Rates
Effective as of: March 27, 2024
Autos
| Classification | Credit | up to 48 mos | 49 mos to 60 mos | 61 mos to 72 mos | 73 mos to 84 mos |
|---|---|---|---|---|---|
| 730 and over | A+ | 5.99% | 6.24% | 6.99% | 7.49% |
| 680-729 | A | 6.49% | 6.74% | 7.49% | 7.99% |
| 640-679 | B | 8.24% | 8.49% | 9.24% | 9.74% | 600-639 | C | 11.99% | 12.24% | 12.99% | 13.49% |
| 550-599 | D | 13.99% | 14.24% | 14.99% | 15.49% |
| 549 or less | E | 16.99% | 17.24% | 17.99% | 18.49% |
Auto Terms Limits
| Terms | Limits |
|---|---|
| $15,000.00 + | 61 months to 66 months |
| $20,000.00 + | 72 months To 83 months |
| $30,000.00 + | 84 months + |
Recreational Vehicles
| Classification | Credit | up to 84 mos | 85 mos to 144 mos | 145 mos to 180 mos |
|---|---|---|---|---|
| 730 and over | A+ | 7.99% | 9.49% | 10.99% |
| 680-729 | A | 8.49% | 9.99% | 11.49% |
| 640-679 | B | 10.24% | 11.74% | 13.24% | 600-639 | C | 13.99% | 15.49% | 16.99% |
| 550-599 | D | 15.99% | 17.49% | 18.99% |
| 549 or less | E | 18.99% | 20.49% | 21.99% |
Recreational Vehicle Terms Limits
| Terms | Limits |
|---|---|
| Up to $25,000.00 | 84 months (7 years) |
| $25,001.00 - $100,000.00 | 120 months (10 years) |
| $100,001 + | Up to 180 months (15 years) |
Recreational Vehicle loans include: Motorcycles, RV’s, Campers, Boats, Jets-ski’s, four-wheelers, tractors and all personal property with UCC filing & insurance.
Signature Loans
| Classification | Credit | APR* | Eligible Limit |
|---|---|---|---|
| 730 and over | A+ | 12.50% | $10,000.00 |
| 680-729 | A | 13.50% | $10,000.00 |
| 640-679 | B | 14.50% | $8,000.00 | 600-639 | C | 17.50% | $5,000.00 |
| 550-599 | D | 19.50% | $2,500.00 |
| 500-549 | E | 22.50% | $1,000.00 |
*Annual Percentge Rate
Holiday & Anything Loan Special
| Range | Score | Rate | Maximum |
|---|---|---|---|
| 730 and over | A+ | 4.75% | $5,000.00 |
| 680-729 | A | 5.25% | $4,000.00 |
| 640-679 | B | 6.00% | $2,500.00 | 600-639 | C | 9.75% | $1,500.00 |
| 550-599 | D | 11.75% | $1,000.00 |
| 500-549 | E | 14.75% | $1,000.00 |
| under 500 | Not Eligible |
Real Estate Loan Rate and Terms
| LOAN TYPE | RATE | MAXIMUM TERM |
|---|---|---|
| Mortgages - MyCUMortgage | Call for current rate | 10-year |
| Call for current rate | 20-year | |
| Call for current rate | 30-year | |
| Land Loans | 6.00% - 13.50% | 10-year |
| Home Equity Line of Credit | Fixed Rate Prime Rate + 0.50% | 2-year draw with up to a 5-year repayment |
| Variable Rate Prime Rate - 0.50% | 5-year draw with up to a 10-year repayment | |
| Home Equity Loan | 8.00% | 5-year |
| 9.00% | 10-year | |
| 10.00% | 15-year |
*Annual Percentage Rate. Rates are subject to change. Does not apply to existing Credit Union loans. Your rates may vary from the above rates and are determined by your credit history.
Maximum Terms allowed are based on amount borrowed, call the Credit Union for more details. Federally Insured by NCUA. Equal Housing Lender. Credit Union NMLS #410538
Other Loan Rate and Terms
| LOAN TYPE | RATE | MAXIMUM TERM |
|---|---|---|
| Share Secured | Rate + 2% | 84 months |
| Share Certificate Secured | CD Rate + 2.0% | 84 months |
| Tuition Reimbursement | 10.00% | 5 months (balloon pymt) |
| Credit Builder Loan | 9.50% | 12 months |
Credit Cards
| LOAN TYPE | RATE | CREDIT SCORE | ELIGIBLE LIMIT |
|---|---|---|---|
| Platinum Visa - Variable (balance transfer 6.90%) | 9.90% | 680 + (A+, A) | $15,000.00 |
| 640 - 679 (B) | $7,500.00 | ||
| Classic - Variable (balance transfer 10.90%) | 13.90% | 600 - 639 (C) | $3000.00 |
| 550 - 599 (D) | $2000.00 | ||
| 500 - 549 (E) | $1000.00 |
Savings & Checking Account Rates
| Account Type | Min. Balance | Rate | APY* |
|---|---|---|---|
| Share Savings | $5.00 - $499.99 | 0.05% | 0.05% |
| $500.00 - $4999.99 | 0.07% | 0.07% | |
| $5,000.00 - $149,999.99 | 0.10% | 0.10% | |
| $150,000.00 + | 1.50% | 1.51% | |
| Accumulation Share** | $50.00 | 5.00% | 5.12% |
| IRA Share Account | $0.00 - $200,000.99 | 0.25% | 0.25% |
| $200,001.00 + | 2.00% | 2.02% | |
| Money Market | $2,500.00 - - $200,000.99 | 0.50% | 0.50% |
| $200,001.00 + | 2.00% | 2.02% | |
| Golden Checking | $0.00 - $150,000.99 | 0.25% | 0.25% |
| $150,001 + | 0.50% | 0.50% | |
| Youth Share Savings Account (for members under age 18) | $5.00 | 0.25% | 0.25% |
| $500.00 | 0.35% | 0.35% | |
| $5,000.00 | 0.45% | 0.45% |
Rates are subject to change. Please check with the Credit Union for current rates. Federally insured by NCUA. The share account requires a minimum balance of $5.00
**Accumulation Shares have a $50.00 opening balance. Deposit of $20.00 is required monthly. Once the balance reaches $550.00, the account is converted to a 3 month certificate.
*APY - Annual Percentage Yield.
Certificate
(IRA Certificates available for 1, 2, 3 and 4-year)
| Term | Min. Balance | Rate | APY* |
|---|---|---|---|
| 3 Month | $500.00 | 1.50% | 1.50% |
| 6 Month | $500.00 | 5.25% | 5.38% |
| 1-Year | $500.00 | 5.00% | 5.12% |
| 2-Year | $500.00 | 2.80% | 2.84% |
| 3-Year | $500.00 | 3.00% | 3.04% |
| 4-Year | $500.00 | 3.10% | 3.14% |
Rates are subject to change. Please check with the Credit Union for current rates. Federally insured by NCUA. Penalty for early withdrawal. Dividends are paid monthly and are calculated on the actual daily balance. *APY - Annual Percentage Yield. Rates as of the date of the notice are subject to change.