| Your savings federally insured to at least $250,000 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 (2010-2009) |
24 Months |
0% - 3.99%
|
| |
Never Titled |
36 Months |
0% - 3.99% |
| |
|
48 Months |
0% - 3.99% |
| |
|
60 Months |
0% - 3.99% |
| |
>$15,000 |
72 Months |
0% - 4.99% |
| L16 |
Used Auto (2008-2005) |
24 Months |
0% - 3.99%
|
| |
Previously Titled |
36 Months |
0% - 3.99%
|
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|
48 Months |
0% - 3.99%
|
| |
|
60 Months |
0% - 3.99%
|
| |
>$15,000 |
72 Months |
0% - 4.99%
|
| L16 |
Used Auto (2004-2002) |
24 Months |
0% - 3.99% |
| |
Titled |
36 Months |
0% - 3.99% |
| |
|
48 Months |
0% - 3.99% |
| |
|
60 Months |
0% - 3.99% |
| L13 |
New Motorcycle/Tractor
(Never Titled) |
24-60 Months |
6.25% |
| |
|
72 Months |
7.25% |
| L12 |
Used Motorcycle/Tractor
(Titled) |
24-60 Months |
7.25% |
| L19 |
New Boat - 2008- 2005 |
24-120 Months |
6.50% |
| L18 |
Used Boat - 2008 - 1991 |
24-84 Months |
7.25% |
| |
>$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 |
6.25% |
| |
|
72 Months |
6.50% |
| |
>$25,000 (730+Credit Score no DP) |
84 Months |
6.74% |
| |
>$50,000 (No Private Party Sales) |
120 Months |
7.00% |
| L14 |
Used RV's/Campers |
24-60 Months |
6.50% |
|
|
72 Months |
6.74% |
| |
>$25,000 (730+Credit Score no DP) |
84 Months |
7.00% |
| |
>$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 |
10.40% |
| |
>2,500 |
|
|
| L51 |
Signature Loan/Open End |
12-36 Months |
15.40% |
| |
<$2,500 |
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| *Annual Percentage Rate (APR). Individual rate is determined by an evaluation of the applicant’s credit history. Your actual rate may vary. Subject to credit approval. All rates subject to change at any time without notice. |
| Real Estate Loan Type |
Term |
**APR (as low as) |
 |
|
Home Equity
Up to 80% LTV
81% - 90% LTV
91% - 100% LTV
Requires new appraisal
|
24-60 Months
61-84 Months
85-120
Months
121-180 Months
24-60 Months
61-84 Months
85-120
Months
121-180 Months
24-60 Months
61-84 Months
85-120
Months
121-180 Months |
5.99%
6.25%
6.50%
6.75%
6.25%
6.50%
6.75%
699%
7.50%
7.50%
7.50%
7.50%
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Construction Loan |
6 Months |
6.25% |
| |
|
First Mortgage |
Click for Rates |
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| VISA Credit Card Type |
**APR (as low as) |
| *Annual Percentage Rate (APR). Individual rate is determined by an evaluation of the applicant’s credit history. Your actual rate may vary. Subject to credit approval. All rates subject to change at any time without notice. |
|
| Savings Account Type |
**APY |
**APR |
Min. Balance to Earn Dividends / Interest |
| S1 |
Membership Shares |
Prior Month |
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| S12 |
Bailey Bobcat* |
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Tier 1 ($.00-$4.99) |
0.00% |
0.00% |
$0.00 |
| |
Tier 2 ($5 - $1,999.99) |
0.25% |
0.25% |
$5.00 |
| |
Tier 3 ($2000.00-$9999.99) |
0.50% |
0.50% |
$2000.00 |
| |
Tier 4 ($10,000.00-$24,999.99) |
0.60% |
0.60% |
$10,000.00 |
| |
Tier 5 ($25,000.00+) |
0.75% |
0.75% |
$25,000.00 |
| S17 |
Jr. Executives * |
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Tier 1 ($.00-$500) |
1.00% |
1.00% |
$0.00 |
| |
Tier 2 ($500.01 -$1,999.99) |
0.25% |
0.25% |
$500.00 |
| |
Tier 3 ($2000.00-$9999.99) |
0.50% |
0.50% |
$2000.00 |
| |
Tier 4 ($10,000.00-$24,999.99) |
0.60% |
0.60% |
$10,000.00 |
| |
Tier 5 ($25,000.00+) |
0.75% |
0.75% |
$25,000.00 |
| S24 |
Smart Young Investor* |
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Tier 1 ($.00-$2,500) |
1.49% |
1.50% |
$0.00 |
| |
Tier 2 ($2,500.01 -$9,999.99) |
0.50% |
0.50% |
$25.00 |
| |
Tier 3 ($10,000.00-$24,999.99) |
