| Your savings federally insured to at least $100,000 and backed by the full faith of the U.S. Government. National Credit Union Administration, a U.S. Government Agency. |
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Current Rates |
| Vehicle Loan Type |
Term |
*APR (as low as) |
| L17 |
New Auto (2007-2008) |
24 Months |
5.25%
|
| |
Never Titled |
36 Months |
5.25%
|
| |
|
48 Months |
5.50%
|
| |
|
60 Months |
5.50%
|
| |
>$15,000 (680+Credit Score no DP) |
72 Months |
5.75%
|
| L16 |
Used Auto (2008-2004) |
24 Months |
5.50%
|
| |
Previously Titled |
36 Months |
5.50%
|
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|
48 Months |
5.75%
|
| |
|
60 Months |
5.75%
|
| |
>$15,000 (680+Credit Score no DP) |
72 Months |
6.00%
|
| L16 |
Used Auto (2003-2000) |
24 Months |
8.00% |
| |
Titled |
36 Months |
8.25% |
| |
|
48 Months |
8.50% |
| L13 |
New Motorcycle/Tractor
(Never Titled) |
24-60 Months |
6.75% |
| |
|
72 Months |
7.75% |
| L12 |
Used Motorcycle/Tractor
(Titled) |
24-60 Months |
7.75% |
| L19 |
New Boat - 2008- 2005 |
24-120 Months |
7.00% |
| L18 |
Used Boat - 2008 - 1991 |
24-84 Months |
7.75% |
| |
>$25,000 (730+Credit Score no DP) |
|
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>$50,000 (No Private Party Sales) |
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| L15 |
New RV/Camper |
24-60 Months |
6.75% |
| |
|
72 Months |
7.00% |
| |
>$25,000 (730+Credit Score no DP) |
84 Months |
7.25% |
| |
>$50,000 (No Private Party Sales) |
120 Months |
7.50% |
| L14 |
Used RV's/Campers |
24-60 Months |
7.00% |
|
|
72 Months |
as low as 7.25% |
| |
>$25,000 (730+Credit Score no DP) |
84 Months |
as low as 7.50% |
| |
>$50,000 (No Private Party Sales) |
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Installment Loans for Personal and Older Used Vehicles |
Limit: To $999 |
14.90% |
| |
|
Limit: $1000 - Up |
11.90% |
| L40 |
Signature Loan/Installment |
12-48 Months |
10.90% |
| |
>2,500 |
|
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| L51 |
Signature Loan/Open End |
12-36 Months |
15.90% |
| |
<$2,500 |
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| *Annual Percentage Rate (APR). Individual rate is determined by an evaluation of the applicant’s credit history. Your actual rate may vary. Subject to credit approval. All rates subject to change at any time without notice. |
| Real Estate Loan Type |
Term |
*APR (as low as) |
| |
Home Equity |
24-120 Months |
5.75% APR 80% LTV |
| |
|
24-120 months |
5.99% APR
90% LTV |
| |
|
24-120 months |
6.75% APR
91-100% LTV |
| |
First Mortgage |
Rates vary daily.
|
For current information call 1-800-449-7301 |
| VISA Credit Card Type |
*APR (as low as) |
| *Annual Percentage Rate (APR). Individual rate is determined by an evaluation of the applicant’s credit history. Your actual rate may vary. Subject to credit approval. All rates subject to change at any time without notice. |
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| Savings Account Type |
*APY |
*APR |
Min. Balance to Earn Dividends / Interest |
| S1 |
Membership Shares |
Prior Month |
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| S12 |
Bailey Bobcat* |
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Tier 1 ($0-$24.99) |
0.00% |
0.00% |
$0.00 |
| |
Tier 2 ($25.00-$1999.99) |
0.50% |
0.50% |
$25.00 |
| |
Tier 3 ($2000.00-$9999.99) |
0.75% |
0.75% |
$2000.00 |
| |
Tier 4 ($10,000.00-$24,999.99) |
0.75% |
0.75% |
$10,000.00 |
| |
Tier 5 ($25,000.00+) |
1.01% |
1.00% |
$25,000.00 |
| S2 |
Custom Daily Savings |
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Tier 1 ($0-$499.99) |
0.00% |
0.00% |
$0.00 |
| |
Tier 2 ($500.00-$1999.99) |
.050% |
.050% |
$500.00 |
| |
Tier 3 ($2000.00-$9999.99) |
0.75% |
0.75% |
$2000.00 |
| |
Tier 4 ($10,000.00-$24,999.99) |
0.75% |
0.75% |
$10,000.00 |
| |
Tier 5 ($25,000.00+) |
1.01% |
1.00% |
$25,000.00 |
| S7 |
Special Savings |
0.25% |
0.25% |
$10.00 |
| S5 |
Holiday Savings |
0.25% |
0.25% |
$0.00 |
| S59 |
Custom Money Market |
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| S59 |
Tier 1($0.01-$4999.99) |
0.75% |
0.75% |
$0.01 |
| S59 |
Tier 2 ($5000.00-$9,999.99) |
1.25% |
1.24% |
$5,000.00 |
| S59 |
Tier 3 ($10,000.00-$24,999.99) |
2.50% |
2.47% |
$10,000.00 |
| S59 |
Tier 4 ($25,000.00-$49,999.99) |
3.00% |
2.96% |
$25,000.00 |
| S59 |
Tier 5 ($50,000.00+) |
3.00% |
2.96% |
$50,000.00 |
| Checking Account Type |
*APY |
*APR |
Min. Balance to Earn Dividends / Interest |
S55 |
Emeritus |
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Tier 1 ($0-$999.99) |
0.00% |
0.00% |
$0.00 |
| |
Tier 2 ($1000-$1999.99) |
0.50% |
0.50% |
$1000.00 |
| |
Tier 3 ($2000-$9999.99) |
0.75% |
0.75% |
$2000.00 |
| |
Tier 4 ($10,000-$24999.99) |
1.01% |
1.00% |
$10,000.00 |
| |
Tier 5 ($25,000 +) |
1.25% |
1.24% |
$25,000.00 |
S50 |
Premier Now |
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Tier 1 ($0-$999.99) |
0.00% |
0.00% |
$0.00 |
| |
Tier 2 ($1000-$1999.99) |
0.50% |
0.50% |
$1000.00 |
| |
Tier 3 ($2000-$9999.99) |
0.75% |
0.75% |
$2000.00 |
| |
Tier 4 ($10,000-$24999.99) |
1.01% |
1.00% |
$10,000.00 |
| |
Tier 5 ($25,000 +) |
1.25% |
1.24% |
$25,000.00 |
*Annual Percentage Rate (APR) and Annual Percentage Yield (APY).
