Certificate Rates
| Account Type | Terms | Dividend Rate | Annual Percentage Yield (APY) | Minimum Opening Deposit |
|---|---|---|---|---|
| Share Certificate Account | 6 months | 3.00% | 3.04% | $1,000 |
| 12 months | 3.50% | 3.56% | $1,000 | |
| 24 months | 3.00% | 3.04% | $1,000 | |
| IRA Certificate Account | 1 year | 2.75% | 2.79% | $100 |
| 3 year | 3.00% | 3.04% | $100 |
Checking / Savings Rates
| Account Type | Dividend Rate | Annual Percentage Yield (APY) | Minimum Opening Deposit |
|---|---|---|---|
| Regular Share (Savings Account) | .15% | .15% | $25 |
| Extra Share Account | .15% | .15% | |
| Club Account | .15% | .15% | $25 |
| Joint Share Account | .15% | .15% | $25 |
| Public Unit Share Account | .15% | .15% | $25 |
| Christmas Club Savings Account | .15% | .15% | $5 |
| IRA Share Account | 3.00% | 3.04% | $100 |
|
Share Draft Account (Free Checking Account) |
0% | 0% | |
| Fresh Start Checking Account | 0% | 0% |
Personal Loans
Signature Loan, Certificate Secured Loans, Share Secured Loan
| Loan | Term |
Annual Percentage Rate (APR)* As low as |
|---|---|---|
| Personal Loans | 0 - 60 months | 10.0%* |
| Certificate Secured Loan | 2% above rate on certificate being pledged | |
| Shared Secured Loan | 0 - 24 months | 2.0% |
| 25 - 48 months | 3.0% | |
| 49 - 72 months | 4% |
The rates, fees and terms applicable to your account at the Credit Union are provided in this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.
*Your APR may vary depending on your credit worthiness.
New/Used Autos
Autos, Motorcycles, ATV/UTVs
| Year |
36 months APR as low as |
48 months APR as low as |
60 months APR as low as |
72 months* APR as low as |
84 months** APR as low as |
|---|---|---|---|---|---|
| 2023 - 2026 | 5.25% | 5.50% | 5.75% | 6.25% | |
| 2021 - 2022 | 6.25% | ||||
| 2019-2020 | 6.0% | ||||
|
2014-2018 Older Model Vehicles (NADA Loan Value Only) |
8.50% |
*Maximum Loan Amounts apply based on credit score. ** New Vehicles Only. Minimum Loan Amount for 84-month term is $50,000. Maximum Loan Amount for 84-month term is $150,000.
1.5% discount for New/Used Auto loans during the Auto Flash Sale (February 1, 2026 – March 31, 2026).
New/Used Recreational Vehicles
New or Used* Pop-Up Camper, Travel Trailer, Motor Home, & Boats/Motor/Trailers**
| Year | Term |
Annual Percentage Rate (APR) As low as |
|---|---|---|
| 2019 - 2026 | 60 months | 6.75% |
| 2022 - 2026 | 96 months | 7.75% |
| 2026 | 120 months | 8.75% |
| 2026** | 180 months | 9.75% |
1.5% discount for New/Used Recreational Vehicles during the Auto Flash Sale (April 1, 2026 – May 31, 2026).
*1/2 Discount with 20% down. **A/B Credit Only. Minimum Finance $75,000. Your APR may vary depending on your credit worthiness.
Home Equity Line of Credit (HELOC)
| Term |
Annual Percentage Rate (APR) As low as |
|---|---|
| 0 - 240 months | 7.75%* |
*Based on the Quarterly WSJ Prime Rate plus 1%.
Visa® Platinum Credit Card
9.9% - 12.6%
| Annual Percentage Rate (APR) | Disclosure Information |
|---|---|
| 9.9% | VISA® Platinum Disclosure 9.9% |
| 10.8% | VISA® Platinum Disclosure 10.8% |
| 12.6% | VISA® Platinum Disclosure 12.6% |
- No Annual Fee
- 0.00% Introductory APR for a period of six billing cycles
- Minimum monthly payment for all credit card types is 3% of your total New Balances or $25, whicever is greater.
- The APR for which you may qualify is based on your credit qualifications.
- Check out card rewards through UChoose Rewards
EFFECTIVE DATE: June 1, 2026
The rates, fees and terms applicable to your account at the Credit Union are provided in this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.
Rates are accurate as of 06/01/2026. *APR = Annual Percentage Rate. All loans are subject to credit approval. The rates, fees and terms applicable to your account at the Credit Union are provided in the Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.