APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of February 22, 2017. Fees may reduce earnings. Rates and terms subject to change without notice.

Winners Circle Dividend Rewards See Details

    Earn more on some deposits depending on your Winner’s Circle Rewards level. Dividend Rewards are added to APYs for share and regular club accounts, Seniors Choice Checking, and Rewards Checking.

    Dividend Rewards
    Star = +0.00%
    Ribbon = +0.05%
    Medallion = +0.10%
    Trophy = +0.15%

    Checking Accounts See Details

    AccountMinimum BalanceDividend RateAPY
    Rewards Checking No minimum balance 0.05% 0.05%
    Seniors Choice Checking $100 0.05% 0.05%

    Savings Accounts See Details

    AccountDividend RateAPY
    Share Accounts  0.05% 0.05%
    Club Accounts 0.05% 0.05%
    Christmas Club Accounts 0.05% 0.05%
    Freedom Funds Accounts 0.05% 0.05%
    Health Savings Accounts (HSAs) 0.20% 0.20%

    Money Market Accounts See Details

    BalanceDividend RateAPY
    $2,500 – $9,999 0.05% 0.05%
    $10,000 – $24,999 0.10% 0.10%
    $25,000 – $49,999 0.15% 0.15%
    $50,000 – $99,999 0.20% 0.20%
    $100,000 + 0.25% 0.25%

    $2,500 minimum balance is required to earn dividends on Money Market Accounts

    Share/IRA Certificates (CDs) See Details

    TermDividend RateAPY
    6 Months (182 days) 0.40% 0.40%
    12 Months (365 days) 0.50% 0.50%
    18 Months (547 days) 0.55% 0.55%
    24 Months (730 days) 0.60% 0.60%
    30 Months (912 days) 0.65% 0.65%
    60 Months (1,825 days) 1.49% 1.50%

    $1,000 minimum opening deposit required. A penalty applies for early withdrawal.

    Individual Retirement Accounts (IRAs) See Details

    BalanceDividend RateAPY
    Less than $10,000 0.10% 0.10%
    $10,000 – $24,999 0.20% 0.20%
    $25,000 – $49,999 0.35% 0.35%
    $50,000 – $99,999 0.50% 0.50%
    $100,000 + 0.65% 0.65%

    Home Equity Loans See Details

    APR
    As Low as 4.00%

    Actual rate received based on applicants credit worthiness. Rates vary daily. For current rates, please contact us.

    Home Equity Lines of Credit (HELOCs) See Details

    APR
    As Low as 5.00%

    Actual rate received based on applicants credit worthiness. Rates vary daily. For current rates, please contact us.

    New Cars & Trucks See Details

    All rates and terms are subject to change without notice. Loan rates and terms will vary depending on the strength of member’s credit, value of collateral financed and term selected. We offer other rates and terms for members with special borrowing needs. Proof of insurance is required with $1,000 deductible standard. Generally, we will only loan NADA loan value or purchase price, whichever is less. All approved loans are eligible for warranty financing. Price of warranty is not to exceed $3,500. Warranty term has to be 24/24 or greater.

    Less Than 25,000 Miles1

    TermAPR
    54 months or less 2.29% to 11.50%
    55 to 63 months 2.29% to 11.75%
    64 to 75 months 2.29% to 6.99%

    Less Than 25,000 Miles (Invoice or NADA Retail Value Greater Than $12,500)2

    TermAPR
    76 to 84 months 4.99%

    1For qualified borrowers, the Credit Union can finance up to 130% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added.

    2For qualified borrowers, the Credit Union can finance up to 130% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76 – 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.

    Used Cars & Trucks See Details

    25,000 to 99,999 Miles1

    TermAPR
    54 months or less 2.79% to 12.50%
    55 to 63 months 2.89% to 12.75%
    64 to 75 months 3.49% to 9.99%

    100,000 Miles & More2

    TermAPR
    54 months or less 5.04% to 13.00%
    55 to 63 months 5.14% to 13.25%
    64 to 75 months 5.49% to 10.99%

    1For qualified borrowers, the Credit Union can finance up to 130% of NADA Retail Value INCLUDES tax, tag, warranty. In addition GAP Protection may be added. *64 – 75 months on used vehicles requires invoice or NADA retail value greater than $12,500.00.

