Current Rates

Loan Rates as of March 16, 2017

Auto Loans
Vehicle Type Approximate Term APR*
New Up to 84 Months 1.99 to 12.50%
2013 – 2017 Up to 72 Months 2.25 to 16.50%
2008 – 2012 Up to 72 Months 2.75 to 17.50%
2007 and older Up to 60 Months 3.75 to 18.00%
*APR = Annual Percentage Rate. Rate based on creditworthiness. Ask a Member Service Specialist for your qualifying rate. Vehicle value is based on MSRP or by a source approved by the credit union. Please contact us for specific terms, rates and available discounts. Payment example: $20,000 Auto Loan for 72 months at 3.50% APR will result in a monthly payment of $308.42.
Boat, Jet Ski, Motorcycle, ATV and RV Loans
Vehicle Type Approximate Term APR*
New Boat Up to 180 Months 3.25 to 14.50%
Used Boat Up to 144 Months 3.75 to 15.00%
New Jet Ski Up to 72 Months 3.25 to 14.75%
Used Jet Ski Up to 72 Months 3.75 to 15.00%
New RV Up to 180 Months 3.25 to 14.50%
Used RV Up to 144 Months 3.75 to 15.00%
New Motorcycle/ATV Up to 72 Months 3.25 to 14.75%
Used Motorcycle/ATV Up to 72 Months 3.75 to 15.00%
*APR = Annual Percentage Rate. Rate based on creditworthiness. Ask a Member Service Specialist for your qualifying rate. Vehicle value is based on MSRP or by a source approved by the credit union. Please contact us for specific terms, rates and available discounts. Payment example: $20,000.00 loan amount for 72 months at 8.25% APR will result in a monthly payment of $352.93.
Personal Loans
Borrowed Amount Approximate Term APR*
$300 - $10,000 Up to 60 months 7.50 to 18.00%
*APR = Annual Percentage Rate. Rate based on creditworthiness. Ask a Member Service Specialist for your qualifying rate. Payment example: $1,000.00 personal loan for 12 months at 8.00% APR will result in a monthly payment of $86.95.
Overdraft Protection Loan
Borrowed Amount Approximate Term APR*
$300 - $1,500 Revolving Account 13.00 to 16.00%
*APR = Annual Percentage Rate. Rate based on creditworthiness. Ask a Member Service Specialist for your qualifying rate. Payment is $20.00 or 4% of balance, whichever is greater. Payment is automatically withdrawn last day of the month.
 Business Overdraft Protection Loan
Borrowed Amount Approximate Term APR*
$500 - $5,000 Revolving Account 10.00 to 12.00%
*APR = Annual Percentage Rate. Rate based on creditworthiness. Ask a Member Service Specialist for your qualifying rate. Payment is $20.00 or 4% of balance, whichever is greater. Payment is automatically withdrawn last day of the month.
Share Certificate Secured Loan
APR* Approximate Term
3.00% APR* above dividend rate earned by Share Certificate Up to 72 Months
*APR = Annual Percentage Rate. Loan rate is fixed at 3.00% above the value of the shares, share investments or the share certificates being pledged as security at the time of the loan. Payment example: $5000.00 loan for 48 months at 3.50% APR will result in a monthly payment of $111.76.

 

Savings Rates as of April 11, 2017

Savings Accounts
Account APY* Dividend Rate
Share Savings 0.10% 0.10%
IRA 0.35% 0.35%
Vacation/Christmas Club 0.10% 0.10%
Insurance/Tax Account 0.00% 0.00%
*APY = Annual Percentage Yield. Dividends are compounded and credited quarterly based on the average daily balance method. Fees may reduce earnings. The minimum to open any of the above accounts is $5.
Share Investment Accounts
Account APY* Dividend Rate
$2,000.00 to $9,999.99 0.10% 0.10%
$10,000.00 to $49,999.99 0.15% 0.15%
$50,000.00 or greater 0.20% 0.20%
*APY = Annual Percentage Yield. Dividends are compounded and credited quarterly based on the average daily balance method. The tiered variable interest dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors. See our Account Disclosure Rate Supplement for more information. Fees may reduce earnings. There is no minimum deposit required to open or maintain this account. No interest is earned for less than $2,000.00 on deposit.
Checking Accounts
Account APY* Dividend Rate
Checking Account 0.05% 0.05%
Grow Green Checking Account***
   Qualifying rate up to $15,000 1.31% 1.30%
   Non Qualifying rate up to $15,000 0.05% 0.05%
   $15,000.01 More 0.05% 0.05%
*APY = Annual Percentage Yield. Dividends are compounded and credited quarterly based on the average daily balance method. The minimum to open any of the above accounts is $5.***You must maintain $0.01 in the account each day to obtain the disclosure annual percentage yield. You must satisfy all of the requirements in our Truth in Savings disclosure during each qualification period to obtain the qualifying percentage yield. If you close your account before accrued dividends have been credited to your account, all accrued dividends will be forfeited. Fees may reduce earnings. See a Member Service Representative for additional disclosures.
Business Checking Accounts
Minimum Balance APY* Dividend Rate
$0.00 to $24,999.99 0.05% 0.05%
$25,000 to $49,999.99 0.20% 0.20%
$50,000 to $99,999.99 0.25% 0.25%
$100,000 to $249,999.99 0.30% 0.30%
$250,000 to $499,999.99 0.35% 0.35%
$500,000 or greater 0.35% 0.35%
*APY = Annual Percentage Yield. Dividends are compounded and credited quarterly based on the average daily balance method. The minimum to open any of the above accounts is $5.

 

Savings Rates as of April 11, 2017

Share and IRA Certificates
Term APY* Dividend Rate
 6  months 0.25% 0.25%
12 months 0.45% 0.45%
24 months*** 0.60% 0.60%
36 months*** 1.00% 1.00%
48 months*** 1.26% 1.25%
60 months*** 1.56% 1.55%
*APY = Annual Percentage Yield. Dividends will compound and credit monthly. Minimum balance is $500. This is a term deposit and you may receive a penalty for early withdrawal. ***Golden Benefits Members receive an additional 0.05% on the 24 – 60 month certificates.

Share Certificate Specials

17 Months - 1.36% APY* - 1.35% Dividend Rate

45 Months - 1.76% APY* - 1.75% Dividend Rate

$500 Minimum Balance

*APY = Annual Percentage Yield. This is a term deposit and you may receive a penalty for early withdrawal. Not eligible for the 0.05% Golden Benefits APR increase.  Promotional rates do not apply to IRA Share Certificates.

If you have any questions or want Mortgage and Home Equity rates: please call us at (804) 843-2520 or (888) 843-2520.