Loans | Savings | Certificates **Rates "As low As" Lowest possible APR* based on credit background for qualified borrowers. Loans Rate APR* Term   New Vehicle - '2011 & Newer      Ex: $15,000 @ 3.45% for 63 months = $260.70 3.45 3.45 63 Calculator **2011 & Newer Vehicle - 72 Months       Ex: $17,000 @ 3.95% for 72 months = $265.64 3.95 3.95 72  Calculator Used Vehicle - '04 - '10       Ex: $15,000 @ 3.45% for 63 months = $260.70  3.45 3.45  63  Calculator Used Vehicle - '08 - '10       Ex: $17,000 @ 3.95% for 72 months = $265.64 3.95 3.95 72  Calculator Used Vehicle - '03 and older         Ex:  $9,000 @ 5.90% for 48 months = $211.01 5.90 5.90 48 Calculator         Calculator           Home Equity Loan: 5 Years        Ex:  $15,000 @ 4.99% for 60 months = $283.07 4.99 4.99 60  Calculator Home Equity Loan: 7 Years       Ex:  $15,000 @ 5.99% for 84 months = $219.13 5.99 5.99 84 Calculator  Home Equity Loan: 10 Years       Ex:  $15,000 @ 6.25% for 120 months =  $168.49 6.25 6.25 120 Calculator           Home Equity Line - of - Credit Advance:      n/a Calculator *APR=Annual Percentage Rate **Lowest possible APR based on credit background for qualified borrowers. Limited time offer, rates subject to change without notice.  Rates effective 5/27/11 Go To Calculators | Back to top   Savings Dividend Rate APY* Term Interest Checking:  $300 minimum opening balance; Minimum daily balance of $300.00; Dividends paid monthly; $4.00 service charge if balance falls below $300.00, which could reduce the earnings on the account. 0.15 0.15 n/a Senior Checking - Silver Eagle:  Open to members 55 yrs or older; $1,000 minimum opening balance; Dividends paid monthly (Pd on balances $1,000 or more); No Fees; Free checks 0.15 0.15 n/a Money Market Checking - Golden Eagle:  $2,500 - $9,999.  $2,500 minimum opening balance; Dividends paid monthly; $5.00 service charge if balance falls below $2,500 which could reduce the earnings on the account; 6 free withdrawals/transfers (max of 3 checks per month) 0.40 0.40 n/a Money Market Checking - Golden Eagle:  $10,000 - $24,999. $2,500 minimum opening balance; Dividends paid monthly; $5.00 service charge if balance falls below $2,500 which could reduce the earning on the account; 6 free withdrawals/transfers (max of 3 checks per month) 0.45 0.45 n/a Money Market Checking - Golden Eagle:  $25,000 plus. $2,500 minimum opening balance; Dividends paid monthly; $5.00 service charge if balance falls below $2,500 which could reduce the earning on the account; 6 free withdrawals/transfers (max of 3 checks per month) 0.50 0.50 n/a Christmas Club Accounts:   Minimum $5.00 opening balance / $3,000 maximum deposit; Deposits from Nov. 1 - Oct. 31; No withdrawals prior to Oct. 31; Interest paid annually at time of distribution; no checks will be cut.  Amounts will be directly deposited into designated account on November 1  1.49 1.50 n/a IRAs / Roth / Education IRAs:   $500 minimum opening balance;  IRA certificates terms 6 mos. to 5 years 1.00 1.00 n/a Savings Accounts:   Minimum $25.00 to purchase your share of the Credit Union; Interest earned on balances over $100.00 (Eff. 1/1/12); Dividends compounded daily, paid quarterly; $15.00 fee if account is closed within 6 months of opening  .30 .30 n/a *APY=Annual Percentage Yield - Dividends are paid based on earnings and are subject to Board approval.   Rates effective 1/19/12.  Penalties assessed for early withdrawals. Back to top   Certificates Dividend Rate APY* Term Term Share Certificate Accounts : 6 Months 0.50 0.50 6 Term Share Certificate Accounts : 1 Year 0.75 0.75 12 Term Share Certificate Accounts : 2 Years 1.10 1.10 24 Term Share Certificate Accounts : 3 Years 1.49 1.50 36 Term Share Certificate Accounts : 4 Years 1.74 1.75 48 Term Share Certificate Accounts : 5 Years 2.13 2.15 60 *APY=Annual Percentage Yield - Rates subject to change without notice.  Rates effective 12/9/11 Minimum $500.00 opening balance.  Penalties assessed for early withdrawals.   Insured to the maximum allowed by NCUA. Back to top