Rates & Fees

Savings Rates  | Certificate Accounts  | Loan Rates  

The dividend rate and annual percentage yield may change at anytime, as determined by the credit union Board of Directors. Rates and terms are accurate as of Wednesday, November 16, 2011 and are subject to change.

Savings Accounts
	Annual Percentage Rate	Annual Percentage Yield
$50.00 - $999.99	.150%	.150%
$1000.00 - $9999.99	.150%	.150%
$10,000.00 & Up	.150%	.150%

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Certificate of Deposit
Regular Certificates	Dividend Rate	Annual Percentage Yield	Minimum Opening Balance	Minimum Balance to Earn Interest	Dividend Compounded/ Credited
6 months	.250%	.250%	$1000.00	$1000.00	at Maturity*
12 months	.450%	.450%	$1500.00	$1500.00	at Maturity*
18 months	.500%	.500%	$5000.00	$5000.00	at Maturity*

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Loan Rates

Rates are subject to change at the discretion of the Board of Directors. Term listed is the maximum term available for qualified borrowers. Other conditions may apply.

Loans	Approximate Term (in months)	Annual Percentage Rate	Collateral
Unsecured
Unsecured Loans - $4500 limit	up to 48	11.00%	N/A
Seasonal(Holiday) Loan - $1500 Limit	up to 12	4.50%	N/A
Secured
Shares Secured - $10,000 or less	up to 60	Share Rate + 4.00%	Shares on Deposit
Shares Secured - $10,001 or more	up to 120	Share Rate + 4.00%	Shares on Deposit
Vehicle
Licensed Highway (2005 or newer)	up to 72	may be as low as 5.00%	$30,000 & up only
Licensed Highway (2005 or newer)	up to 72	may be as low as 5.00%	Purchase Price (new) including tax, title & license
Licensed Highway (2004 or older)	up to 48	11.0000%	NADA clean trade-in value, including tax, title & license
New Motor Home, Trailer, Boats (2004 and newer)	up to 60	may be as low as 5.00%	Purchase Price (new) including tax, title & license
Used Motor Home (2003 and older)	up to 36	11.00%	NADA clean trade-in value, including tax, title & license

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