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    Rates set are subject to change. 
Please call  the Credit Union for the most accurate rates. Effective 7/1/2010

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or call  1-866-507-8717

ANNUAL PERCENTAGE RATE

Approximate term

Vacation Loan (Available until 8/31/10) 4.99%-15.99% up to 12
GO GREEN-Up to $500.00 (Eco-friendly items) 5.10%-13.10% up to 12
GO GREEN-Up to $5000.00 (Eco-friendly appliances) 5.50%-13.50% up to 48
GO GREEN- Home Improvement* up to $7,500 7.00% 84
GO GREEN- Home Improvement* $7,500 to $100,000 6.00% up to 240
GO GREEN- HELOC (see Note 5)* 5.00% N/A

Automobile
(New or Used) See Note 2

3.75% - 10.75% up to 36

Automobile
(New or Used)
See Note 2 NADA Value

4.25% - 11.25% 37-60
Automobile
(New or Used) See Notes 1 & 2
4.75% - 11.75% 61-72
Boat or Motorcycle 
(New or Used) See Note 2
5.75% - 12.75% up to 36
Boat or Motorcycle 
(New or Used) See Note 2
6.25% - 13.25% 37-60
Boat or Motorcycle 
(New or Used) See Notes 1 & 2
6.75% - 13.75% 61-72
Used Automobile 7 years of age or older (see Note 2) NADA Value 11.00% - 18.00% 36
New and Used Recreation Vehicle (see Note 3)   5.75% - 11.25% up to 84
New and Used Recreation Vehicle (see Note 3) 6.75% - 13.75% 85 -120
New Small Equipment (see Note 4) 9.75% - 16.75% 72
Used Small Equipment (see Note 4) 10.75% - 17.75% 72
Signature/Line-of-Credit (see Note 6) 7.40% - 18.00% up to 48

Share Secured Loan (3% above the current share dividend rate)

3.30%  N/A

Certificate Secured Loan (3% above the current certificate dividend rate)

3.00% above  N/A
Consolidation 10.00% - 18.00% up to 48
Home Improvement - up to $7,500 7.50% 84
Home Improvement- $7,500 to $100,000 6.50% 240
Home Equity Line of Credit / HELOC (see Note 5) 5.50% N/A
MasterCard, Gold (Standard rate) 

8.90% - 18.00%

N/A

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 $25,000.00 to have financing for a term up to 10 years for a used recreation vehicle, and a term of 15 years for a new recreation vehicle.

Note 4:  Small Equipment includes spas, pianos, tractors, hearing aids, storage buildings, riding lawn mowers, computers, etc.

Note 5:  HELOC rate is base on the Wall Street Journal Prime Rate (WSJPR) with a margin of 2%.  The 5.50% 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.

Note 6: The term will be based on the amount financed.

*to make large Eco-friendly purchase or upgrades (solar panels, new ac, new windows, etc.)

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Effective 08/15/10
Savings    Dividend Rate ANNUALPERCENTAGE YIELD Minimum Balance
Share (Savings) Account 0.30% 0.30% $5.00
Christmas & Vacation
Club Account
0.40% 0.401% N/A
Swipe & Save 5.10% 5.198% N/A
Green & Gold/YO! Account (Info) 2.50% 2.524% $5.00
Money Market Account 0.40% 0.401% $1,500.00

MatriMoney Account (Info) 

2.10% 2.117% $25.00
Educational IRA (Info)

1.00%

1.004%

N/A
Traditional / Roth IRA (Info)

1.00%

1.004%

N/A

Effective 08/20/2010

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Certificates* Rate

ANNUAL PERCENTAGE YIELD

Term

Minimum Balance**
Share Certificate 0.25% 0.250%  3 $1,000.00
Share Certificate 0.55% 0.552%  6 $1,000.00
Share Certificate 0.80% 0.803% 12 $1,000.00
Share Certificate 1.30% 1.308% 36 $1,000.00
IRA Certificates* Rate

ANNUAL PERCENTAGE YIELD

Term

Minimum Balance**
IRA Certificate 0.25% 0.250%  3 $1,000.00
IRA Certificate 0.55% 0.552%  6 $1,000.00
IRA Certificate 0.80% 0.803% 12 $1,000.00
IRA Certificate 1.30% 1.308% 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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