Rates

View or download our current rate sheet here.

Click the type of rate you are interested in below to get more information.

Rates valid as of September 27, 2021 4:10 am EST

Savings & IRAs

Balance TierRateAPY**
0.01 – 10,000.000.15%0.15%
10,000.01 – 25,000.000.20%0.20%
25,000.01 – 50,000.000.25%0.25%
50,000.01 – above0.30%0.30%

Checking

Balance TierRateAPY**
0.01 – above0.10%0.10%

Christmas Club

Balance TierRateAPY**
0.01 – above0.15%0.15%

Certificates and IRAs

TypeRateAPY** Term
Income 0.45% 0.45% 12 Months
Growth 0.45% 0.45% 12 Months
** Annual Percentage Yield (APY)

Auto/Motorcycle

YearTermAPR*Monthly Payment
(Months)with Disability & Life Insurancewithout insurances
Payments per $1,000 for maximum term
2018-20210 – 361.75%30.0428.55
37 – 602.00%18.8117.54
61 – 722.25%16.0914.87
73 – 842.50%14.2513.00
20170 – 602.50%19.0517.77
61 – 722.75%16.3315.10
73 – 843.00%14.4713.23
20160 – 602.50%19.0517.77
61 – 722.75%16.3315.10
20150 – 543.00%21.1819.84
55 – 663.25%17.8716.59
20140 – 483.50%23.7922.38
49 – 604.00%19.7818.44
20130 – 483.75%23.9122.49
49 – 604.00%19.7818.44
2012 & Older0 – 363.75%30.9929.45
37 – 484.00%24.0322.61

* Annual Percentage Rate (APR)

Home Equity

TypeTermRateAPR*^Monthly Payment
(Months)with Disability & Life Insurancewithout insurances
Payments per $1,000 for maximum term
Loan (1st Lien)0 – 602.50%2.62%N/A17.76
(0-85% LTV)61 – 842.75%2.84%N/A13.12
85 – 1202.75%2.81%N/A9.55
121 – 1803.00%3.04%N/A6.92
181 – 2403.50%3.53%N/A5.81
Loan (2nd Lien)0 – 603.25%3.37%19.4118.10
(0-85% LTV)61 – 843.50%3.59%14.6913.46
85 – 1203.75%3.81%11.2210.02
121 – 1803.75%3.79%N/A7.29
181 – 2404.10%4.14%N/A6.13
Loan (2nd Lien)0 – 605.70%5.82%20.6319.23
(85.01-100% LTV)61 – 845.70%5.79%15.8314.49
85 – 1205.70%5.77%12.2910.97
121 – 1805.70%5.75%N/A8.30
181 – 2405.70%5.74%N/A7.01
Line-of-Credit3.25%3.25%***

*Annual Percentage Rate (APR) Reflects $150 Origination Fee on $50,000 loan amount. Minimum Home Equity loan amount is $10,000.

**Annual Percentage Rate (APR) is a variable interest rate determined by the Independent Index of the Wall Street Journal’s Prime Rate. When of range of rates has been published, the highest rate will be used. We use the most recent Index value available to us as of 15 days prior to any/all quarterly APR adjustments on the first day January, April, July, and September. If the rate is not rounded, we round up to the next .25%. $150 Origination Fee applies.

Mortgage

TermPurchase RatePurchase APR*Refinance RateRefinance APR*
30 Year Fixed3.125%3.205%3.250%3.330%
20 Year Fixed2.875%2.986%3.000%3.112%
15 Year Fixed2.375%2.518%2.500%2.643%
10 Year Fixed2.375%2.583%2.500%2.709%
Rates updated daily.

* Annual Percentage Rate (APR).

Other Collateral

 TermAPR*Monthly Payment
(Months)with Disability & Life Insurancewithout insurances
Payments per $1,000 for maximum term
0 – 3611.25%34.8732.97

* Annual Percentage Rate (APR)

Personal

TypeTermAPR *Monthly Payment
(Months)with Disability & Life Insurancewithout insurances
Payments per $1,000 for maximum term
Savings Secured0 – 602.25%19.0717.65
Signature0 – 4211.00%30.7228.88
Line-of-Credit10.50%
VISA (Secured)7.99%
VISA (Unsecured)As low as 9.99% **

* Annual Percentage Rate (APR)
** 9.99% APR based on high credit score; your actual APR is based on your creditworthiness at the time of application

Recreational Vehicle

New or UsedTermAPR*Monthly Payment
(Months)with Disability & Life Insurancewithout insurances
Payments per $1,000 for maximum term
New0 – 606.50%21.1519.61
61 – 846.75%16.4915
85 – 1207.00%13.1511.64
Used0 – 487.00%25.6324
49 – 847.50%16.9115.38

* Annual Percentage Rate (APR)

Student Loan

As low as 5.00% APR *

*Annual Percentage Rate. The index rate is variable and will adjust quarterly, using the Prime Rate as published in the Money section of the Wall Street Journal on the first day of the preceding month. Rates will range from 2 – 5% above the Prime Rate, with a floor rate as low as 6.00%. Your rate will be determined based on credit approval. Other terms and conditions may apply. Contact the Credit Union for complete details.

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