    2For qualified borrowers, the Credit Union can finance up to 100% of NADA Retail Value INCLUDES tax, tag, warranty. In addition GAP Protection may be added.

    New Motorcycles See Details

    TermAPR
    36 months 3.99% to 9.49%
    48 months 4.49% to 9.99%
    60 months 4.99% to 10.49%
    72 months 5.49% to 8.49%
    84 months 5.99% to 8.99%

    2015 – 2016 model year (street bikes only). For qualified borrowers, the Credit Union can finance up to 100% of MSRP (plus tax, tag, and warranty). Dealer discounts not accepted as down payments. Warranty up to $1,200. $10,000 minimum for 72 and 84 months.

    Used Motorcycles See Details

    TermAPR
    36 months 4.99% to 9.99%
    48 months 5.49% to 10.49%
    60 months 5.99% to 10.99%
    72 months 6.49% to 8.99%

    2011 model year and newer (street bikes only). For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (includes tax, tag, and warranty). Dealer discounts not accepted as down payments. $10,000 minimum for 72 months.

    New Boats, Motorhomes, Travel Trailers, Campers & Airplanes See Details

    New Boats1

    AmountTermAPR
    $9,999 or less up to 60 Months 3.99% to 13.25%
    $10,000 to $24,999 from 61 to 120 Months 3.99% to 12.25%
    $25,000 to $49,999 from 121 to 144 Months 3.99% to 8.50%
    $50,000 or higher from 145 to 180 Months 3.99% to 8.25%

    New Motorhomes1

    AmountTermAPR
    $9,999 or less $9,999 or less up to 60 Months 3.90% to 13.25%
    $10,000 to $24,999 $10,000 to $24,999 from 61 to 120 Months 3.90% to 12.25%
    $25,000 to $49,999 $25,000 to $49,999 from 121 to 144 Months 3.90% to 7.50%
    $50,000 or higher $50,000 or higher from 145 to 180 Months 3.90% to 7.50%

    New Travel Trailers, Campers & Airplanes1

    AmountTermAPR
    $9,999 or less $9,999 or less up to 60 Months 5.75% to 10.00%
    $10,000 to $24,999 $10,000 to $24,999 from 61 to 120 Months 5.50% to 10.25%
    $25,000 to $49,999 $25,000 to $49,999 from 121 to 144 Months 5.25% to 8.50%
    $50,000 or higher $50,000 or higher from 145 to 180 Months 5.00% to 8.25%

    For qualified borrowers, the Credit Union can finance up to 100% of MRSP (plus tax, tag, and license).

    Used Boats, Motorhomes, Travel Trailers, Campers & Airplanes See Details

    AmountTermAPR
    $9,999 or less up to 60 Months 6.75% to 10.25%
    $10,000 to $24,999 from 61 to 120 Months 6.50% to 10.50%
    $25,000 to $49,999 from 121 to 144 Months 6.25% to 9.50%
    $50,000 or higher from 145 to 180 Months 6.00% to 9.25%

    For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (plus tax, tag, and license).

    ATVs, Jet Skis, Computer, Home Electronics & Other Collateral See Details

    TermAPR
    24 months 7.00% to 14.50%
    36 months 7.25% to 14.75%
    48 months 7.50% to 15.00%
    60 months 7.75% to 15.25%

    For qualified borrowers: New computers and home electronics up to 100% retail, new ATVs and jet skis up to 75% MSRP, new or used other collateral up to 75% NADA used trade-in value (tax, tag, and warranty included in percentages).

    Personal Loans See Details

    Personal Loans

    TermAPR
    24 Months 8.24% to 15.25%
    36 Months 8.24% to 16.25%
    48 Months 8.24% to 17.25%
    60 Months 8.24% to 18.00%

    Secured Loans

    APR
    Loan APR is determined by adding 2% to the dividend rate you are earning on the share or certificate account that will be secured for the loan.

    Personal Lines of Credit

    APR
    8.99% to 14.99%

    Rates vary daily. For current rates, please contact us.

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