*Membership Share dividends are declared monthly by the Board of Directors.
| Certificate Type |
*APY |
*APR |
Min. Balance to Earn Dividends / Interest |
| |
$0 - $49,999 |
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| I11 |
6 Months |
2.25% |
2.23% |
$1000.00 |
|
16 Month Special
with checking account or Money Market |
3.55% |
3.50% |
$1000.00 |
| I12 |
12 Months |
2.50% |
2.48% |
$1000.00 |
| I13 |
18 Months |
2.75% |
2.72% |
$1000.00 |
| I14 |
24 Months |
3.75% |
3.70% |
$500.00 |
| I15 |
30 Months |
4.00% |
3.94% |
$500.00 |
| I16 |
48 Months |
4.00% |
3.94% |
$500.00 |
| I17 |
60 Months |
4.00% |
3.94% |
$500.00 |
| |
$50,000 + |
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| I6 |
3 - 11 Months |
2.35% |
2.33% |
$50,000.00 |
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16 Month Special
with checking account or Money Market |
3.70% |
3.65% |
$50,000.00 |
| I6 |
12 - 17 Months |
2.61% |
2.58% |
$50,000.00 |
| I6 |
18 - 23 Months |
2.85% |
2.82% |
$50,000.00 |
| I6 |
24 - 29 Months |
3.85% |
3.80% |
$50,000.00 |
| I6 |
30 - 47 Months |
4.10% |
4.04% |
$50,000.00 |
| I6 |
48 - 59 Months |
4.10% |
4.04% |
$50,000.00 |
I6 |
60 Months |
4.10% |
4.04% |
$50,000.00 |
| Individual Retirement Account (IRA) |
*APY |
*APR |
Min. Balance to Earn Dividends / Interest |
| Traditional |
Roth |
$0 - $49,999 |
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| I72 |
I82 |
12 Months |
2.50% |
2.48% |
$1000.00 |
| I73 |
I83 |
18 Months |
2.75% |
2.72% |
$1000.00 |
| I74 |
I84 |
24 Months |
2.90% |
2.87% |
$1000.00 |
| I75 |
I85 |
30 Months |
4.00% |
3.94% |
$1000.00 |
| I76 |
I86 |
48 Months |
3.15% |
3.11% |
$1000.00 |
| I77 |
I87 |
60 Months |
3.15% |
3.11% |
$1000.00 |
| Traditional |
Roth |
$50,000 + |
|
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| I7 |
I8 |
12 - 17 Months |
2.61% |
2.58% |
$50,000.00 |
| I7 |
I8 |
18 - 23 Months |
2.85% |
2.82% |
$50,000.00 |
| I7 |
I8 |
24 - 29 Months |
3.00% |
2.97% |
$50,000.00 |
| I7 |
I8 |
30 - 47 Months |
3.00% |
2.97% |
$50,000.00 |
| I7 |
I8 |
48 - 59 Months |
3.25% |
3.21% |
$50,000.00 |
| I7 |
I8 |
60 Months |
3.25% |
3.21% |
$50,000.00 |
| IRA Term Share Certificate |
*APY |
*APR |
Min. Balance to Earn Dividends / Interest |
| Traditional |
Roth |
|
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| S8 |
S80 |
$200-$4999.99 |
.50% |
.50% |
$200.00 |
| S8 |
S80 |
$5000-$9999.99 |
0.60% |
0.60% |
$5000.00 |
| S8 |
S80 |
$10,000-$24,999.99 |
0.75% |
0.75% |
$10,000.00 |
| S8 |
S80 |
$25,000-$49,999.99 |
1.01% |
1.00% |
$25,000.00 |
| S8 |
S80 |
$50,000.00+ |
1.25% |
1.24% |
$50,000.00 |
Early IRA withdrawal is subject to IRS penalty… contact your tax advisor. |
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