Rates

Certificate Rates

EFFECTIVE DATE: October 1, 2023

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.

Account Type Terms Dividend Rate Annual Percentage Yield (APY) Minimum Opening Deposit
Share Certificate Account 6 months 2.00% 2.02% $1,000
12 months 2.50% 2.53% $1,000
24 months 2.75% 2.79% $1,000
IRA Certificate Account 1 year 2.75% 2.79% $100
3 year 3.00% 3.04% $100

Checking / Savings Rates

EFFECTIVE DATE: October 1, 2023

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.

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

EFFECTIVE DATE: May 1, 2023

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.

Loan Term Annual Percentage Rate (APR) Mo.Pmt per $1K
Signature Loan (Unsecured) 0 - 60 months 10 - 18%* $21.26 – $25.41
Certificate Secured Loan 2% above rate on certificate being pledged
Shared Secured Loan 0 - 24 months 2.0% $42.55
25 - 48 months 3.0% $22.14
49 - 72 months 4% $15.65

*Your APR may vary depending on your credit worthiness. 

New/Used Autos

Autos, Motorcycles, ATV/UTVs

EFFECTIVE DATE: January 24, 2024

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.

1% APR interest rate reducation for School Employees for this loan category.
Year Term Annual Percentage Rate (APR) Payment per $1K
2017 - 2024 Up to 48 months 6.0% – 14.0% $23.49 - $27.34
2019 - 2024 60 months 6.25% - 14.25% $19.46 - $23.41
2021 - 2024 72 months 6.5% - 14.5% $16.82 - $20.89
New Only 84 months Special Financing Available
Older Model Vehicles (NADA Loan Value Only)
2012 - 2016 36 months 9.25% - 17.25% $31.93 - $35.80

New/Used Recreational Vehicles

Pop-Up Campers, Travel Trailers, Motor Homes, Boats/Motor/Trailer

EFFECTIVE DATE: January 1, 2024

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.

1% APR interest rate reducation for School Employees for this loan category.
Year Term Annual Percentage Rate (APR) Payment per $1K
2017 - 2024 60 months 6.75% - 14.75% $19.69 - $23.67
2020 - 2024 96 months 7.75% – 15.75% $14.02 - $18.40
2024 120 months 8.75% - 16.75% $12.54 - $17.24

*Your APR may vary depending on your credit worthiness. 

Home Equity Line of Credit (HELOC)

EFFECTIVE DATE: October 2, 2023

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.

Rate based on quarterly Wall Street Journal (WSJ) Prime Rate plus 1% APR

Term Annual Percentage Rate (APR) Mo.Pmt per $1K
0 - 240 months 9.50% $9.33

Visa® Platinum Credit Card

9.9% - 12.6%

EFFECTIVE DATE: March 1, 2021

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.

  • 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 if based on your credit qualifications.
  • Check out card rewards through UChoose Rewards