Current Rates

Loan rates effective 07/19/2018 and subject to change. 


APR = Annual Percentage Rate
* = As low as

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AUTO LOANS
Auto Loans
Boat/Motorcycle/Tractor Loans
RV Loans
Other Vehicles

STUDENT LOANS
Student Loan
Student Refinance

REAL ESTATE LOANS
Home Equity Loans
First Mortgage

VISA CREDIT CARDS
Credit Cards

OTHER LOANS
Other Loans


Auto Loans

 Type Loan Type Term
*APR
L17 New Auto  (2018-2017) 24 Months

3.50%

  Never Titled 36 Months 3.50%
    48 Months 3.50%
    60 Months 3.50%
  >$15,000 72 Months 4.50%
L16 Used Auto  (2017-2008) 24 Months 3.75%
  Previously Titled 36 Months 3.75%
    48 Months 3.75%
    60 Months 3.75%
  >$15,000 72 Months 4.75%
L16 Used Auto  (2007-2006) 24 Months 4.00%
  Titled 36 Months 4.00%
    48 Months 4.00%
    60 Months 4.00%
L13 New Motorcycle/ATV
(Never Titled)
24-60 Months 4.50%
    72 Months 5.50%
L12 Used Motorcycle/ATV
(Titled)
24-60 Months 5.50%
L19 New Boat - 2018 - 2017 24-120 Months 6.00%
L18 Used Boat - 2017-2004 24-84 Months

6.74%

L15 New RV/Camper
(Never Titled)
24-60 Months 5.75%
    72 Months 6.00%
    84 Months 6.25%
    120-144 Months 6.50%
L14 Used RV's/Campers
(up to 20 years old) 2017-1997
24-60 Months 6.00%
  72-84 Months 6.25%
    120-144 Months 6.50%
       
L40 Signature Loan/Closed End 12-48 Months 6.99%
  >$2,500    
L51 Signature Loan/Open End 12-36 Months 15.40%
  <$2,500    
       
       

Real Estate Loans

Loan Type Term
*APR
Home Equity LOC - Variable Revolving 5.00%

Home Equity
Up to 80% LTV

 


81% - 90% LTV





91% - 100% LTV
Currently Not Available

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

n/a
n/a
n/a
n/a

n/a
n/a
n/a
n/a

n/a
n/a
n/a
n/a

Construction Loan 6 Months 5.25%
First Mortgage Click for Rates  

 

VISA Credit Cards

Card Type
*APR

VISA Platinum

7.90%

VISA Platinum Plus 8.90%

MD07192018

Savings & Deposit Rates

Saving rates effective 8/1/2013 and subject to change.
APY = Annual Percentage Yield

* = As high as

SAVINGS ACCOUNTS
Savings Accounts

DEPOSIT ACCOUNTS
Term Share Certificates
IRA Accounts
IRA Term Share Certificates
Money Market

CHECKING ACCOUNTS
Checking Accounts

Sample Rates & Payment Info
Fee Schedule
Account Information Disclosure

Savings Accounts

 Type
Account
*APY

*Dividend
Rate

Min. Bal. to Earn Dividends/Interest
S1
     
 
Tier 1 ($.00-$4.99)
0.00%

0.00%

$0.00
 
Tier 2 ($5-$1,999.99)
0.20%
0.20%
$5.00
 
Tier 3 ($2000.00-$9999.99)
0.23%
0.23%
$2,000.00
 

Tier 4 ($10,000.00-$24,999.99)

0.25%
0.25%
$10,000.00
 
Tier 5 ($25,000.00+)
0.35%
0.35%
$25,000.00
S12
     
 
Tier 1 ($.00-$4.99)
0.00%
0.00%
$0.00
 
Tier 2 ($5 - $1,999.99)
0.20%
0.20%
$5.00
 
Tier 3 ($2000.00-$9999.99)
0.23%
0.23%
$2,000.00
 
Tier 4 ($10,000.00-$24,999.99)
0.25%
0.25%
$10,000.00
 
Tier 5 ($25,000.00+)
0.35%
0.35%
$25,000.00
S17
     
 
Tier 1 ($.00-$500)
1.00%
1.00%
$0.00
 
Tier 2 ($500.01 -$1,999.99)
0.20%
0.20%
$500.00
 
Tier 3 ($2000.00-$9999.99)
0.23%
0.23%
$2,000.00
 
Tier 4 ($10,000.00-$24,999.99)
0.25%
0.25%
$10,000.00
 
Tier 5 ($25,000.00+)
0.35%
0.35%
$25,000.00
S24
     
 
Tier 1 ($.00-$2,500)
1.25%
1.24%
$0.00
 
Tier 2 ($2,500.01 -$9,999.99)
0.23%
0.23%
$2,500.00
 
Tier 3 ($10,000.00-$24,999.99)
0.25%
0.25%
$10,000.00
 
Tier 5 ($25,000.00+)
0.35%
0.35%
$25,000.00
S2
     
 
Tier 1 ($0-$499.99)
0.00%
0.00%
$0.00
 
Tier 2 ($500.00-$1999.99)
0.20%
0.20%
$500.00
 
Tier 3 ($2000.00-$9999.99)
0.23%
0.23%
$2,000.00
 
Tier 4 ($10,000.00-$24,999.99)
0.25%
0.25%
$10,000.00
 
Tier 5 ($25,000.00+)
0.35%
0.35%
$25,000.00
S7
0.25%
0.25%
$10.00
S5
0.25%
0.25%
$0.00
S59
     