0.60% |
0.60% |
$2000.00 |
| |
Tier 5 ($25,000.00+) |
0.75% |
0.75% |
$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) |
0.25% |
0.25% |
$500.00 |
| |
Tier 3 ($2000.00-$9999.99) |
0.50% |
0.50% |
$2000.00 |
| |
Tier 4 ($10,000.00-$24,999.99) |
0.60% |
0.60% |
$10,000.00 |
| |
Tier 5 ($25,000.00+) |
0.75% |
0.75% |
$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($0.00-$4999.99) |
0.35% |
0.35% |
$0.00 |
| S59 |
Tier 2 ($5000.00-$9,999.99) |
.55% |
.55% |
$5,000.00 |
| S59 |
Tier 3 ($10,000.00-$24,999.99) |
1.10%
|
1.09% |
$10,000.00 |
| S59 |
Tier 4 ($25,000.00-$49,999.99) |
1.25% |
1.24% |
$25,000.00 |
| S59 |
Tier 5 ($50,000.00- $99,999.99) |
1.35% |
1.34% |
$50,000.00 |
| S59 |
Tier 6 ($100,000+) |
1.45% |
1.44% |
$100,000.00 |
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| 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) |
0.25% |
0.25% |
$1000.00 |
| |
Tier 3 ($2000-$9999.99) |
0.50% |
0.50% |
$2000.00 |
| |
Tier 4 ($10,000-$24999.99) |
0.60% |
0.60% |
$10,000.00 |
| |
Tier 5 ($25,000 +) |
0.75% |
0.75% |
$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) |
0.25% |
0.25% |
$1000.00 |
| |
Tier 3 ($2000-$9999.99) |
0.50% |
0.50% |
$2000.00 |
| |
Tier 4 ($10,000-$24999.99) |
0.60% |
0.60% |
$10,000.00 |
| |
Tier 5 ($25,000 +) |
0.75% |
0.75% |
$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 |
1.00% |
1.00% |
$1000.00 |
| |
15 Months |
1.35% |
1.34% |
$1000.00 |
| I12 |
12 Months |
1.25% |
1.24% |
$1000.00 |
| I13 |
18 Months |
1.65% |
1.64% |
$1000.00 |
| I14 |
24 Months |
2.00% |
1.98% |
$500.00 |
| I15 |
30 Months |
2.25% |
2.23% |
$500.00 |
| I16 |
48 Months |
2.50% |
2.48% |
$500.00 |
| I17 |
60 Months |
3.00% |
2.97% |
$500.00 |
| |
$50,000 + |
|
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|
| I6 |
6 - 11 Months |
1.11% |
1.10% |
$50,000.00 |
| I6 |
15 Months |
1.45% |
1.44% |
$50,000 |
| I6 |
12 - 17 Months |
1.35% |
1.34% |
$50,000.00 |
| I6 |
18 - 23 Months |
1.75% |
1.74% |
$50,000.00 |
| I6 |
24 - 29 Months |
2.10% |
2.08% |
$50,000.00 |
| I6 |
30 - 47 Months |
2.35% |
2.33% |
$50,000.00 |
| I6 |
48 - 59 Months |
2.60% |
2.57% |
$50,000.00 |
I6 |
60 Months |
3.10% |
3.06% |
$50,000.00 |
| IRA Term Share Certificate |
**APY |
**APR |
Min. Balance to Earn Dividends / Interest |
| Traditional |
Roth |
$0 - $49,999 |
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|
| I72 |
I82 |
12 Months |
1.25% |
1.24% |
$1000.00 |
| I73 |
I83 |
18 Months |
1.65% |
1.64% |
$1000.00 |
| I74 |
I84 |
24 Months |
2.00% |
1.98% |
$1000.00 |
| I75 |
I85 |
30 Months |
2.25% |
2.23% |
$1000.00 |
| I76 |
I86 |
48 Months |
2.50% |
2.48% |
$1000.00 |
| I77 |
I87 |
60 Months |
3.00% |
2.97% |
$1000.00 |
| Traditional |
Roth |
$50,000 + |
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| I7 |
I8 |
12 - 17 Months |
1.35% |
1.34% |
$50,000.00 |
| I7 |
I8 |
18 - 23 Months |
1.75% |
1.74% |
$50,000.00 |
| I7 |
I8 |
24 - 29 Months |
2.10% |
2.08% |
$50,000.00 |
| I7 |
I8 |
30 - 47 Months |
2.35% |
2.33% |
$50,000.00 |
| I7 |
I8 |
48 - 59 Months |
2.60% |
2.57% |
$50,000.00 |
| I7 |
I8 |
60 Months |
3.10% |
3.06% |
$50,000.00 |
| **Annual Percentage Rate (APR) and Annual Percentage Yield (APY). |
| Individual Retirement Account (IRA) |
| Traditional |
Roth |
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| S8 |
S80 |
$200-$4999.99 |
.25% |
.25% |
$200.00 |
| S8 |
S80 |
$5000-$9999.99 |
0.50% |
0.50% |
$5000.00 |
| S8 |
S80 |
$10,000-$24,999.99 |
0.60% |
0.60% |
$10,000.00 |
| S8 |
S80 |
$25,000-$49,999.99 |
.75% |
.75% |
$25,000.00 |
| S8 |
S80 |
$50,000.00+ |
1.01% |
1.00% |
$50,000.00 |
Early IRA withdrawal is subject to IRS penalty… contact your tax advisor. |
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