Current Rates ncua iconequal housing icon

Rates Effective 01/14/2016

Loans
Description Term APR Daily Rate
Cars and Light Trucks Annual Percentage Rate (AS LOW AS)
New 2016-2011 24-35 3.00% 0.007123%
New 2016-2011 36-47 3.25% 0.007808%
New 2016-2011 48-59 3.60% 0.008767%
New 2016-2011 60-71 3.95% 0.009726%
New 2016-2011 72-83 4.25% 0.010548%
New 2016-2011 84 4.55% 0.011370%
Used 2010 & older 24-35 4.00% 0.009863%
Used 2010 & older 36-47 4.25% 0.010548%
Used 2010 & older 48-59 4.60% 0.011507%
Used 2010 & older 60-71 4.95% 0.012466%
Used 2010 & older 72 5.30% 0.013425%
RV's
New 2016-2015 36-48 5.65% 0.014384%
New 2016-2015 49-60 6.15% 0.015753%
New 2016-2015 61- 120 6.65% 0.017123%
Used 2014 & older 24-35 6.15% 0.015753%
Used 2014 & older 36-48 6.25% 0.016027%
Used 2014 & older 49- 60 6.35% 0.016301%
Used 2014 & older 61- 72 6.45% 0.016575%
Personal Loans
Personal use Open 11.09% 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 6.65% 0.017123%
Chatel Lien 48 6.95% 0.017945%
Chatel Lien 60 7.30% 0.018904%
Regular Overdraft LOC open 11.09% 0.048466%
Short Term Small Amount 1-6 28.00% 0.076712%

* Term - approximation in months APR - Annual Percentage Rate Loans Rates effective 01/14/2016. 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 01/14/2016


Deposit Accounts Rates
Description Dividend rate APY
Annual Percentage Yield
Savings
Shares Bal under $500 0.250% 0.25%
Shares Bal $500 & Up 0.450% 0.40%
Christmas Clubs 0.250% 0.25%
Checking
Balance $500 - $999 0.250% 0.25%
Balance $1000-$2499 0.300% 0.30%
Balance $2500+ 0.350% 0.35%
The MAX 0.450% 0.45%
Club 50 0.250% 0.25%

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 0.550% 0.55%
1 Year 0.850% 0.85%
2 Year 1.100% 1.10%
3 Year 1.250% 1.26%
6 Month Club 50 0.650% 0.65%
1 Year Club 50 0.950% 0.95%