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Rates

New Autos

Effective November 1, 2018

Loan Type

Loan Term

APR* From

APR* To

Est. Monthly Payment based on “as Low As” Rate

New Autos (2016 and newer)
Up to 100% of MSRP or Retail Kelley Blue book plus tax, title & licensing

Up to 48 Months

3.67%

18.00%

$22.43 per $1,000

Up to 60 Months

4.17%

18.00%

$18.49 per $1,000

Up to 72 Months

4.92%

18.00%

$16.07 per $1,000

Up to 84 Months

5.57%

18.00%

$14.40 per $1,000

Used Autos

Effective November 1, 2018

Loan Type

Loan Term

APR* From

APR* To

Est. Monthly Payment based on “as Low As” Rate

Used Autos (2015 and older)
Up to 100% of Retail Kelley Blue book plus tax, title & licensing

Up to 48 Months

4.17%

18.00%

$22.66 per $1,000

Up to 60 Months

4.67%

18.00%

$18.72 per $1,000

Up to 72 Months

5.42%

18.00%

$16.30 per $1,000

Up to 84 Months

6.07%

18.00%

$14.64 per $1,000

New Recreational Vehicles

Effective November 1, 2018

Loan Type

Loan Term

APR* From

APR* To

Est. Monthly Payment based on “as Low As” Rate

New Recreational Vehicles (2016-2018)
Up to 100% of MSRP or Average Kelley Blue book

