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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

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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.

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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.
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