Deposit Rates  |  Consumer Loan Rates   |   Home Loans
Deposit Rates  (Non-CD Rates Effective 02/18/2010) Rates are subject to change.  Your Savings are federally insured up to $250,000 by the National Credit Union Administration, A U.S. Government Agency.  IRAs are federally insured separately up to $250,000.
Certificate Account and IRA Account - Fixed Rate  Term $1,000-$9,999.99  $10,000 and over  Dividend Declaration Date Dividend Rate APY* Dividend Rate APY*   7 Months** N/A N/A .99% 1.00% 02/17/2010   6 Months .49% .50% .59% .60% 02/17/2010 12 Months .89% .90% .94% .95% 02/17/2010 24 Months 1.24% 1.25% 1.49% 1.50% 02/17/2010 36 Months 1.49% 1.50% 1.99% 2.00% 02/17/2010 Youth Certificate Account  - Fixed Rate - primary account holder must be 17 years old or younger Minimum Balance Term Dividend Rate APY* Dividend Declaration Date $100*** 7 Months 1.49% 1.50% 02/17/2010 Certificate Account & IRA Certificate  - Fixed Rate  Minimum Balance Term Dividend Rate APY* Dividend Declaration Date $25,000   3 Months N/A N/A 02/17/2010 *The APY(Annual Percentage Yield) assumes that dividends will remain in the account until maturity.  A penalty for early  withdrawal may be imposed.  See your account disclosure for complete details..**This requires new money of at least $5,000 or direct deposit of $500 per month.  These rates effective 02/18/2010.*** Limited to $3,000 per member for youth certificates.	Quick Links: Become a member Open an account Calculate dividends Youth/Children Accounts
Share Deposit Account Rates Account Type Minimum to Open Average Daily Balance Dividend Rate* Annual Percentage Yield* Dividend Declaration Date Regular Share $5 $5 .20% .20% 02/17/2010 All Club Accounts $5 $5 .20% .20% 02/17/2010 Christmas Club $5 $5 .20% .20% 02/17/2010 Traditional IRA $5 $5 .20% .20% 02/17/2010 Roth IRA $5 $5 .20% .20% 02/17/2010 Educational IRA $5 $5 .20% .20% 02/17/2010 Money Market Account (Limited check access per month) $5 $5-$4,999.99 .20% .20%  02/17/2010 $5,000 $5,000-$9,999.99 .40% .40%  02/17/2010 $10,000 $10,000-$24,999.99 .60% .60%  02/17/2010 $25,000 $25,000 - $49,999 .80% .80%  02/17/2010 $50,000 $50,000-$99,999.99 .90% .90%  02/17/2010   $100,000 $100,000 and up 1.00% 1.00%  02/17/2010 *The dividend rates and Annual Percentage Yields(APY) are the anticipated rates and yields for the current period.  These rates are variable and may change at any time after the account is open. Back to Top
Consumer Loan Rates  (Effective 02/18/2010)
Auto Loan Rates  Model Year 100% Financing APR Terms Fixed/Variable 2009 or Newer 5.99%-11.24% 6.24%-11.49% 6.49%-11.74% Up to 60 months 61 mos - 72 mos 73 mos - 84 mos Fixed 2006-2008 6.75%-12.00% 7.00%-12.25% 7.25%-12.50% Up to 60 months 61 mos - 72 mos 73 mos - 84 mos Fixed 2001-2005 8.00%-13.25% 8.25%-13.50% 8.50%-13.75% Up to 60 months 61 mos - 72 mos 73 mos - 84 mos Fixed 2000 or older/under $5K 9.75%-15.00% Up to 48 months Fixed * Rates shown are for qualified borrowers and may vary with the vehicle, amount financed, term and credit history. Minimum of $15,000 amount financed for 72 months. Minimum of $30,000 financed for 84 months. Street legal motorcycles will be considered at the above rates.	Quick Links: Apply for a loan Calculate payments Find vehicle values Apply for a Visa®
Visa® Loans - Variable Rate - Scorecard Rewards - click here for details.   Visa Platinum Disclosure Annual Percentage Rate (APR) for Purchases 9.9% - 15.9% Variable rate based on credit score Other APRs Cash Advance APR same as above. Grace Period for Purchases 25 days Method of Computing the Balance for Purchases Average Daily Balance (including new purchases) Minimum Payment  3% of total new balance or $25, whichever is greater Annual Fee None Minimum Finance Charge None Transaction Fee for Purchases…………................. None Late Payment Fee………………….....................…...$15 Over-the Credit Limit Fee….………....................……$15  The information about the costs of the card described is accurate as of 12/08.
Signature Loan ($20,000 Maximum) - Fixed Rate  Maturity APR 12 Months 10.99% 24 Months 11.99% 36 Months 12.99% 48 Months 14.99% 60 Months 15.99%
Share Secured Loan - Variable Rate  Type Term APR Regular Share or Certificate Up to 60 months Dividend Rate + 2.50% Regular Share or Certificate 61 to 120 months    Dividend Rate + 3.25%
RV/Trailer/Boat/Recreational Sports Vehicle Loan - Fixed Rate Type 80% Financing - APR Terms RV/Boat under $35,000 7.75% Up to 120 months RV/Boat over $35,000 8.75% Up to 180 months Recreational Sports Vehicle 9.75% Up to 60 months    30' Maximum Length
Home Equity Line of Credit - Variable Rate -12/01/08 % Financed Rate APR Margin Index* 80% 5.00% 5.00% 3.00% 2.00% *Auction average of six month Treasury Bill for previous month.  These rates adjust on February 1st, May 1st, August 1st and November 1st. Back to Top
Home Loans
Mortgage & Home Equity Loans Mortgage and Home Equity Loans are also available. Call for current rates and terms.
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