Rates

The following account rates have been declared for the period of:
7/1/2017 to 9/30/2017

 

Personal Savings & Checking Accounts
Product Balance Annual Percentage Yield (APY) Rate

Dividends for all above accounts are paid quarterly on the daily balance. Savings and Checking Account dividends will be declared by the Board of Directors at the end of each quarter. The above yields represent what was paid during the above quarter. Law prohibits the payment of dividends in excess of the credit union’s available earnings.

Membership Savings (S1) 0. to 99. 0.00% 0.00%
100. to 499. 0.10% 0.10%
500. to 2,499. 0.10% 0.10%
2,500. to 9,999. 0.10% 0.10%
10,000.+ 0.10% 0.10%
Special Savings (S2) 0. to 499. 0.10% 0.10%
500. to 2,499. 0.10% 0.10%
2,500. to 9,999. 0.10% 0.10%
10,000.+ 0.10% 0.10%
Holiday Club (S9) All 0.10% 0.10%
Youth Savings (S18) All 0.11% 0.11%
Health Savings (S26) All 0.15% 0.15%
Interest Checking (S5) All 0.10% 0.10%

 

The following account rates have been declared for the month of:
September 2017

 

Personal Liquid Assets Accounts
Type Balance Annual Percentage Yield (APY) Rate

Dividends for Liquid Assets accounts are calculated on the daily balance and are paid monthly. Dividends are declared by the Board of Directors at the end of each month.

Liquid Assets (S7) 0. to 9,999. 0.10% 0.10%
10,000. to 24,999. 0.10% 0.10%
25,000. to 49,999. 0.12% 0.12%
50,000. to 74,999. 0.13% 0.13%
75,000. + 0.15% 0.15%

 

The following account rates are effective as of:
November 15, 2017

 

Savings Certificates: $500 to $9,999
Term Annual Percentage Yield (APY) Rate

Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.

90 to 181 Days N/A N/A
182 to 364 days (I63) 0.30% 0.30%
12 to 23 months (I66) 0.55% 0.55%
24 to 35 months (I69) 1.21% 1.20%
36 to 47 months (I72) 1.36% 1.35%
48 to 59 months (I75) 1.66% 1.65%
60 months (I78) 2.17% 2.15%
Savings Certificates: $10,000 to $74,999
Term Annual Percentage Yield (APY) Rate

Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.

90 to 181 Days (I61) 0.30% 0.30%
182 to 364 days (I64) 0.35% 0.35%
12 to 23 months (I67) 0.60% 0.60%
24 to 35 months (I70) 1.26% 1.25%
36 to 47 months (I73) 1.41% 1.40%
48 to 59 months (I76) 1.71% 1.70%
60 months (I79) 2.22% 2.20%
Savings Certificates: $75,000 +
Term Annual Percentage Yield (APY) Rate

Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.

90 to 181 Days (I62) 0.30% 0.30%
182 to 364 days (I65) 0.35% 0.35%
12 to 23 months (I68) 0.60% 0.60%
24 to 35 months (I71) 1.26% 1.25%
36 to 47 months (I74) 1.41% 1.40%
48 to 59 months (I77) 1.71% 1.70%
60 months (I80) 2.22% 2.20%
The following account rates have been declared for the period of:
7/1/2017 to 9/30/2017

 

Individual Retirement Accounts (IRA)
Account Type Balance Annual Percentage Yield (APY) Rate

Dividends for all above accounts are paid quarterly on the daily balance. Savings account dividends will be declared by the Board of Directors at the end of each quarter. The above yields represent what was paid during the above quarter. Law prohibits the payment of dividends in excess of the credit union’s available earnings.

Traditional IRA Savings (S20) All 0.12% 0.12%
Roth IRA Savings (S21) All 0.12% 0.12%
Education IRA Savings (S23) All 0.12% 0.12%
SEP IRA Savings (S24) All 0.12% 0.12%

 

The following account rates are effective as of:
November 15, 2017
Traditional IRA Certificates
Term Annual Percentage Yield (APY) Rate

Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.

12 to 23 months (I8) 0.60% 0.60%
24 to 35 months (I9) 1.26% 1.25%
36 to 47 months (I10) 1.41% 1.40%
48 to 59 months (I11) 1.71% 1.70%
60 months (I12) 2.22% 2.20%
Roth IRA Certificates
Term Annual Percentage Yield (APY) Rate

Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.

