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Deposit Rates

APRAPY*
Savings (Primary, PlayDough, iSave)

Up to $500
4.89%5.00%
$501 and over
0.05%0.05%



Money Market

$2,500 - $9,999
0.15%0.15%
$10,000 - $24,999
0.20%0.20%
$25,000 - $49,999
0.25%0.25%
$50,000 and over
0.30%0.30%



Special Savings and Holiday Club

All Balances
0.05%0.05%



Share Secured Savings

All Balances
0.05%0.05%



IRA Savings

Up to $2,499
0.05%0.05%
$2,500 - $24,999
0.10%0.10%
$25,000 - $99,999
0.20%0.20%
$100,000 and over
0.30%0.30%



Checking

Up to $24,999
0.00%0.00%
$25,000 and over
0.20%0.20%



Certificate (Share and IRA)

3 month
0.15%0.15%
6 month
0,25%0.25%
12 month
0.40%0.40%
18 month
0.50%0.50%
24 month
0.60%0.60%
36 month
0.85%0.85%
48 month
1.05%1.06%
60 month
1.30%1.31%

*APY= Annual Percentage Yield. Rates, terms and conditions subject to change. Savings and checking accounts are variable rate. APY is accurate as of 1.1.14.  Fees and other conditions may reduce earnings on the account. 5.00% APY tier is for one primary savings account per member. $5 minimum balance required for primary savings. $10 minimum balance required to open checking account. $50 minimum balance required to open IRA Savings account. $2,500 minimum balance required to open Money Market and earn advertised APY. $1,000 minimum balance required to open certificate and earn advertised APY. Early withdrawal penalties may apply. The rate contracted for all certificates will remain in effect for the entire term of the certificate.


Loan Rates

Daily Periodic Rate

APR*

New Vehicle

.0068% - .0492%

2.50% - 17.95%

Used Vehicle

.0068% - .0492%

2.50% - 17.95%

Specialty Vehicle (RV, Boat, Motorcycle)

.0164% - .0477%

6.00% - 17.40%

Line of Credit

.0267% - .0322%

9.75% - 11.75%

Personal Loan

.0274% - .0490%

10.00% - 17.90%

Share Secured Personal Loan

0.0068%

2.50%


*Loan rates determined by individual creditworthiness, qualifications and collateral conditions. Rates, terms and conditions subject to change. Rates current as of 1.1.14.


Credit Card Interest Rates and Interest Charges
Annual Percentage Rate for
Purchases(APR)
8.95% - 17.95%, based on your creditworthiness
APR for Balance Transfers
5.95% - 14.95% Introductory Rate
For balances transferred within 90 days of account opening
8.95% - 17.95%
For balances transferred after 90 days of account opening
APR for Cash Advances8.95% - 17.95%, based on your creditworthiness
Penalty APR and When it
Applies
Not Applicable
Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire blance by the due date of each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest ChargeNone
Credit Card Fees
Annual FeeNone
Transaction Fees:
  • Balance Transfer Fee
  • Cash Advance Fee
  • Foreign Transaction Fee
None
None
1% of each transaction in US dollars
Penalty Fees:
  • Late Payment
  • Returned Payment
Up to $25.00
Up to $30.00
How We Will Calculate Your Balance: We use a method called "average daily balance (including current transactions)." See your account agreement for more details.

Credit Card rate determined by your individual creditworthiness and qualifications. Rates, terms and conditions subject to change. Rates current as of 1.1.14.