Member Rates
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Savings Rates
Rates effective June 1, 2008

Type of Account

Dividend Rate

APY

Regular Share Savings

1.00%

1.00%

Club Account

1.10%

1.11%

IRA Accumulation

3.05%

3.09%

Money Market (min. $2,500):
             $2,500 - $7,499.99 -
             $7,500 - $9,999.99 -
             $10,000 and over

1.10%
1.60%
2.10%

1.11%
1.61%
2.20%

Dividend rates are variable and may change after the account is open. Club accounts are limited to one withdrawal per calendar year, excess withdrawals will incur a fee. Regular share and club account dividends are compounded quarterly. Money market account dividends are compounded monthly. The APY is based on the assumption that minimum balances & other requirements are met. Fees could reduce the earnings on the account. APY = Annual Percentage Yield.

     
 



Savings Rates

Certificate Rates
Secured Loan Rates
Personal Loan Rates
Credit Card Rates

 
       
           
 
Certificate Rates
The APY's quoted are available June 1, 2008.
       
 

$500.00 - $24,999.99

Dividend Rate

APY

6 Months

2.92%

2.96%

12 Months

2.37%

2.40%

18 Months

2.43%

2.46%

24 Months

2.67%

2.70%


$25,000.00 - $99,999.99

Dividend Rate

APY

6 Months

2.94%

2.98%

12 Months

2.39%

2.42%

18 Months

2.45%

2.48%

24 Months

2.69%

2.72%


$100,000.00 and over

Dividend Rate

APY

6 Months

2.96%

3.00%

12 Months

2.41%

2.44%

18 Months

2.47%

2.50%

24 Months

2.71%

2.74%

 

APY is based on the assumption that minimum balances & other requirements will be met. All certificate dividends are compounded monthly. Certificates are subject to a penalty for early withdrawal. APY = Annual Percentage Yield.

     
 
 
       
           
 
Secured Loan Rates
Automobiles, Motorcycles, RV's, etc.
Rates effective June 1, 2008
 
     
 

Approximate Term

Daily Periodic Rate

APR

72 Month*

0.014384% -- 0.032877%

5.25% -- 12.00%

60 Month*

0.013699% -- 0.041781%

5.00% -- 15.25%

48 Month*

0.013014% -- 0.039726%

4.75% -- 14.50%

36 Month*

0.012329% -- 0.039041%

4.50% -- 14.25%

RVs - 84 Month*

0.016438% -- 0.023288%

6.00% -- 8.50%

RVs - 120 Month*

0.021233% -- 0.030137%

7.75% -- 11.00%

 

*Approximate Term--The approximate term is provided to disclose the term we use to calculate
payments for the Credit Union's open-end loan products.

 
     
   
   

Type of Loan

Daily Periodic Rate

APR

 

Share Savings Secured

0.016438%

6.00%

Certificate Secured

0.012082%

4.41%**

**As of 6/1/08 this rate is 4.41% APR—based on 1 year share certificate rate for $100,000 or more. Interest on all Share Certificates Loans will be 2% above the certificate rate.
See your loan disbursement voucher for our current rate.
   
   
Personal Loan Rates
Rates effective February 1, 2008
 

Type of Loan

Daily Periodic Rate

APR

 

Personal

0.027123%--0.049041%

9.90%--17.90%

 

Overdraft

0.040822%

14.90%**

 

Loan rates are based on credit worthiness as determined by applicant's credit bureau Beacon score. APR is Annual Percentage Rate.


 

 
Credit Card Rates
Rates effective September 1, 2007

Type of Loan

Daily Periodic Rate

APR

Platinum Visa

0.027123% -- 0.049041%

9.90% -- 17.90%

Credit Card rate is based on credit worthiness as determined by applicant's credit bureau Beacon score. APR is Annual Percentage Rate.

 

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