12 to 23 months (I18) 0.60% 0.60%
24 to 35 months (I19) 1.26% 1.25%
36 to 47 months (I20) 1.41% 1.40%
48 to 59 months (I21) 1.71% 1.70%
60 months (I22) 2.22% 2.20%
Coverdell Education Savings Account (ESA) Certificates
Term Annual Percentage Yield (APY) Rate

Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.

12 to 23 months (I38) 0.60% 0.60%
24 to 35 months (I39) 1.26% 1.25%
36 to 47 months (I40) 1.41% 1.40%
48 to 59 months (I41) 1.71% 1.70%
60 months (I42) 2.22% 2.20%
Simplified Employee Pension (SEP) IRA Certificates
Term Annual Percentage Yield (APY) Rate

Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.

12 to 23 months (I48) 0.60% 0.60%
24 to 35 months (I49) 1.26% 1.25%
36 to 47 months (I50) 1.41% 1.40%
48 to 59 months (I51) 1.71% 1.70%
60 months (I52) 2.22% 2.20%
The following account rates have been declared for the the month of:
September 2017

 

Business Checking Accounts
Product Annual Percentage Yield (APY) Rate

Dividends declared for Business Checking accounts are calculated on the daily balance and paid monthly. Dividends are declared by the Board of Directors at the end of each month. Please refer to your “Important Account Information” booklet for full details, terms, and conditions.

Business Interest Checking (S52, S62) 0.05% 0.05%
Business Analysis Account (S56, S66) 0.02% 0.02%
Business Transfer Account (S57) 0.05% 0.05%
Business Liquid Asset Accounts
Product Balance Annual Percentage Yield (APY) Rate

Dividends declared for Business Liquid Asset accounts are calculated on the daily balance and paid monthly. Dividends are declared by the Board of Directors at the end of each month. Please refer to your “Important Account Information” booklet for full details, terms, and conditions.

Business Liquid Assets (S70) 0. to 9,999. 0.10% 0.10%
10,000. to 24,999. 0.10% 0.10%
25,000. to 49,999. 0.12% 0.12%
50,000. to 74,999. 0.13% 0.13%
75,000. + 0.15% 0.15%

 

The following account rates have been declared for the period of:
7/1/2017 through 9/30/2017

 

Business Savings Accounts
Product Balance Annual Percentage Rate (APY) Rate

Dividends for the above accounts are paid quarterly on the daily balance. Savings and checking accounts will be declared by the Board of Directors at the end of each quarter. The above yields represent what was paid during the above quarter. Law prohibits the payment of dividends in excess of the credit union’s available earnings.

Business Membership Savings (S50) 0. to 99. 0.00% 0.00%
100. to 499. 0.10% 0.10%
500. to 2,499. 0.10% 0.10%
2,500. to 9,999. 0.10% 0.10%
10,000. + 0.10% 0.10%
Business Special Savings (S55) 0. to 499. 0.10% 0.10%
500. to 2,499. 0.10% 0.10%
2,500. to 9,999. 0.10% 0.10%
10,000. + 0.10% 0.10%
The following account rates are effective as of:
November 15, 2017

 

Fixed Real Estate Loans
Term of Loan Annual Percentage Rate (APR) as low as Rate Points
  • Up to 95% LTV on Purchases & Rate/Term Refinances
  • Up to 80% LTV on Cash Out Refinances
  • Manufactured home/Cash-out refinance, 65% maximum LTV, maximum 20-year term.

Other products available (rates/terms may be different according to each product)

  • 5-Year Fixed Rate/2-Year Adjustable Rate Mortgages
  • 2-Year Fixed Rate/2-Year Adjustable Rate Mortgages
  • 7-Year Fixed Rate/1-Year Adjustable Rate Mortgages
  • 3-Year Fixed Rate/1-Year Adjustable Rate Mortgages
  • Non-Conforming Mortgages
  • “As Is” Purchases

APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.

