Rates

Rates

View or download our current rate sheet here.
Note: Mortgage rates are updated daily.

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

Savings & IRAs

Balance Tier Rate APY**
0.01 – 10,000.00 0.25% 0.25%
10,000.01 – 25,000.00 0.35% 0.35%
25,000.01 – 50,000.00 0.45% 0.45%
50,000.01 – above 0.50% 0.50%

Checking

Balance Tier Rate APY**
0.01 – above 0.15% 0.15%

Christmas Club

Balance Tier Rate APY**
0.01 – above 0.25% 0.25%

Certificates and IRAs

Type Rate APY** Term
Income 0.60% 0.60% 12 Months
Growth 0.60% 0.60% 12 Months

** Annual Percentage Yield (APY)

Auto

Year Term APR* Monthly Payment
(Months) with Disability & Life Insurance without insurances
Payments per $1,000 for maximum term
2018-2020 0 – 36 2.50% 30.52 28.89
37 – 60 2.75% 19.26 17.88
61 – 72 3.25% 16.67 15.32
73 – 84 4.00% 15.03 13.69
2017 0 – 60 3.25% 19.51 18.10
61 – 72 3.75% 16.92 15.55
73 – 84 4.50% 15.29 13.92
2016 0 – 60 3.75% 19.75 18.33
61 – 72 4.50% 17.30 15.90
2015 0 – 54 3.75% 21.65 20.18
55 – 66 4.50% 18.58 17.16
2014 0 – 48 4.00% 24.13 22.61
49 – 60 4.75% 20.25 18.79
2013 0 – 48 4.50% 24.38 22.84
49 – 60 5.25% 20.51 19.02
2012 & Older 0 – 36 4.50% 31.48 29.79
37 – 48 5.25% 24.75 23.18

* Annual Percentage Rate (APR)

Home Equity

Type   Term Rate APR*^ Monthly Payment
(Months) with Disability & Life Insurance without insurances
Payments per $1,000 for maximum term
Loan (1st Lien) 0 – 60 3.00% 3.12% N/A 17.96
(0-85% LTV) 61 – 84 3.25% 3.34% N/A 13.34
85 – 120 3.50% 3.56% N/A 9.90
121 – 180 4.00% 4.04% N/A 7.41
181 – 240 4.25% 4.28% N/A 6.20
Loan (2nd Lien) 0 – 60 3.75% 3.87% 19.76 18.33
(0-85% LTV) 61 – 84 4.00% 4.09% 15.06 13.68
85 – 120 4.25% 4.31% 11.57 10.26
121 – 180 4.75% 4.80% N/A 7.80
181 – 240 5.00% 5.04% N/A 6.62
Loan (2nd Lien) 0 – 60 7.50% 7.63% 21.67 20.21
(85.01-100% LTV) 61 – 84 7.75% 7.84% 17.05 15.50
85 – 120 7.75% 7.82% 13.60 12.03
121 – 180 7.75% 7.80% N/A 9.44
181 – 240 8.25% 8.29% N/A 8.55
Line-of-Credit 3.25% 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

Term Purchase Rate Purchase APR* Refinance Rate Refinance APR*
30 Year Fixed 3.000% 3.079% 3.250% 3.330%
20 Year Fixed 3.000% 3.112% 3.250% 3.360%
15 Year Fixed 2.750% 2.894% 2.875% 3.008%
10 Year Fixed 2.750% 2.960% 2.875% 3.073%
Rates updated daily.

* Annual Percentage Rate (APR).

Other Collateral

  Term APR* Monthly Payment
(Months) with Disability & Life Insurance without insurances
Payments per $1,000 for maximum term
0 – 36 11.25% 34.87 32.97

* Annual Percentage Rate (APR)

Personal

Type Term APR * Monthly Payment
(Months) with Disability & Life Insurance without insurances
Payments per $1,000 for maximum term
Savings Secured 0 – 60 2.25% 19.07 17.65
Signature 0 – 42 11.00% 30.72 28.88
Line-of-Credit 10.50%
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 Used Term APR* Monthly Payment
(Months) with Disability & Life Insurance without insurances
Payments per $1,000 for maximum term
New 0 – 60 6.50% 21.15 19.61
61 – 84 6.75% 16.49 15.00
85 – 120 7.00% 13.15 11.64
Used 0 – 48 7.00% 25.63 24.00
49 – 84 7.50% 16.91 15.38

* Annual Percentage Rate (APR)

Student Choice

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.