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Rates & Fees
For a complete list of Fees click here.
Please visit MortgageClick® for current Mortgage Rates.
LOAN RATES |
| Type |
APR |
Maximum Term |
Conditions |
| Equity Line of Credit |
4.00% |
5 Yr Draw Period |
80% Loan to Value - no initial closing costs |
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15 Yr Repayment |
(WSJ) Wall Street Journal Prime Rate |
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3.25% effective 12/2008 |
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Quick Decision - Quick Closing - usually within 48 hours |
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| Home Equity Fixed Line of Credit |
5.99%* |
3 Yr Draw Period |
80% Loan to Value - no initial closing costs, no appraisal, no title fee and no annual fee |
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10 Yr Repayment |
*Rates adjust with credit worthiness |
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Quick Decision - Quick Closing - usually within 48 hours |
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| Home Equity Fixed Rate |
4.99%* |
5 Years |
80% Loan to Value |
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4.99% ***SPECIAL*** |
10 Years |
NO initital closing costs; no appraisal, no title fee and no annual fee |
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6.24%** |
15 Years |
**Rates adjust with credit worthiness |
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Quick Decision - Quick Closings - usually within 48 hours |
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| Auto Loans |
4.99%** |
New 09-10 |
0% down - 100% (of NADA retail value) |
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5.49% |
Used 08 |
*Rate will adjust to Credit Worthiness |
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5.99% |
Used 07-06 |
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6.49% |
Used 05-02 |
**Loyalty discount may lower rate** |
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| Personal Loan |
10.99% |
1-5 Years |
$500 minimum $5,000.00 maximum |
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loyalty discount may apply |
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**Rate will adjust with Credit Worthiness |
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| New Boat |
9.50% |
5 Years |
20% Down |
| Used Boat |
10.00% |
5 Years |
20% Down |
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| New Motorcycle |
9.50% |
up to 5 yr term |
20% Down |
| Used Motorcycle |
10.00% |
up to 5 yr term |
20% Down |
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| Mobile Home |
8.50% |
15 Years |
20% Down-New |
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8.00% |
15 Years |
30% Down-New |
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| Certificate Pledge Share Pledge |
3% over rate |
4 Years |
6 months - 4 year certificate accounts |
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4% over rate |
4 years |
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| VACATION LOAN SPECIAL |
2.99% |
1yr term |
max $2,000 |
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*rate will adust with credit worthiness |
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SHARE RATES |
| Type |
Min Deposit |
APR |
APY |
| Share |
$100 |
.05% |
.05% |
| IRA Shares |
$100 |
.15% |
.15% |
| Holiday Club |
$1 |
.05% |
.05% |
| Vacation Club |
$1 |
.05% |
.05% |
| Escrow Savings |
$100 |
.05% |
.05% |
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| High Yield Money Market |
$25,000 + over |
.80% |
.80% |
| High Yield Money Market |
$10,000-$24,999.99 |
.60% |
.60% |
| High Yield Money Market |
$2,500-$9,999.99 |
.40% |
.40% |
| High Yield Money Market |
$100-$2,499.99 |
.10% |
.10% |
CERTIFICATE RATES |
| Term |
Min Balance |
IRA Min Balance |
Interest Rates |
| 3 & 5 Month CD |
$1,000 |
$1,000 |
.50% apy .50% |
| 6 & 7 Month CD |
$1,000 |
$1,000 |
.50% apy .50% |
| 9 MONTH CD ***SPECIAL*** |
$1,000 |
$1,000 |
1.10% apy 1.11% |
| 10 Month CD |
$1,000 |
$1,000 |
.75% apy .75% |
| 11 Month CD |
$1,000 |
$1,000 |
.75% apy .75% |
| 12 Month FREEDOM GOLD CD***SPECIAL*** |
$1,000 |
$1,000 |
1.00% apy 1.01% |
| 18 Month CD |
$1,000 |
$1,000 |
1.15% apy 1.16% |
| 24 Month CD |
$1,000 |
$1,000 |
1.25% apy 1.26% |
| 36 Month CD |
$1,000 |
$1,000 |
1.45% apy 1.46% |
| 48 Month CD |
$1,000 |
$1,000 |
1.95% apy 1.97% |
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| Childrens Little Nuggets CD* |
$100.00 |
$100.00 |
1.95% apy 1.97% |
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| EARN UP TO .15% |
MORE ON CD RATES |
LOYALTY REWARDS |
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Rates are subject to change. Please call for current rate information.
Please call the credit union for current first mortgage loan rates.
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