Rates

APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

Rate DescriptionTermPayment DescriptionAPRAPR Type
Holiday Loansup to $2,500 for 24 monthsapprox $111 for 24 months4.90%Fixed
EMS Loan $20 application fee + interest1 time pmt within 45 daysTo be Paid in Full15.00%Fixed
Home Equity Loanup to 15 years$7.28 per $1,000 with A Credit3.75%Fixed
Vehicles New and Usedup to 60 monthsapprox $18.42 per $1,0002.90% with A CreditFixed
Vehicles New and Usedup to 60 monthsapprox $18.65 per $1,0003.25% with B CreditFixed
Vehicles New and Usedup to 60 monthsapprox $19.46 per $1,0006.25% with C CreditFixed
Vehicles New and Usedup to 60 monthsapprox $20.05 per $1,0007.50% with D CreditFixed
Vehicles New and Usedup to 60 monthsapprox $21.01 per $1,0009.50% with E CreditFixed
Spring Break Loan$2,000 up to 12 months$172 -$173 per month3.750%Fixed
Vacation Loansup to 2,400 for 24 months111.00 per month for 24 months6.00% with A CreditFixed
Line of Credit Loansup to 60 monthsapprox $20.52 per $10008.50% with A CreditFixed
Line of Credit Loansup to 60 monthsapprox $21.02 per $10009.50% with B CreditFixed
Line of Credit Loansup to 60 monthsapprox $23 per $1,00013.00% with C CreditFixed
Fall Fest Loan$1,500 for 12 months130. per month for 12 months5.0%Fixed
Rates as of 3-31-15.
Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.


Certificates

Rate DescriptionTermsDividend RatesAPY
$10,000 Minimum Balance36 months1.60%1.61%
$5,000 minimum balance24 months1.35%1.36%
$5,000 minimum balance18 months1.10%1.11%
$1,000 minimum balance12 months0.85%0.85%
Rates as of 3-31-15.
NOTE: Early withdrawal from certificates will be subject to a penalty of ½ of dividends earned.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.


Savings/Shares Rates

Rate DescriptionTermsDividend RatesAPY
Regular shares/special savings$100-$5,000 Quarterly0.10%0.10%
Regular shares/special savings$5,001-$10,000 Quarterly0.25%0.25%
Regular shares/special savings$10,001-and up Quarterly0.40%0.41%
Rates as of3-31-2015-.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.