Loans| Savings| Certificates
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Any Hour Lending is here!
Approval is quick and easy. Apply online by clicking below
or
Call us toll free at 1-866-507-8717 and we will take your application over the
phone and answer any questions you may have.
Either way you apply, you can be instantly approved 24 hours a day, 7 days a week.
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Rates are set by the Board of Directors and are subject to change. Please see the Credit Union for the most accurate rates.
Effective 11/01/08
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| Loans |
ANNUAL PERCENTAGE RATE |
Approximate term |
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| Holiday Loan (Seasonal loan good through 1/15/09 borrow up to $5,000.00 with the first payment starting in January 2009) |
4.09% - 11.09% |
up to 12 |
Calculator |
| New Auto/ New Boat/ New Motorcycle |
4.00% - 9.00% |
up to 36 |
Calculator |
| New Auto/ New Boat/ New Motorcycle |
4.09% - 9.09% |
37-60 |
Calculator |
| New Auto/ New Boat/ New Motorcycle (see Note 1) |
5.75% - 10.75% |
61-72 |
Calculator |
| Used Auto/Used Boat/ Used Motorcycle (Note 2) |
4.59% - 9.59% |
up to 36 |
Calculator |
| Used Automobile/ Used Boat/ Used Motorcycle (Note 2) |
4.59% - 9.59% |
37-60 |
Calculator |
| Used Automobile/ Used Boat/ Used Motorcycle (see Note 1,2) |
5.75% - 10.75% |
61-72 |
Calculator |
| Used Automobile 7 years of age or older (see Note 2) |
10.75% - 15.75% |
36 |
Calculator |
| New and Used Recreation Vehicle (see Note 3) |
6.00% - 11.00% |
up to 84 |
Calculator |
| New and Used Recreation Vehicle (see Note 3) |
7.00% - 12.00% |
85 -120 |
Calculator |
| New Small Equipment (see Note 4) |
7.75% - 12.75% |
72 |
Calculator |
| Used Small Equipment (see Note 4) |
8.75% - 13.75% |
72 |
Calculator |
| New Computer |
5.75% - 10.75% |
36 |
Calculator |
| Used Computer |
7.75% - 12.75% |
36 |
Calculator |
| Signature/Line-of-Credit |
11.90% - 18.00% |
up to 24 |
Calculator |
| Signature/Line-of-Credit |
13.90% - 18.00% |
25 -36 |
Calculator |
| Signature/Line-of-Credit |
15.90% - 18.00% |
37 - 60 |
Calculator |
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Share Secured Loan (2.50% above the current share dividend rate)
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3.55% |
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Calculator |
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Certificate Secured Loan (2.50% above the current certificate dividend rate)
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2.50% above |
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| Consolidation |
11.90% - 18.00% |
12-60 |
Calculator |
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Note 1: You must finance at least $20,000.00 to have financing for a 72 month term and $35,000.00 for a 73 - 84 month term
Note 2: We do not finance automobiles over 10 years of age unless they are considered classic and/or antiques.
Note 3: You must finance at least $30,000.00 to have financing for a term longer than 60 months of recreation vehicles.
Note 4: Small Equipment includes spas, pianos, tractors, hearing aids, storage buildings, riding lawn mowers, etc.
| Loans |
ANNUAL PERCENTAGE RATE |
Approximate term |
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| Home Improvement - up to $7,500 |
7.99% |
84 |
Calculator |
| Home Improvement/Second Mortgage - $7,500 to $100,000 |
6.99% |
240 |
Calculator |
| Home Equity Line of Credit / HELOC (see Note 5) |
5.99% |
N/A |
Calculator |
| MasterCard, Gold (Standard rate) |
8.50% - 10.50% |
N/A |
Calculator |
Note 5: HELOC rate is base on the Wall Street Journal Prime Rate (WSJPR) with a margin of 2%. The 5.99% is a discount rate effective for 12 months. After 12 months the rate will return to the WSJPR plus 2% established at the origination date of the loan. Please call for the most current rate and more details.
Go To Loan Application | Go To Calculators | Back to Top
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| Savings |
Dividend Rate |
ANNUAL PERCENTAGE YIELD |
Minimum Balance |
| Share (Savings) Account |
1.050% |
1.054% |
$5.00 |
| Club Account: Christmas & Vacation |
1.050% |
1.054% |
N/A |
| Green and Gold Account |
3.150% |
3.187% |
$5.00 |
| Money Market Account |
1.700% |
1.713% |
$1,500.00 |
| IRA: Regular, Roth, Education |
2.500% |
2.524% |
N/A |
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Effective 08/15/08
If you are purchasing a jumbo certificate (in excess of $50,000.00), you will earn an .25%, above our standard rates.
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| Certificates* |
Rate |
ANNUAL PERCENTAGE YIELD
|
Term
|
Minimum Balance** |
| Share Certificate |
2.716% |
2.750% |
3 |
$1,000.00 |
| Share Certificate |
2.960% |
3.000% |
6 |
$1,000.00 |
| Share Certificate |
3.203% |
3.250% |
12 |
$1,000.00 |
| Share Certificate |
3.695% |
3.758% |
36 |
$1,000.00 |
| IRA Certificates* |
Rate |
ANNUAL PERCENTAGE YIELD
|
Term
|
Minimum Balance** |
| IRA Certificate |
2.716% |
2.750% |
3 |
$1,000.00 |
| IRA Certificate |
2.960% |
3.000% |
6 |
$1,000.00 |
| IRA Certificate |
3.203% |
3.250% |
12 |
$1,000.00 |
| IRA Certificate |
3.695% |
3.758% |
36 |
$1,000.00 |
An early withdrawal penalty may be assessed for early maturity based on the term.
**Members, 18 years of age and younger, can open a Certificate of Deposit with a minimum balance of $250.00. They will also earn an additional .01% for each birthday they have reached, with a maximum
addition of .17% above our standard rate.
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