Savings Account Rates
Effective December 1 -31, 2012
|
Type |
Balance Required |
Dividend Rate |
Annual Percentage Yield |
Savings, Club, IRA and
Loan Payment Savings |
$100 - $999.99 |
.10% |
.10% |
|
$1,000 - $9,999.99 |
.10% |
.10% |
|
$10,000 - $24,999.99 |
.20% |
.20% |
|
$25,000 and over |
.20% |
.20% |
Fees could reduce earnings on this account. Rate may change after account is opened.
Platinum Stripes Checking Account Rates
Effective June 1, 2012
|
Type |
Balance Required |
Dividend Rate |
Annual Percentage Yield |
|
Platinum Stripes
Interest Bearing
Checking
|
$1,000 - $4,999.99 |
.07% |
.07% |
|
$5,000 and over |
.10% |
.10% |
Fees could reduce earnings on this account. Rate may change after account is opened.
Money Market Account Rates
Effective June 1, 2012
|
Type |
Balance Required |
Dividend Rate |
Annual Percentage Yield |
|
Money Market
Accounts
|
$2,500 - $24,999.99 |
.12% |
.12% |
|
$25,000 - $74,999 |
.27% |
.27% |
|
$75,000 and over |
.45% |
.45% |
Fees could reduce earnings on this account. Rate may change after account is opened.
Share Certificate and IRA Account Rates
Effective October 23, 2012
|
Balance Required |
Term |
Dividend Rate |
Annual Percentage Yield |
|
$500 Minimum
Dividends paid monthly
Penalty will be imposed for early withdrawal
|
1 month |
.05% |
.05% |
|
3 months |
.20% |
.20% |
|
6 months |
.30% |
.30% |
|
12 months |
.50% |
.50% |
|
18 months |
.55% |
.55% |
|
24 months |
.75% |
.75% |
|
30 months |
.85% |
.85% |
|
36 months |
.90% |
.95% |
|
48 months |
1.19% |
1.20% |
|
60 months |
1.44% |
1.45% |
|
Balance Required |
Term |
Dividend Rate |
Annual Percentage Yield |
|
Jumbo Rates
$100,000 and over
Dividends paid monthly
Penalty will be imposed for early withdrawal
|
1 month |
.07% |
.07% |
|
3 months |
.22% |
.22% |
|
6 months |
.32% |
.32% |
|
12 months |
.52% |
.52% |
|
18 months |
.57% |
.57% |
|
24 months |
.77% |
.77% |
|
30 months |
.87% |
.87% |
|
36 months |
.97% |
.97% |
|
48 months |
1.21% |
1.22% |
|
60 months |
1.46% |
1.47% |
Fees could reduce earnings on this account. Rate may change after account is opened.
APY - Annual Percentage Yield is based on compounded dividends.
Consumer Loans
Effective February 1, 2013
|
Type |
Loan Amount |
Term |
Annual Percentage Rate
as low as |
|
Signature Loan |
Up to $20,000 |
12 months |
6.99% |
|
$1,000.01 - $20,000 |
24 months |
7.49% |
|
$2,000.01 - $20,000 |
36 months |
7.99% |
|
$3,000.01 - $20,000 |
48 months |
8.24% |
|
$5,000.01 - $20,000 |
60 months |
8.74% |
Loan rates are in effect as of date shown. Rates are our lowest available and are subject to change without notice. Your rate is determined by individual circumstances and may be higher. Shares or certificates in the credit union may be used to secure loans and will be granted the same rate as new vehicles, with a minimum of 2% interest above the rate of return of the secured collateral.
|
Type |
Model Year |
Term |
Annual Percentage Rate
as low as |
Vehicle Loan
or
Boat Loan |
2014-2012 |
24-51 months |
1.89% |
|
52-63 months |
1.99% |
|
64-75 months |
2.74% |
|
76-84* months |
4.49% |
|
2011-2009 |
24-51 months |
2.69% |
|
52-63 months |
2.99% |
|
64-75 months |
3.49% |
|
2008-2006 |
24-63 months |
4.49% |
|
2005 & Older |
24-48 months |
5.29% |
|
*84 months minimum loan of $30,000 |
Loan rates are in effect as of date shown. Rates are our lowest available and are subject to change without notice. Your rate is determined by individual circumstances and may be higher. Shares or certificates in the credit union may be used to secure loans and will be granted the same rate as new vehicles, with a minimum of 2% interest above the rate of return of the secured collateral.
