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Risk-Based | Loans | Savings | Certificates
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Effective as of September 2, 2008. All rates are subject to change.
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| All rates are subject to change. |
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Loans
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Rate
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APR*
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Term
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New Recreational Vehicles - 48 Mos. Term
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7.25
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7.25
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48
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Calculator
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New Recreational Vehicles - 49 to 96 Mos. Term
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8.50
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8.50
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96
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Calculator
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Used Recreational Vehicles - 48 Mos. Term
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8.50
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8.50
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48
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Calculator
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Used Recreational Vehicles - 49 to 96 Mos. Term
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9.50
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9.50
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96
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Calculator
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Home Equity - Variable Rate. Changes Jan. 15 & July 15.
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7.00
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7.00
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180
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Calculator
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2nd Mortgage FIXED RATE -- 48 Mos.
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7.50
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7.50
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48
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Calculator
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2nd Mortgage FIXED RATE -- 49 to 108 Mos.
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7.85
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7.85
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108
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Calculator
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2nd Mortgage FIXED RATE -- 109 to 180 Mos.
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8.75
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8.75
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180
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Calculator
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Home Improvement Loans - 36 Mos. Term
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7.50
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7.50
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36
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Calculator
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Home Improvement Loans - 37 to 84 Mos. Term
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8.50
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8.50
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84
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Calculator
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Home Improvement Loans - 85 to 180 Mos. Term
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9.75
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9.75
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180
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Calculator
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*APR = Annual Percentage Rate.
Maximum Terms allowable are shown. Please ask for further information on available terms for the loan type you are interested in. Property must be owner-occupied & located within a 100-mile radius of the Credit Union. If appraisal is necessary & is insufficient to meet loan request amount, the appraisal fee will be charged to the applicant. Property insurance is required. Consult your tax advisor for deductibility of interest. Subject to credit approval. Some limitations apply. The HELOC APR may vary after consummation & adjusts every January 15 and July 15 to 1 1/2% above the Wall Street Journal Prime; maximum 20 year amortization with 15 year draw; maximum APR is 18%; minimum APR is 7%. Minimum qualifying HELOC is $5,000; maximum HELOC is $50,000. Fixed rate sample monthly payment on $20,000 2nd Mortgage Loan at 7.9% APR with 30 days before first payment for 120 months is $241.70 without Payment Protection.
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| All rates/yields are subject to change. |
| Savings |
Rate
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APY*
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Term
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Minimum Balance
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Compound/Credit Frequency
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| Share Savings (1)(2)(3) |
0.75
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0.75
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n/a
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$0 - $2,000.99
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Quarterly
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1.10
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1.10
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n/a
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$2,001.00-$25,000.99
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1.45
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1.46
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n/a
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$25,001.00 and Above
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| Share Draft Checking(1)(2)(3) |
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0.000
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n/a
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$0-$299.99
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Monthly
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0.300
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0.300
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n/a
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$300 and Above
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| Holiday Club Account(1)(2) |
2.0
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2.0
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n/a
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$0 and Above
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Annually
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| Vacation Club Account (1)(2) |
2.0
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2.0
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n/a
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$0 and Above
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Annually
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| Share Draft Money Market (1)(3) |
1.00
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1.00
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n/a
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$2,500.00-$4,999.99
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Monthly
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1.20
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1.21
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n/a
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$5,000.00-$9,999.99
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1.75
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1.76
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n/a
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$10,000.00-$24,999.99
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1.90
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1.92
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n/a
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$25,000.00-$49,999.99
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2.00
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2.02
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n/a
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$50,000.00 and Above
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| Share IRA Money Market (1)(3) |
1.00
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1.00
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n/a
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$1.00-$9,999.99
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Monthly
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1.25
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1.26
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n/a
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$10,000.00 and Above
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Dividends are based on the Credit Union's earnings at the end of a dividend period and cannot be guaranteed. *APY=Annual Percentage Yield. (1)Variable Rate account: the rate may change after opening. (2)For the purposes of this disclosure, this is a rate and APY as of the last dividend date. These Dividend Rate(s) and APY(s) may change every dividend period as determined by our Board of Directors. (3)Variable Rate Account will ear the rate/yield based on the dollar amount in each tier. Ask us for further information about the fees and other terms that apply to these accounts.
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| Effective August 26, 2008 to September 8, 2008. All rates/yields are subject to change. |
| Certificates |
Rate
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APY*
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Term
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Minimum Balance
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Compound/Credit Frequency
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Term Share 7 Month Option (4)(5)(7)
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2.65
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2.68
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7
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$10,000-$24,999.99
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Monthly
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12 Month (4)(5)(7)
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2.35
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2.37
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12
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$1,000-$4,999.99
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Quarterly
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2.68
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2.71
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12
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$5,000-$9,999.99
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Quarterly
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2.73
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2.76
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12
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$10,000-$24,999.99
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Quarterly
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2.98
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3.01
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12
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$25,000 and above
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Quarterly
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24 Month (4)(5)(7)
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2.48
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2.50
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24
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$1,000-$4,999.99
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Quarterly
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2.78
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2.81
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24
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$5,000-$9,999.99
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Quarterly
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2.83
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2.86
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24
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$10,000-$24,999.99
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Quarterly
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3.08
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3.12
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24
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$25,000 and above
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Quarterly
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IRA Term Share 18 Months(4)(5)(7)
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2.35
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2.35
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18
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$500-$4,999.99
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Annually
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Dividends are based on the Credit Union's earnings at the end of a dividend period and cannot be guarantee. *APY=Annual Percentage Yield. (4)For the purpose of this disclosure, this is a rate and APY that were offered within the most recent seven calendar days. The Dividend Rate(s) and APY(s) are current as of the effective date. For more current rates, please call (402)292-8000. (5)Fixed Rate Account will earn the rate/yield based on the full average daily balance. (6)At any time during the term of the account, if the current dividend rate offered on the same term certificate is higher than the original dividend rate received at the opening date, an option of changing the dividend rate on the account to the higher rate for the remaining term of the account may be requested. You may change the dividend rate once during the term. (7)A penalty may be imposed for withdrawals before maturity. Ask for further information about fees, specific penalties, and other terms that apply to these accounts.
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