Current Rates


LOAN RATES

LOAN TYPE TERM APR
Autos (New to 5 years old) 0 - 48 Months 2.49%
Autos (New to 5 years old) 49 - 60 Months 2.99%
Autos (New to 5 years old) 61 - 72 Months 3.99%
Autos (Over 5 years old) 0 - 48 Months 5.69%
Autos (Over 5 years old with loan value of $15,000+) 49 - 60 Months 5.69%
Boats 0 - 72 Months 5.69%
Motorcycles (Under $10,000) 0 - 72 Months 5.69%
$10,000 & Over
New to 5 years old
Over 5 years old
0 - 60 Months
72 Months
0 - 60 Months
2.99%
3.99%
5.69%
Lawn Mowers / Tractors / Equipment 0 - 60 Months 5.69%
Campers 0 - 84 Months 5.69%
Recreational Vehicles 0 - 84 Months 5.69%
Share Draft / Overdraft $0 - $250 / $10. 18.00%
  $251 - $500 / $20.00 18.00%
  $501 - $750 / $30.00 18.00%
  $751-$1,000 / $40.00 18.00%
Christmas Loan Advances 0 - 12 Months 9.50%
All Other Advances 0 - 48 Months 12.50%
Fully Secured by Share Certificate 2% Above Cert Rate 3.25%
Fully Secured by Shares & Daily Action 0 - 48 Months 2.49%
  49 - 60 Months 2.99%
  61 - 72 Months 3.99%

SAVINGS RATES

TERM APY DIV
Regular Shares (Dividend rate last quarter) 0.25% 0.25%
Daily Action 0.35% 0.35%
Six Month Certificate 0.30% 0.30%
Twelve Month Certificate 0.30% 0.30%
Thirty Month Certificate 0.90% 0.90%
Sixty Month Certificate 1.46% 1.45%
JUMBO 1 YEAR 0.80% 0.80%
MINI-JUMBO 0.55% 0.55%
EDUCATION IRA 6 MO CD 0.30% 0.30%
EDUCATION IRA 12 MO. 0.30% 0.30%
EDUCATION IRA JUMBO CD 12 0.80% 0.80%
EDUCATION IRA MI JUMBO 12 0.55% 0.55%
EDUCATION IRA 30 MO CD 0.90% 0.90%
EDUCATION IRA 60 MO CD 1.46% 1.45%
ROTH IRA 6 MO CD 0.30% 0.30%
ROTH IRA 12 MO CD 0.30% 0.30%
ROTH IRA JUMBO CD 0.80% 0.80%
ROTH IRA MINI JUMBO CD 12 0.55% 0.55%
ROTH IRA 30 MO CD 0.90% 0.90%
ROTH IRA 60 MO CD 1.46% 1.45%
TRADITIONAL IRA 6 MO CD 0.30% 0.30%
TRADITIONAL IRA 12 MO CD 0.30% 0.30%
TRAD. IRA JUMBO CD 12 MO 0.80% 0.80%
TRAD. IRA MINI JUMBO CD 12 MO 0.55% 0.55%
TRADITIONAL IRA CD 30 MO 0.90% 0.90%
TRADITIONAL IRA 60 MO CD 1.46% 1.45%

DISCLOSURES

Share Certificates

  • The stated APY (Annual Percentage Yield) assumes that dividends will be credited to the Certificate quarterly.
  • Dividends are paid from current income after required transfers to reserves.
  • Minimum balance is $1000
  • Substantial penalty for early withdrawal.
  • After the certificate is opened you may NOT make deposits until the maturity date.
  • All rates subject to change without notice!
  • Savings are federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Goverment Agency
  • Contact Credit Union Personnel for additional information (256) 637-6511.

Loans

  • (APR) Annual Percentage Rate may change periodically.
  • Contact Credit Union Personnel for additional information (256) 637-6511.

Regular Share Account

  • The par value of a regular share in this credit union is $25
  • The listed rates are current as of the last quarter.
  • The dividend rate has not yet been determined for this quarter.
  • Dividends are paid from current earnings after required transfers.
  • If you close your account you will not earn any accrued dividends.
  • Contact Credit Union Personnel for additional information (256) 637-6511.

 

 

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