|
Type |
Loan Amount |
Term |
Annual Percentage Rate
as low as |
Motorcycle, Scooter, Snowmobile,
Personal Watercraft, ATV and Trailer Loans |
Up to $5,000 |
up to 48 months |
6.74% |
|
$5,000.01 - $9,999.99 |
up to 60 months |
6.24% |
|
$10,000 or more |
up to 60 months |
5.24% |
|
$10,000 or more |
up to 72 months |
5.95% |
Loan rates are in effect as of date shown. Rates are our lowest available and are subject to change without notice. Your rate is determined by individual circumstances and may be higher. Shares or certificates in the credit union may be used to secure loans and will be granted the same rate as new vehicles, with a minimum of 2% interest above the rate of return of the secured collateral.
Home Equity Loan & Home Equity Line of Credit (HELOC) Rates
Effective May 1, 2011
|
Type |
Loan Amount |
Term |
Annual Percentage Rate |
|
Home Equity Loan |
Up to $100,000 |
up to 180 months |
As low as 3.75% fixed |
|
Fixed rate home equity loan up to 95% Loan to Value (LTV) |
Loan rates are in effect as of date shown. Rates are our lowest available and are subject to change without notice. Your rate is determined by individual circumstances and may be higher. Shares or certificates in the credit union may be used to secure loans and will be granted the same rate as new vehicles, with a minimum of 2% interest above the rate of return of the secured collateral.
|
Type |
Line Amount |
Term |
Annual Percentage Rate |
Home Equity
Line of Credit |
$2,000 - $10,000 |
up to 72 months |
Variable, WSJ Prime Rate |
|
Over $10,000.01 |
up to 120 months |
Variable, WSJ Prime Rate |
|
Home Equity Line of Credit up to 90% LTV |
Loan rates are in effect as of date shown. Rates are our lowest available and are subject to change without notice. Your rate is determined by individual circumstances and may be higher. Shares or certificates in the credit union may be used to secure loans and will be granted the same rate as new vehicles, with a minimum of 2% interest above the rate of return of the secured collateral.
Mortgage Loan Rates
Effective February 1, 2013
|
Type |
Loan Amount |
Annual Percentage Rate with escrow |
Annual Percentage Rate without escrow |
30 Year
Fixed Mortgage |
$30,000 - $59,999 |
3.500% |
3.625% |
|
$60,000 - $99,999 |
3.500% |
3.500% |
|
$100,000 - $179,999 |
3.500% |
3.500% |
|
Over $180,000 |
3.500% |
3.625% |
|
Purchase and rate/term refinances up to 95% LTV and up to 70% LTV on cash out refinances. Higher LTV percent cash out refinances available. Call for details. |
Loan rates are in effect as of date shown. Rates are our lowest available and are subject to change without notice. Your rate is determined by individual circumstances and may be higher. Shares or certificates in the credit union may be used to secure loans and will be granted the same rate as new vehicles, with a minimum of 2% interest above the rate of return of the secured collateral.
|
Type |
Loan Amount |
Annual Percentage Rate with escrow |
Annual Percentage Rate without escrow |
|
15-Year
Fixed Mortgage
|
$30,000 - $59,999 |
3.000% |
3.000% |
|
$60,000 - $99,999 |
2.875%` |
2.875% |
|
$100,000 - $139,999 |
2.875% |
2.875% |
|
Over $140,000 |
2.875% |
2.875% |
|
Purchases and rate/term refinances up to 95% LTV and up to 70% LTV on cash out refinances. Higher LTV percent cash out refinances available. Call for details. |
The above rates are for conventional mortgages.
-
Up to 95% Loan to Value (LTV) available for purchases to qualified buyers.
-
We do not charge points for the rates listed, however, if you wish to "buy down" to a lower rate, please contact the credit union for point and rate information.
-
Approximate time for most mortgage transactions is 30 days.
-
Up to 85% LTV cash out refinances available.
Contact us with any questions you may have on your mortgage loan transactions. You can calculate the approximate monthly payment using our mortgage loan calculator.
Loan rates are in effect as of date shown. Rates are our lowest available and are subject to change without notice. Your rate is determined by individual circumstances and may be higher. Shares or certificates in the credit union may be used to secure loans and will be granted the same rate as new vehicles, with a minimum of 2% interest above the rate of return of the secured collateral.