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 | |