Our calculators will let you estimate your loan payments.

Note: The calculator is intended to provide approximate information about your loan payments and does not constitute an offer to extend credit. Your actual payment information may vary.

Savings and checking rates

Loan rates

Payment calculators

SAVINGS AND CHECKING RATES

Dividend Rates and
Annual Percentage Yields — APY
(Rates subject to change without notice.)
Dividend
Regular Shares – Effective 3/01/05
Rate
APY
(Minimum balance to earn dividend - $25.00)
Share Savings (Rates may change after account is opened.)
.75%
.75%
Holiday Club
.75%
.75%
Goalsetter Club Account
.75%
.75%
IRA Share Savings
.75%
.75%
Share Draft Checking
.50%
.50%
Certificates – Effective 5/23/08
(Minimum deposit $500.00)
Substantial penalty for early withdrawal could reduce earnings on the account.
Share Certificate and IRA Certificate
3-month
1.98%
2.00%
6-month
2.23%
2.25%
1-year
2.47%
2.50%
2-year
2.72%
2.75%
3-year
2.57%
2.60%
4-year
2.57%
2.60%
Substantial penalty for early withdrawal.
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LOAN RATE CHART
 Loan Rates Effective
5-23-08		 (Rates subject to change without notice.)
LOAN TYPE APR* DETAILS
New and Used Cars and Trucks** up to 24 months 6.25%

25 – 36 months 6.25%

37 – 48 months 6.25%

49 – 60 months 6.25%

61 – 72 months 6.25%

 New and previously untitled vehicles, financing of Dealer Purchase Order

Used vehicles financing of NADA Retail Book Value, plus taxes
New and Used Recreational Vehicles (Boats, Motorcycles, RV’s)**
 up to 24 months 6.25%

25 – 36 months 6.25%

37 – 48 months 6.50%

49 – 60 months 7.00%

61 – 72 months 7.00%

73 – 84 months 7.50%

85 – 96 months 7.50%

97 – 108 months 8.00%

109 – 120 months 8.00%

 New and previously untitled RVs, financing of Dealer Purchase Order.

Used RVs financing of NADA Retail Book Value, plus taxes
Share Secured The rate is 2% above Annual Percentage Yield Loan amount limited to 90% of shares securing loan
Home Equity Line of Credit** Rates Adjust Annually Call Credit Union for details
Home Equity Loan

up to 60 months 7.00%

61 to 120 months 7.50%

121 to 180 months 8.00%

Call Credit Union for details
Collateral Mortgage**

up to 60 months 7.25%

61 – 120 months 7.75%

 Loan maximum $25,000

Loan minimum $5,000

Member pays closing costs
Unsecured Personal Loan up to 60 months 8.50%

61 – 96 months 9.75%

Maximum loan $15,000
Visa® Credit Card 12.50% Fixed Maximum line $15,000

No fees
Overdraft Line of Credit 15.00% Fixed Maximum line $1,000
Student Loans Fixed Rate Call Credit Union for details
Stafford Student Loans Granted Prior to 7/1/06 6.62% for borrowers in school or in the six month deferment period after school 7.22% if the loan is in the repayment period
Stafford Student Loans Granted
7/1/08 and after		 The fixed rate is 6.00% for borrowers in school or in the six month deferment period after school Loans granted on or after 7/1/08
Parent Loans 8.50% Fixed Loans granted on or after 7/1/06
Parent Loans 8.02% Variable Loans granted prior to 7/1/06
Student Consolidation Loans Weighted average of all loans rounded up to the next 1/8 of 1% N/A
* At 6.25% with a 48-month term, you would make 48 monthly payments of $23.60 per $1,000 of the loan. Please use calculators provided for specific monthly payments estimates.

** The credit union will take a security interest in the property purchased or pledged as collateral.

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