Up to 48 Months

6.00%

18.00%

$23.49 per $1,000

Up to 60 Months

6.25%

18.00%

$19.45 per $1,000

Up to 72 Months

7.00%

N/A

$17.05 per $1,000

Up to 84 Months

7.25%

N/A

$15.22 per $1,000

Up to 96 Months

7.50%

N/A

$13.88 per $1,000

Up to 120 Months

7.75%

N/A

$12.00 per $1,000

Used Recreational Vehicles

Effective November 1, 2018

Loan Type

Loan Term

APR* From

APR* To

Est. Monthly Payment based on “as Low As” Rate

Used Recreational Vehicles (2015 and older)
Up to 100% of MSRP or High Blue Book

Up to 48 Months

6.50%

18.00%

$23.71 per $1,000

Up to 60 Months

6.75%

18.00%

$19.68 per $1,000

Up to 72 Months

7.50%

18.00%

$17.29 per $1,000

Up to 84 Months

7.75%

N/A

$15.46 per $1,000

Up to 96 Months

8.00%

N/A

$14.14 per $1,000

Up to 120 Months

8.25%

N/A

$12.27 per $1,000

** Restrictions apply

Personal Loans

Effective November 1, 2018

Loan Type

Loan Term

APR* From

APR* To

Est. Monthly Payment based on “as Low As” Rate

Signature Loans

Up to 12 Months

9.15%

18.00%

$87.52 per $1,000

Up to 24 Months

9.50%

18.00%

$45.91 per $1,000

Up to 36 Months

9.75%

18.00%

$32.15 per $1,000

Share Secured Loans

Up to 60 Months

3.50% + Current rate paid on share or CD

Line of Credit

Effective January 1, 2018

Type

Features

APR*

Apply

Line of Credit Signature

Overdraft Protection

11.90%

Apply Now

Credit Cards

Effective January 1, 2018

Credit Card Types

Annual Fee

APR*

Apply

Platinum Visa

No Annual Fee

11.90%

Apply Now

Classic Visa

No Annual Fee

14.90%

Apply Now

Student Visa

No Annual Fee

15.90%

Apply Now

Secure Solar Loan Rates

Effective April 1, 2018

Type

Amount Financed

Interest Rate*

Term

Est. Monthly payment based on "as low as" rate

PRIMARY RESIDENCE: Loan to Value up to 85%

$5,000 - $25,000

3.99%

Up to 120 months

$10.12 per $1,000

$25,001 - $45,000

4.25%

Up to 180 months

$7.52 per $1,000

$45,001 - $150,000

4.50%

Up to 240 months

$6.33 per $1,000

PRIMARY RESIDENCE: Loan to Value 86% - 100%

$5,000 - $25,000

4.25%

Up to 120 months

$10.24 per $1,000

$25,001 - $45,000

4.50%

Up to 180 months

$7.65 per $1,000

$45,001 - $150,000

4.75%

Up to 240 months

$6.46 per $1,000

PRIMARY RESIDENCE: Loan to Value 101% - 105%

$5,000 - $25,000

4.50%

Up to 120 months

$10.36 per $1,000

$25,001 - $45,000

4.75%

Up to 180 months

$7.78 per $1,000

$45,001 - $150,000

5.25%

Up to 240 months

$6.74 per $1,000

NON-OWNER OCCUPIED: Loan to Value up to 80%

$5,000 - $25,000

4.50%

Up to 120 months

$10.36 per $1,000

$25,001 - $45,000

4.75%

Up to 180 months

$7.78 per $1,000

$45,001 - $150,000

5.25%

Up to 240 months

$6.74 per $1,000

NON-OWNER OCCUPIED: Loan to Value 81% - 90%

$5,000 - $25,000

4.75%

Up to 120 months

$10.48 per $1,000

$25,001 - $45,000

4.99%

Up to 180 months

$7.90 per $1,000

$45,001 - $150,000

5.75%

Up to 240 months

$7.02 per $1,000

Unsecure Solar Loan Rates

Effective January 1, 2018

Type

Amount Financed

Interest Rate*

Term

Est. Monthly payment based on "as low as" rate

Unsecure Solar Loan

$0 - $10,000

6.50%

Up to 84 months

$87.41 per $1,000

$10,001 - $30,000

7.50%

Up to 120 months

$45.80 per $1,000

$30,001 - $50,000

8.50%

Up to 180 months

$32.03 per $1,000

Savings Rates

Effective April 1, 2018

Account

Rate Type

Min Opening Balance

Min to Earn Dividend

Dividend Rate

APY*

Dividend Declaration Date

Share Savings

Variable

$25

$25

0.10%

0.10%

Monthly

Checking

Variable

$25

$0

0.00%

0.00%

Monthly

Money Market

Variable

$2,500

$2,500

0.20%

0.20%

Monthly

Holiday Savings

Variable

$25

$25

0.10%

0.10%

Monthly

IRA Share Savings

Variable

$50

$5

0.15%

0.15%

Monthly

HSA Accounts

Variable

$0

$5

0.10%

0.10%

Monthly

Share and IRA Certificates

Effective April 1, 2018

Account

Rate Type

Min Opening Balance

Min to Earn Dividend

Dividend Rate

APY*

Dividend Declaration Date

3 Months

Fixed

$1,000

$1,000

0.35%

0.35%

Monthly

6 Months

Fixed

$1,000

$1,000

0.45%

0.45%

Monthly

12 Months

Fixed

$1,000

$1,000

0.55%

0.55%

Monthly

18 Months

Fixed

$1,000

$1,000

0.60%

0.60%

Monthly

24 Months

Fixed

$1,000

$1,000

0.70%

0.70%

Monthly

36 Months

Fixed

$1,000

$1,000

1.00%

1.01%

Monthly

48 Months

Fixed

$1,000

$1,000

1.10%

1.11%

Monthly

60 Months

Fixed

$1,000

$1,000

1.40%

1.41%

Monthly

*APR = Annual Percentage Rate. All Rates and terms may change at any time and vary based on creditworthiness and collateral age. Best rates shown based on a FICO score of 720 and above. Auto loan payments will vary based on credit score, term, loan to value, equity and mileage of vehicle.

*APY = Annual Percentage Yield. Member accounts are insured to $250,000 by the National Credit Union Administration, an agency of the Federal Government.