Certificate Rates
EFFECTIVE DATE: October 1, 2022
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 | .70% | .70% | $1,000 |
| 12 months | 1.10% | 1.11% | $1,000 | |
| 24 months | 1.40% | 1.41% | $1,000 | |
| IRA Certificate Account | 1 year | 1.40% | 1.41% | $100 |
| 3 year | 1.90% | 1.92% | $100 |
Checking / Savings Rates
EFFECTIVE DATE: October 1, 2022
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% | |
| Joint Share Account | .15% | .15% | $25 |
| Christmas Club Savings Account | .15% | .15% | $5 |
| IRA Share Account | 1.90% | 1.92% | $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: 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.
| Loan | Term | Annual Percentage Rate (APR) |
|---|---|---|
| Signature Loan (Unsecured) | 0 - 60 months | 10 - 18%* |
| 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% |
*Your APR may vary depending on your credit worthiness.
New/Used Autos
Autos, Motorcycles, ATV/UTVs
EFFECTIVE DATE: January 3, 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.
1% APR interest rate reducation for School Employees for this loan category.
| Year | Term | Annual Percentage Rate (APR) |
|---|---|---|
| 2016 - 2023 | Up to 48 months | 5.0% – 13.0%* |
| 2018 - 2023 | 60 months | 5.25% - 13.25%* |
| 2020 - 2023 | 72 months | 5.5% - 13.5%* |
| New Only | 84 months | Special Financing Available |
| Older Model Vehicles (NADA Loan Value Only) | ||
| 2011 - 2015 | 36 months | 9.25% - 17.25% |
*Your APR may vary depending on your credit worthiness.
New/Used Recreational Vehicles
Pop-Up Campers, Travel Trailers, Motor Homes, Boats/Motor/Trailer
EFFECTIVE DATE: January 3, 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.
1% APR interest rate reducation for School Employees for this loan category.
| Year | Term | Annual Percentage Rate (APR) |
|---|---|---|
| 2016 - 2023 | 60 months | 5.75% - 13.75%* |
| 2019 - 2023 | 96 months | 6.75% – 14.75%* |
| 2023 | 120 months | 7.75% - 15.75%* |
*Your APR may vary depending on your credit worthiness.
Home Equity Line of Credit (HELOC)
EFFECTIVE DATE: January 3, 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.
| Term | Annual Percentage Rate (APR) |
|---|---|
| 0 - 240 months | 8.50% |
Rate based on quarterly Wall Street Journal (WSJ) Prime Rate plus 1% APR
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.
| 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 if based on your credit qualifications.
- Check out card rewards through UChoose Rewards