30 Years

4.206%

4.125%

0.000

4.039%

3.875%

1.000
15 Years

3.391%

3.250%

0.000

3.413%

3125%

1.000
Fixed Jumbo Real Estate Rates
Term of Loan Annual Percentage Rate (APR) as low as Rate Points
  • Jumbo loans are loans exceeding $424,100
  • Up to 95% LTV on Purchases & Rate/Term Refinances
  • Up to 80% LTV on Cash Out Refinances
  • Manufactured home/Cash-out refinance, 65% maximum LTV, maximum 20-year term.

Other products available (rates/terms may be different according to each product)

  • 5-Year Fixed Rate/2-Year Adjustable Rate Mortgages
  • 2-Year Fixed Rate/2-Year Adjustable Rate Mortgages
  • 7-Year Fixed Rate/1-Year Adjustable Rate Mortgages
  • 3-Year Fixed Rate/1-Year Adjustable Rate Mortgages
  • Non-Conforming Mortgages
  • “As Is” Purchases

APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.

30 Years

4.206%

4.125%

0.000

4.039%

3.875%

1.000
15 Years

3.264%

3.125%

0.000

3.286%

3.000%

1.000

 

The following account rates are effective as of:
November 1, 2017

 

Adjustable Real Estate Loans
Home Purchases/Refinances Annual Percentage Rate (APR) as low as Rate as low as Comments

ARM Rates have a 6% lifetime cap over original rate. Rates are for owner-occupied properties. Non-owner-occupied rates available. Annual Percentage Rates shown are based on a $100,000 loan amount. The APR will vary according to term, amount of loan, and other prepaid finance charges.

Quarterly Adjustable 2.323% 2.250% No points. Up to 30 years financing.
2 & 2 Year ARM

2.574%

2.500%

No points. Up to 30 years financing.
3 & 1 Year ARM

2.699%

2.625%

No points. Up to 30 years financing.
5 & 2 Year ARM

2.825%

2.750%

No points. Up to 30 years financing.
7 & 1 Year ARM

2.950%

2.875%

No points. Up to 30 years financing.
Manufactured Home and Land Please refer to the above real estate rates
Manufactured Home in Park 5.934% 5.750% Up to 80% of the appraised value. 1993 or newer. 1 Point. Up to 20 years financing.
Home Construction (with automatic rollover) 2.718% 2.500% (30 Years) Up to 80% of appraised value. 1 point.
Unimproved Property 6.502% 6.250% (20 Years) Up to 60% of land value. 1 point.
Credit Cards
Card Type Rate

No annual fee on fixed-rate card. $15 annual fee on variable-rate card.

Visa Classic Card 14.95% Fixed

8.45% Variable

Visa Platinum Card 13.95% Fixed

7.45% Variable

Personal Line of Credit
Type Rate Comment
Personal Line of Credit

9.25% Variable

Open line of credit. Maximum loan of $50,000.
Vehicle Loans: Autos, Trucks, Boats, & RVs
Loan Type Loan Terms Rate as low as
  • Auto & Truck Loans:
    • 2015 models or newer (other rates available for older models)
    • up to 135% of invoice or low blue book, plus tax and license
    • up to 84-month financing
  • Boat Loans:
    • Up to 80% of invoice or appraised value, including tax and license.
    • Up to 144-month financing.
  • RV Loans:
    • Up to 80% of invoice or appraised value, including tax and license.
    • Up to 120-month financing.
Auto & Truck Loans Fixed Rate

3.84%

Variable Rate

4.25%

Boat Loans (New & Used) Fixed Rate

6.35%

Variable Rate

5.75%

RV Loans (New & Used) Fixed Rate

6.35%

Variable Rate

5.75%

Home Equity Loans
Product Term Rate as low as
  • Up to 80% of appraised value.
  • Rates are for owner-occupied properties. Non-owner-occupied rates & terms available

Equiline Line of Credit:

  • No points or fees on lines up to $200,000 (appraisal fees may apply). Lines over $200,000 subject to third-party fees.
  • Lifetime cap is 6% over original rate.
  • Maximum loan of $300,000

Home Equity Loan:

  • No points or fees (appraisal fees may apply).
  • Maximum loan of $300,000
Equiline Line of Credit (Open-Ended Loan) 15 Year Variable 4.75%
Home Equity Loan (Closed-Ended Loan) 10 Year Fixed 5.50%
15 Year Fixed 6.00%

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