Rates

APR refers to the annual percentage rate or the dividend rate. 
APY refers to the annual percentage yield. Rate subject to change without notice.
**With Approved Credit

Loan Rates

Rates as of 7/11/2013.
Rate Description Term Payment Description APR APR Type
NEW AUTO (Min $30,000) 84 Months Bi-Weekly, Monthly 7.50% – 15.50% Fixed
NEW AUTO (Min $25,000) 72 Months Bi-Weekly, Monthly 6.75% – 14.75% Fixed
USED AUTO (Min $25,000) 72 Months
 Bi-Weekly, Monthly
 7.25% – 15.25%
 Fixed
USED (2020)/NEW AUTO 60 Months Bi-Weekly, Monthly 6.25% – 14.25% Fixed
USED AUTO (2014-2019) 60 Months Bi-Weekly, Monthly 7.89% – 15.89% Fixed
USED AUTO (10 YRS & OLDER) AUTO 48 Months Bi-Weekly, Monthly 9.39% – 17.39% Fixed
BOAT (NEW) 60–96 Months Bi-Weekly, Monthly 9.00% – 17.00% Fixed
MOTORCYCLE/OFF-ROAD VEHICLE (NEW) 60–96 Months Bi-Weekly, Monthly 7.50% – 15.50% Fixed
MOTOR HOMES/TRAVEL TRAILERS (NEW) 60–96 Months
 Bi-Weekly, Monthly
 9.21% – 17.21%
 Fixed
PERSONAL – SIGNATURE LOAN 1–48 Months Bi-Weekly, Monthly 12.54% – 13.99% Fixed
SHARE-SECURED LOAN 1–72 Months Bi-Weekly, Monthly 4.75% – 5.80% Fixed
SHARE-CERTIFICATE SECURED LOAN VARIES Bi-Weekly, Monthly SHARE CERTIFICATE APY RATE PLUS 2.00% Fixed

Members should contact the Credit Union to verify rates.
Additional loans and rates are available, contact the Credit Union for more information.

Certificates

Rates as of 7/11/2013.
Rate Description Term Dividend Rates APY
6 MONTH – $500 MIN 6 MONTHS 1.50% 1.50%
12 MONTH – $500 MIN 12 MONTHS 1.75% 1.76%
18 MONTH – $500 MIN 18 MONTHS 4.25% 4.33%
24 MONTH – $500 MIN 24 MONTHS 3.75% 3.81%
36 MONTH – $500 MIN 36 MONTHS 3.00% 3.04%
48 MONTH – $500 MIN 48 MONTHS 3.00% 3.04%
60 MONTH – $500 MIN 60 MONTHS 3.00% 3.04%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty. 
Members should contact the Credit Union to verify rates. 
**Contact the Credit Union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates

Rates as of 7/11/2013.
Rate Description Term Dividend Rates APY
SHARE (Balance Less Than $50) $49.99 or LESS .00 % 0.00%
SHARE (Balance Greater Than $50) $50.00 MIN 0.25% 0.25%

Members should contact the Credit Union to verify rates. 
**Contact the Credit Union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs

Rates as of 7/11/2013.
Rate Description Term Dividend Rates APY
TRADITIONAL NO MINIMUM 0.85% 0.85%

Members should contact the Credit Union to verify rates. 
**Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Share Draft

Rates as of 7/11/2013.
Rate Description Term Dividend Rates APY
BALANCE (LESS THAN $2,500) $2,500 Or LESS 0.00% 0.00%
BALANCE (GREATER THAN $2,500) $2,500.01 MIN 0.20 % 0.20%

Members should contact the Credit Union to verify rates. 
**Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.