Rates






Loan Rates| Share Savings Rates

Loan Rates 

Effective May 1, 2017

Description Fixed Variable Normal Maximums
New Vehicle  As Low As    
Up to 24 months 1.90% N/A 100% of purchase price
Up to 36 months 2.15% N/A 100% of purchase price
37 - 48 months 2.40% N/A 100% of purchase price
49 - 60 months 2.65% N/A 100% of purchase price
61 - 72 months 3.15% N/A 100% of suggested list price, $17,500 minimum
73 - 84 months 3.40% N/A

100% of suggested list price, $25,000 minimum

Used Vehicle  As Low As    
Current - 2 year old 2.65% N/A 60 months, 100% of purchase price
  3.15% N/A 72 months, 100% of puchase price, $17,500 minimum
  3.40% N/A 84 months, 100% of purchase price, $25,000 minimum
3 year old

2.65%

N/A 60 months, 100% of purchase price
  3.15% N/A 72 months, 100% of purchase price, $17,500 minimum
4 year old 2.65% N/A 60 months, 100% of purchase price
5 - 8 year old 3.15% N/A 48 months, 100% of purchase price
9 years and older 4.15% N/A 48 months, 100% of purchase price
Used Auto - variable N/A 5.25% $10,000 minimum, 100% of NADA loan value
Motorcycles  As Low As    
New 1% above the new vehicle rates N/A 60 months, 100% of purchase price
Used 1% above the used vehicle rates N/A 60 months, 100% of NADA retail value
Boats  As Low As    
New 1% above the new vehicle rates N/A 60 months, 85% of purchase price 
Used

1% above the used vehicle rates

N/A 60 months, 85% of purchase price
Recreational Vehicles       As Low As    
New 1% above the new vehicle rates N/A 60 months (over $6,000), 85% of purchase price
Used 1% above the used vehicle rates N/A 60 months (over $6,000), 85% of purchase price
Mobile Homes As Low As    
New (fixed) N/A N/A 12 months/$1,000 up to 60 months; 90% of invoice
New (variable) N/A N/A 12 months/$1,000 up to 84 months; 90% of invoice
Used N/A N/A 12 months/$1,000 up to 60 months; 90% of purchase price or appraised value, whichever is less
Classic/Antique Auto  5.40% N/A 12 months/$1,000 up to 60 months, 85% of appraised value not to exceed $9,000
Closed End Unsecured  7.90% N/A 12 months/$1,000 up to 48 months, $300 minimum
Second Mortgage  As Low As    
Fixed 4.00% N/A Up to 60 months, up to 80% of appraised value (includes all mortgages) *
 Fixed 4.50% N/A 61-120 months, up to 80% of appraised value (includes all mortgages) *
Fixed  5.00% N/A 180 months maximum, up to 80% of appraised value (includes all mortgages) *
      * Loans may be available at a higher loan-to-value (LTV) at a higher rate
Home Equity Credit Line As Low As 4.00% Up to 100% of appraised value (includes all mortgages), payment of 1.25% of balance ($75 minimum)
Share Secured Rate + 3.00% N/A 60 months, $500 minimum
Household Furnishings & Appliances 10.75% N/A 12 months/$1,000 up to 36 months, 75% of purchase price to a maximum of $2,500
Overdraft Protection 13.90% N/A $100 minimum, $1,000 maximum
Revolving Credit 13.90% N/A 30 months, $300 minimum, $100 minimum advance
Student Loans     Rate established by Federal Government
Life Insurance 13.75% N/A 12 months/$1,000 up to 60 months, 100% of cash value
VISA N/A 9.37% $300 minimum up to $5,000 maximum; payment of 2% of balance ($20 minimum)

All loans for less than $500 are at a 17.00% fixed rate, except for line of credit loans.

All rates are Annual Percentage Rate (APR).  Rates are subject to change without notice.  Your rate is based on your credit history and may differ from the listed APR.  Contact the Loan Department for details.

 

 

Share Savings Dividend RatesBack to Top

Effective May 1, 2017

Description   Dividend Rate Annual Percentage Yield
Share Certificates*      
3 Month Certificate ($500 minimum to open)

0.05%

0.05%
6 Month Certificate ($500 minimum to open) 0.10% 0.10%
9 Month Certificate ($500 minimum to open) 0.10% 0.10%
12 Month Certificate ($500 minimum to open)

0.25%

0.25%
15 Month Certificate ($500 minimum to open) 0.25% 0.25%
18 Month Certificate ($500 minimum to open)

0.35%

0.35%
24 Month Certificate ($500 minimum to open)

0.50%

0.50%
36 Month Certificate ($500 minimum to open) 0.75%  0.75%
48 Month Certificate ($500 minimum to open) 0.85% 0.85%
60 Month Certificate ($500 minimum to open) 1.00% 1.01%
IRA Share Certificates* (Traditional or Roth)
6 Month Certificate ($500 minimum to open) 0.10% 0.10%
12 Month Certificate ($500 minimum to open)

0.25%

0.25%
18 Month Certificate ($500 minimum to open) 0.35% 0.35%
24 Month Certificate ($500 minimum to open) 0.50% 0.50%
36 Month Certificate ($500 minimum to open) 0.75% 0.75%
48 Month Certificate ($500 minimum to open) 0.85% 0.85%
60 Month Certificate ($500 minimum to open) 1.00% 1.01%
IRA Variable Rate Share Certificate* (Traditional or Roth)
18 Month Certificate ($100 minimum to open) 0.15% 0.15%
* Penalty may be imposed for early withdrawal.  The Annual Percentage Yield assumes interest remains on deposit until maturity.   A withdrawal will reduce earnings.
Regular Share Savings
Christmas/Vacation Club Savings
Education Share Savings
$25 - $499.99 (daily balance)**   0.05% 0.05%
$500 - $2,499.99 (daily balance)**   0.05% 0.05%
$2,500 - $9,999.99 (daily balance)**   0.05% 0.05%
$10,000 and above (daily balance)**   0.05% 0.05%
Club 66 Share Savings
$25 and up (daily balance)**   0.05% 0.05%
500+ Checking
$500 and up (daily balance)**   0.05% 0.05%
High Investment Access Account
$2,500 - $24,999.99 (daily balance)** (daily balance)** 0.10% 0.10%
$25,000 - $49,999.99 (daily balance)** (daily balance)** 0.10% 0.10%
$50,000 - $99,999.99 (daily balance)** 0.15% 0.15%
$100,000 and above (daily balance)** 0.15% 0.15%

** Minimum balance to earn Annual Percentage Yield (APY).

These rates are accurate and effective for accounts as of the effective date indicated.  The Dividend Rate may change as determined by the Board of Directors.  Fees on interest bearing accounts could reduce earnings.  If you have any questions or require current rate information on your accounts, please call (402)471-2561.
 
Your savings are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.

 

 

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