S59
Tier 1($0.01-$4999.99)
0.25%
0.25%
$0.01
S59
Tier 2 ($5000.00-$9,999.99)
0.30%
0.30%
$5,000.00
S59
Tier 3 ($10,000.00-$24,999.99)

0.35%

0.35%
$10,000.00
S59
Tier 4 ($25,000.00-$49,999.99)
0.40%
0.40%
$25,000.00
S59
Tier 5 ($50,000.00- $99,999.99)
0.45%
0.45%
$50,000.00
S59
Tier 6 ($100,000+)
0.50%
0.50%
$100,000.00

 

Checking Accounts

 
Account
*APY
*Dividend
Rate
Min. Bal. to Earn Dividends/Interest

S55

Emeritus     

     
 
Tier 1 ($0-$999.99)
0.00%
0.00%
$0.00
 
Tier 2 ($1000-$1999.99)
0.10%
0.10%
$1000.00
 
Tier 3 ($2000-$9999.99)
0.15%
0.15%
$2000.00
 
Tier 4 ($10,000-$24,999.99)
0.20%
0.20%
$10,000.00
 
Tier 5 ($25,000 +)
0.30%
0.30%
$25,000.00

S50

Premier Now

     
 
Tier 1 ($0-$999.99)
0.00%
0.00%
$0.00
 
Tier 2 ($1000-$1999.99)
0.10%
0.10%
$1000.00
 
Tier 3 ($2000-$9999.99)
0.15%
0.15%
$2000.00
 
Tier 4 ($10,000-$24,999.99)
0.20%
0.20%
$10,000.00
 
Tier 5 ($25,000 +)
0.30%
0.30%
$25,000.00


**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Term Share Certificates

Type
Account
*APY
*Dividend
Rate
Min. Bal. to Earn Dividends/Interest
 
$500.00 - $49,999.99
     
I11
6 - 11 Months
0.25%
0.25%
$1000.00
 
15 Month Special
0.55%
0.55%
$1000.00
I12
12 - 17 Months
0.50%
0.50%
$1000.00
I13
18 - 23 Months
0.60%
0.60%
$1000.00
I14
24 - 29 Months
0.70%
0.70%
$500.00
I15
30 - 47 Months
1.00%
1.00%
$500.00
I16
48 - 59 Months
1.15%
1.14%
$500.00
I17
60 Months
1.40%
1.39%
$500.00
 
$50,000 +
     
I41
6 - 11 Months
0.30%
0.30%
$50,000.00
 
15 Month Special
0.60%
0.60%
$50,000.00
I42
12 - 17 Months
0.55%
0.55%
$50,000.00
I43
18 - 23 Months
0.65%
0.65%
$50,000.00
I44
24 - 29 Months
0.75%
0.75%
$50,000.00
I45
30 - 47 Months
1.05%
1.05%
$50,000.00
I46
48 - 59 Months
1.20%
1.19%
$50,000.00

I47

60 Months
1.45%
1.44%
$50,000.00

 

Individual Retirement Accounts

Account
 Type  Range
*APY
*Dividend Rate
Min. Bal. to Earn Dividends
$1000 - $49,999.99
     
I72
I82
12  - 17 Months
0.50%
0.50%
$1000.00
I73
I83
18  - 23 Months
0.60%
0.60%
$1000.00
I74
I84
24 - 29 Months
0.70%
0.70%
$1000.00
I75
I85
30 - 47 Months
1.00%
1.00%
$1000.00
I76
I86
48 - 59 Months
1.15%
1.14%
$1000.00
I77
I87
60 Months
1.40%
1.39%
$1000.00
$50,000 +
     
I52
I62
12 - 17 Months
0.55%
0.55%
$50,000.00
I53
I63
18 - 23 Months
0.65%
0.65%
$50,000.00
I54
I64
24 - 29 Months
0.75%
0.75%
$50,000.00
I55
I65
30 - 47 Months
1.05%
1.05%
$50,000.00
I56
I66
48 - 59 Months
1.20%
1.19%
$50,000.00
I57
I67
60 Months
1.45%
1.44%
$50,000.00

**Annual Percentage Yield (APY)

Individual Retirement Share Accounts

Account
 Type  Range
*APY
*Dividend
Rate
Min. Bal. to Earn Dividends
Traditional Roth        
S8
S80
$200-$4999.99
0.25%
0.25%
$200.00
S8
S80
$5000-$9999.99
0.30%
0.30%
$5000.00
S8
S80
$10,000-$24,999.99
0.35%
0.35%
$10,000.00
S8
S80
$25,000-$49,999.99
0.45%
0.45%
$25,000.00
S8
S80
$50,000.00+
0.60%
0.60%
$50,000.00

Early IRA withdrawal is subject to IRS penalty… contact your tax advisor.
Federally insured by NCUA.

 

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