Proudly Serving Our Members Since 1948

 814.774.4130  

Loan Rates - effective December 2020

for all loans APR = annual percentage rate

Note: Stated rates are the lowest rates offered as of this date and are subject to change without notice. Actual rate charged may increase according to credit score.

FULLY SECURED LOANS

  • 84 month max term
  • Maximum Amount - $60,000
  • APR as low as 3.49%

COLLATERAL LOANS

  • Maximum Amount - $60,000

Auto & Motorcycle  Term  Value of collateral APR as low as **
2021 - 2019 1 - 37 months   2.49%
2021 - 2019 38 - 61 months over $8,000 2.79%
2021 - 2019 62 - 85 months over $12,000 3.69%
       
2018 - 2015 1 - 37 months   3.29%
2018 - 2015 38 - 61 months over $8,000 3.69%
2018 - 2015 62 - 73 months over $12,000 4.29% 
       
2014 - older 1 - 37 months   3.69%
2014 - older 38 - 49 months over $8,000 3.99% 
2014 - older 50 - 60 months over $12,000 4.49%

**add 2.00% APR to rates listed above for other title loans - snowmobile, boat, atv, camper, utility trailer, etc.

** stated rates are lowest rates offered, approval based on credit score

When collateral is involved, the credit union will use the N.A.D.A guide to establish value when considering a loan for approval. If N.A.D.A. value is not available, the credit union will require another statement of value such as: appraisal, dealer’s quote, or insurance quote.

SIGNATURE LOANS

  • 48 month max term
  • Minimum amount  - $500
  • Maximum Amount - $10,000
  • APR as low as 6.29%

CREDIT CARDS

  • Visa - no annual fees
  • Maximum limit - $8,000
  • APR as low as 6.99%

90 DAY NOTE LOANS

Limit based on verifiable repayment method and loan officer discretion.  Use signature loan rates.

Savings Rates

for all savings types APR = annual percentage rate / APY = annual percentage yield

 - effective March 6, 2020

  • 6 month -  .15% APR / .15% APY
  • 12 month - .25% APR / .25% APY
  • 18 month - .35% APR / .35% APY
  • 24 month - .45% APR / .45% APY

Dividends

Declared 12/31/2020
Paid 01/01/2021
Shares .09% APR / .09% APY
Christmas Club .09% APR / .09% APY
Fun / Future .09% APR / .09% APY
IRA (all types) .25% APR / .25% APY
Share Draft  - does not pay dividends
minimum balance to earn dividends on shares, clubs, IRAs = $50