Current Rates ncua iconequal housing icon

Rates Effective 07/01/2015

Loans
Description Term APR Daily Rate
Cars and Light Trucks Annual Percentage Rate (AS LOW AS)
New 2015-2010 24-35 2.75% 0.007123%
New 2015-2010 36-47 3.00% 0.007808%
New 2015-2010 48-59 3.35% 0.008767%
New 2015-2010 60-71 3.70% 0.009726%
New 2015-2010 72-83 4.00% 0.010548%
New 2015-2010 84 4.30% 0.011370%
Used 2009 & older 24-35 3.75% 0.009863%
Used 2009 & older 36-47 4.00% 0.010548%
Used 2009 & older 48-59 4.35% 0.011507%
Used 2009 & older 60-71 4.70% 0.012466%
Used 2009 & older 72 5.05% 0.013425%
RV's
New 2015-2014 36-48 5.40% 0.014384%
New 2015-2014 49-60 5.90% 0.015753%
New 2015-2014 61- 120 6.40% 0.017123%
Used 2013 & older 24-35 5.90% 0.015753%
Used 2013 & older 36-48 6.00% 0.016027%
Used 2013 & older 49- 60 6.10% 0.016301%
Used 2013 & older 61- 72 6.20% 0.016575%
Personal Loans
Personal use Open 10.84% 0.029288%
Other Loans
Share Secured open Acct plus 2.60%
H.E.L.O.C. 120 - 180 Prime plus 1.05%
Home Equity Fixed Rate 5 Year 5.05% 0.013425%
Home Equity Fixed Rate 10 Year 5.35% 0.014247%
Home Equity Fixed Rate 15 Year 5.65% 0.015068%
Chatel Lien 12-36 6.40% 0.017123%
Chatel Lien 48 6.70% 0.017945%
Chatel Lien 60 7.05% 0.018904%
Regular Overdraft LOC open 10.84% 0.048466%
Short Term Small Amount 1-6 28.00% 0.076712%

* Term - approximation in months APR - Annual Percentage Rate Loans Rates effective 07/01/2015. 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 07/01/2015


Deposit Accounts Rates
Description Dividend rate APY
Annual Percentage Yield
Savings
Shares Bal under $500 0.150% 0.15%
Shares Bal $500 & Up 0.200% 0.20%
Christmas Clubs 0.150% 0.15%
Checking
Balance $500 - $999 0.150% 0.15%
Balance $1000-$2499 0.130% 0.13%
Balance $2500+ 0.200% 0.20%
The MAX 0.200% 0.20%
Club 50 0.150% 0.15%

Rates Effective 07/01/2015


Checking Accounts
Account Name Service Charge Min Balance Required to Avoid Service Charge Min $ Amount to Open Dividends Paid Free Checks Overdraft Protection ATM 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 07/01/2015


Certificates
Description Dividend rate APY
Annual Percentage Yield
Certificates ($500 Min)
6 Month 0.300% 0.30%
1 Year 0.350% 0.35%
2 Year 0.700% 0.70%
3 Year 1.000% 1.00%
6 Month Club 50 0.400% 0.40%
1 Year Club 50 0.450% 0.45%