Products & Services

- Rates

Dividend Rates

Share Account Minimum Balance* Annual Percentage Yield Rate
*To obtain the disclosed annual percentage yield, a minimum balance must be maintained in each type of account.
The Board of Directors has announced a declaration of these dividends to be paid on individual member's eligible balances for the quarter ending December 31, 2016.
All rates and terms offered are effective December 31, 2016 and are subject to change without notice.
Prime Share Account $50.00* 0.15% 0.15%
Checking Plus $1,000.00* 0.05% 0.05%
Escrow Accounts $50.00* 0.05% 0.05%
Golden Checking none 0.05% 0.05%
IRA $50.00* 0.22% 0.22%
Health Savings Acct none 0.15% 0.15%

The following are the Money Market Rates for period ending 12/31/16.

Term Annual Percentage Yield Rate
All rates and terms offered are subject to change without notice.
2,500 to 24,999 0.30% 0.30%
25,000 to 49,999 0.35% 0.35%
50,000 to 99,999 0.50% 0.50%
100,000 & Above 0.50% 0.50%

The following are the Share Certificate Rates as of 3/18/17.

Term Annual Percentage Yield Rate
All rates and terms offered are subject to change without notice. A penalty will be assessed for premature withdrawal from share certificates.
3 Months 0.33% 0.33%
6 Months 0.54% 0.54%
9 Months 0.65% 0.65%
Lucky Savers 0.75% 0.75%
1 Year 0.75% 0.75%
2 Year 1.34% 1.33%
3 Year 1.50% 1.49%
4 Year 1.64% 1.63%
5 Year 2.13% 2.11%
Building 1 Year 0.75% 0.75%
Education 1 Year 0.75% 0.75%
18 Month Bump Up 1.04% 1.04%
12 Month Youth 1.00% 1.00%

The following are the Mortgage Rates Effective 03/23/2017

30 Year APR 30 Year Points 15 Year APR 15 Year Points
4.000 1.000 3.250 1.000
20 Year APR 20 Year Points 10 Year APR 10 Year Points
add .50% to above loans for jumbo mortgage ($424,100 and higher)
3.875 1.000 3.000 1.000

Loan Rates

Financing for non-commercial vehicles only.
Loan Term APR*
*The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.
**Must meet IRS requirements for a home mortgage interest deduction.
***Current and previous year models.
All loan rates and terms offered are effective December 31, 2016 and are subject to change without notice.
Additional terms and conditions may apply.
Signature (Unsecured)/Debt Consolidation - Apply Now 1-3 years
4-5 years
As low as 9.99%*
As low as 10.99%*
New Vehicle - Apply Now 1-5 years
6 years (over $15,000)
7 years (over $25,000)***
As low as 1.74%*
As low as 1.99%*
As low as 3.24%*
Used Vehicle - Apply Now 1-5 years
6 years (over $15,000)
7 years (over $25,000)***
As low as 2.19%*
As low as 2.19%*
As low as 3.99%*
Aircraft, Travel Trailer and Rec. Vehicle - Apply Now 1-6 years
7-12 years (over $20,000)
As low as 7.49%*
As low as 8.49%*
Boat - Apply Now 1-6 years
7-12 years (min of $25,000)
13-15 years (min of $25,000)**
16-20 years (min of $25,000)**
As low as 4.49%*
As low as 6.34%*
As low as 6.64%*
As low as 6.99%*
Home Secured (Variable) Variable rate adjusted annually on the anniversary date: (min 6.50%/max 13.50%)
1-5 years Prime rate minus .75%
6-15 years (over $7,500) Prime rate minus .50%
Overdraft Protection open 13.5%
Home Equity Line of Credit 6.50 variable
Mini Home Equity 4.50 variable