
New RVs 6.75% up to 144
Used RVs 7.75% up to 144
Used Farm and Lawn Tractors 6.00% up to 72
New & Used Other Chattel 7.74%

*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 January 6, 2017 and are subject to change without notice.

Consumer Loans

APR* as low as Term (months)
Personal Line of Credit 9.99%
EZLOC 18.00%

*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 January 6, 2017 and are subject to change without notice.

EZLOC

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

*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 January 6, 2017 and are subject to change without notice.