Current Rates ncua iconequal housing icon

Rates Effective 1/23/2014

Loans
DescriptionTermAPRDaily Rate
Cars and Light Trucks Annual Percentage Rate (AS LOW AS)
New 2014-2009 24-35 2.60% 0.007123%
New 2014-2009 36-47 2.85% 0.007808%
New 2014-2009 48-59 3.20% 0.008767%
New 2014-2009 60-71 3.55% 0.009726%
New 2014-2009 72-83 3.85% 0.010548%
New 2014-2009 84 4.15% 0.011370%
Used 2008 & older 24-35 3.60% 0.009863%
Used 2008 & older 36-47 3.85% 0.010548%
Used 2008 & older 48-59 4.20% 0.011507%
Used 2008 & older 60-71 4.55% 0.012466%
Used 2008 & older 72 4.90% 0.013425%
RV's
New 2014-2012 36-48 5.25% 0.014384%
New 2014-2012 49-60 5.75% 0.015753%
New 2014-2012 61- 120 6.25% 0.017123%
Used 2011 & older 24-35 5.75% 0.015753%
Used 2011 & older 36-48 5.85% 0.016027%
Used 2011 & older 49- 60 5.95% 0.016301%
Used 2011 & older 61- 72 6.05% 0.016575%
Personal Loans
Personal use Open 10.69% 0.029288%
Other Loans
Share Secured open Acct plus 2.50%
H.E.L.O.C. 120 - 180 Prime plus 1%
Home Equity Fixed Rate 5 Year 4.90% 0.013425%
Home Equity Fixed Rate 10 Year 5.20% 0.014247%
Home Equity Fixed Rate 15 Year 5.50% 0.015068%
Chatel Lien 12-36 6.25% 0.017123%
Chatel Lien 48 6.55% 0.017945%
Chatel Lien 60 6.90% 0.018904%
Regular Overdraft LOC open 17.69% 0.048466%
Short Term Small Amount 1-6 28.00% 0.076712%

* Term - approximation in months APR - Annual Percentage Rate Loans Rates effective 3/13/2012. Annual Percentage Rates are subject to change without notice. Your rate may be higher than the published rate, based on your credit-worthiness.

Rates Effective 4/1/2012


Deposit Accounts Rates
DescriptionDividend rateAPY
Annual Percentage Yield
Savings
Shares Bal under $500 0.100% 0.10%
Shares Bal $500 & Up 0.150% 0.15%
Christmas Clubs 0.100% 0.10%
Checking
Balance $500 - $999 0.100% 0.10%
Balance $1000-$2499 0.125% 0.13%
Balance $2500+ 0.150% 0.15%
The MAX 0.150% 0.15%
Club 50 0.100% 0.10%

Rates Effective 4/1/2012


Checking Accounts
Account NameService ChargeMin Balance Required to Avoid Service ChargeMin $ Amount to OpenDividends PaidFree ChecksOverdraft ProtectionATM Trans
Easy Checking None None None None First Box $100 More if have Direct Deposit 5 Free then $1 each
The MAX $10.00 $2,000 $2,000 Higher Share acct rate as long as balance remains above $2000 (paid on avg bal) Yes (One Design) Yes Based on credit application No Limit
Club 50 $5.00 Direct Deposit or $500 $500 Must be age 50 + Lower Share account rate (paid on avg bal) Yes (one Design) Yes No Limit
Regular Checking $2.00 plus .20 per check $100 None Bal $500 + see chart First Box Yes 5 Free then $1 each

Rates Effective 4/1/2012


Certificates
DescriptionDividend rateAPY
Annual Percentage Yield
Certificates ($500 Min)
6 Month 0.250% 0.25%
1 Year 0.300% 0.30%
2 Year 0.650% 0.65%
3 Year 0.950% 0.95%
6 Month Club 50 0.350% 0.35%
1 Year Club 50 0.400% 0.40%

Rates Effective 7/16/2013