Rates

Loans | Savings | Certificates

Loan Rates- Effective: April 19, 2010

Based on Credit Worthiness and Coupon Payment

Loans	Rate	APR*	Term
Signature	9.47	9.47	n/a
PAL Loans	10.49	10.49	n/a
New Auto Loans (Including Motorcycles)	5.50	5.50	24-60
New Auto Loans (Inclulding Motorcycles)	6.50	6.50	72
Used Auto/Refinances < 6 years ** of age (Including Motorcycles)	6.75	6.75	24-60
Used Auto Refinances < 6 years of age (Including Motorcycles)	7.00	7.00	72
New Boat R/V	7.42	7.42	120
Used Boat R/V	8.44	8.44	84
Home Equity - Home Equity Fixed at 80% Loan to Value	5.26	5.26	60
Home Equity - Home Equity Fixed at 80% Loan to Value	5.87	5.87	84
Home Equity - Home Equity Fixed at 80% Loan to Value	6.37	6.37	120

Click here to use our loan calculator.

*APR = Annual Percentage Rate

** Used autos greater than 6 years old, but less than 10 years old can finance to a maximum term of 48 months.

Home Equity Line of Credit: Max 2% yearly adjustment - 10 years max amortization, wall street prime, variable - ceiling 16% - Floor 2%

Share Secured Loans:
Up to 36 Months: 4.00%
60 Months: 4.25%

VISA: Rates as low as 10.25%-No Annual Fees-25 Day Grace Period

Visa Platinum - Rates fixed at 7.9% with credit restrictions. Call for details

VISA - HELOC - and other variable type loans excluded.

Money Market Share Draft Accounts*

Compounded Monthly (APY) - Effective March 22, 2010

$1,000 - $9,999	$10,000 - $24,999	$25,000 - $49,999	$50,000 - $74,999	$75,000 -$124,999	$125,000 and higher
0.65%	0.65%	0.75%	1.00%	1.00%	1.00%
0.66%	0.66%	0.76%	1.01%	1.01%	1.01%

* Limit 5 withrawals per month; contact credit union for any fees associated with the Money Market.

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Last Dividend Declaration Date- June 30, 2009

Next Dividend Date - September 30, 2009

Share Savings	Minimum Balance to earn Dividend	Dividend Rate	APY*	Term
Share Account	$ 100.00	0.20	0.40	n/a
Christmas/Vacation Club Account	-	0.20	0.40	n/a
Share Plus Account	-	0.20	0.40	n/a
Health Savings Accounts (call for details)	$50.00	2.00	2.02	n/a
IRA Accumulation Account	$ 50.00	0.750	0.750	n/a
Share Draft Account	N/A		0.000	n/a

*APY = Annual Percentage Yield accurate as of dividend date or effective date
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Effective Date: January 2

Certificates	Minimum Opening Deposit	Dividend Rate	APY*	Term
Share Certificate Account	$ 500.00	1.00	1.01	6
Share Certificate Account (Dividends paid Monthly)	$ 500.00	1.00	1.00	6
Share Certificate Account	$ 500.00	1.15	1.16	12
Share Certificate Account (Dividends paid Monthly)	$ 500.00	1.15	1.15	12
Share Certificate Account	$ 500.00	1.30	1.31	18
Share Certificate Account	$ 500.00	1.50	1.52	24
Share Certificate Account	$ 500.00	1.90	1.91	36
Share Certificate Account	$ 500.00	2.10	2.11	48
Share Certificate Account	$ 500.00	2.30	2.31	60
Share Certificate Account	$ 500.00	N/A	N/A	120
IRA Share Certificate (6 month) Account	$ 500.00	1.00	1.01	6
IRA Share Certificate Account	$ 500.00	1.15	1.16	12
IRA Share Certificate Account	$ 500.00	1.30	1.31	18
IRA Share Certificate Account	$ 500.00	1.50	1.52	24
IRA Share Certificate Account	$ 500.00	1.90	1.91	36
IRA Share Certificate Account	$ 500.00	2.10	2.11	48
IRA Share Certificate Account	$ 500.00	2.30	2.31	60
IRA Share Certificate Account	$ 500.00	N/A	N/A	120

*APY = Annual Percentage Yield

For all Share Certificates, both CD and IRA, an early withdrawal penalty may be imposed for early withdrawal.Back to Top

Members or consumers should contact the credit union to request account disclosures and Rate & Fee Schedules for deposit accounts produced in accordance with Truth-In-Savings Regulations.