Rates

Rates are subject to change please contact the Credit Union for current rates.

Last update 11/1/2023


Take .25% off posted rates if you qualify for the Advantage Club Discount
A late charge of $35.00 will be added to any loan past due 15 days, except Home Equity Loans, which are 5% of your regular monthly payment after 20 days and Indirect Auto Loans, which are 2% of the delinquent amount after 10 days delinquent..
Rates as low as the following APR's. (Actual rate is based upon your credit history and current credit report scores.)

Loans

Rate APR* Term
Personal Loan $500 - $10,000   9.50% 60
Share Secured Loan - 2.00% above share rate   0.000% 120
Share Certificates Secured Loan - 2.0% above rate of the Share Certificates   0.000% 120
New Vehicle Loan (Includes Motorcycles) 2024-2023 (Quads add 2% to rate)    5.50% 48
New Vehicle Loan (Includes Motorcycles) 2024-2023 (Quads add 2% to rate)    6.00% 60
New Vehicle Loan (Includes Motorcycles) 2024-2023 (Quads add 2% to rate)   6.50% 72 
New RVs 2024-2023   8.000% 120 
Used Vehicle Loan (Includes Motorcycles) 2022 -2016 (Quads add 2% to rate)   6.00% 36
Used Vehicle Loan (Includes Motorcycles) 2022 -2016 (Quads add 2% to rate)   6.50% 48
Used Vehicle Loan (Includes Motorcycles) 2022 -2016 (Quads add 2% to rate)   7.00% 60 
Older Used Vehicles (Inc. Motorcycles) 2015-2005 (Quads add 2% to rate)   10.00% 36
Classic Car Loan   9.250% 60
Used RVs 2022-2004   10.00% 72 
New Boat Loans   9.75% 84 
Used Boat Loans   11.75% 60
Home Equity Loan (Fixed Rate)  NMLS#402219   6.50% 60
Home Equity Loan (Fixed Rate)  NMLS#402219   6.75% 120
Home Equity Loan (Fixed Rate)  NMLS#402219   7.00% 180
HELOC - Inquire at Office **      NMLS#402219   0.000% n/a
Home Mortgages - Inquire at Office   0.000% n/a 
Home Mortgages - Inquire at Office   0.000% n/a 
Home Mortgages - Inquire at Office   0.000% n/a
VISA - Platinum Card - No Annual Fee   9.900% n/a
VISA - Classic Card - No Annual Fee   12.900% n/a

*APR = Annual Percentage Rate
**Index based on the Wall Street Journal Prime

Savings

Dividend Rate APY* Term
Regular Shares .15% .15% n/a
Vacation Shares .15% .15% n/a
Christmas Club .15% .15% n/a
IRA Shares 1.00% 1.01% n/a
Roth IRA Shares 1.00% 1.01% n/a

*APY = Annual Percentage Yield

Share Certificates

Minimum Deposit Dividend Rate APY* Term
Share Certificates (terms by month) $500 1.25% 1.25% 3
Share Certificates (terms by month) $500 2.25% 2.26% 6
Share Certificates (terms by month) $500 3.50% 3.54% 12
Share Certificates (terms by month) $500 3.70% 3.75% 24
Share Certificates (terms by month) $500 3.90% 3.95% 36

*APY = Annual Percentage Yield