Credit Union Interest Rates

Debt Management Guide

For a complete list of current rates and fees, click here. For complete account disclosures, click here.

Effective as of May 25, 2016. All rates/yields are subject to change.

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Checking Dividend Rates

  Variable Rate APY* Minimum Balance for APY* Dividend Period/ Compounding
and Crediting Frequency
Prestige Checking(2,3)
  0.00 0.00 $0-$299.99 Monthly
  0.05 0.05 $300.00 and above  
High Yield Checking(2,3,4,5,6)
  2.97 3.01 No Minimum Balance Monthly
Saver's Advantage Checking(2,3,4,5,6)
  4.90 5.01 No Minimum Balance Monthly

Savings Rates

  Variable Rate APY* Minimum Balance for APY* Dividend Period/ Compounding
and Crediting Frequency
Share Savings (2,3)
  0.10 0.10 $0-$2000.99 Quarterly
  0.10 0.10 $2001-$25,000.99  
  0.10 0.10 $25,001 and above  
Share Draft Money Market (2,3)
  0.00 0.00 $0.01-$2499.99 Monthly
  0.10 0.10 $2500-$4999.99  
  0.10 0.10 $5000-$9999.99  
  0.15 0.15 $10,000-$24,999.99  
  0.20 0.20 $25,000-$49,999.99  
  0.30 0.30 $50,000 and above  

Certificate Rates

  Fixed Rate APY* Minimum Balance for APY* Dividend Period/ Compounding
and Crediting Frequency
Certificates(1,4)
6 Month Term 0.35 0.35 $1000-$4,999.99 Quarterly
  0.40 0.40 $5000-$9,999  
  0.45 0.45 $10,000-$24,999  
  0.50 0.50 $25,000 and above  
12 Month Term 0.60 0.60 $1000-$4,999.99 Quarterly
  0.70 0.70 $5000-$9,999  
  0.80 0.80 $10,000-$24,999  
  0.90 0.90 $25,000 and above  
18 Month Term 0.60 0.60 $1000-$4,999.99 Quarterly
  0.70 0.70 $5000-$9,999  
  0.80 0.80 $10,000-$24,999  
  0.90 0.90 $25,000 and above  
24 Month Term 0.80 0.80 $1000-$4,999.99 Quarterly
  0.90 0.90 $5000-$9,999.99  
  1.00 1.00 $10,000-$24,999.99  
  1.10 1.10 $25,000 and above  
36 Month Term 1.00 1.00 $500-$4,999.99 Quarterly
  1.10 1.10 $5000-$9,999.99  
  1.19 1.20 $10,000-$24,999.99  
  1.29 1.30 $25,000 and above  
60 Month Term 1.79 1.80 $500-$4,999.99 Quarterly
  1.89 1.90 $5000-$9,999  
  1.99 2.00 $10,000-$24,999  
  2.08 2.10 $25,000 and above  
Bump-Up Share(1,4)
36 Month Term 1.10 1.10 $1,000.00 - $4,999.99 Quarterly
  1.20 1.21 $5,000.00 - $9,999.99  
  1.29 1.30 $10,000.00 - $24,999.99  
  1.39 1.40 $25,000.00 and above  
Holiday Club(1,4)
  0.75 0.75 $0 and above Annually
Vacation Club(1,4)
  0.50 0.50 $0 and above Annually

IRA Rates

  Fixed Rate APY* Minimum Balance for APY* Dividend Period/ Compounding
and Crediting Frequency
IRA Term Share Certificates(1,4)
18 Month Term 0.65 0.65 $500-$4,999.99 Annually
  0.75 0.75 $5,000-$9,999.99  
  0.85 0.85 $10,000-$24,999.99  
  0.95 0.95 $25,000 and above  
36 Month Term 1.00 1.10 $500-$4,999.99 Annually
  1.10 1.20 $5,000-$9,999.99  
  1.20 1.30 $10,000-$24,999.99  
  1.30 1.40 $25,000 and above  
60 Month Term 1.80 1.80 $500-$4,999.99 Annually
  1.90 1.90 $5,000-$9,999.99  
  2.00 2.00 $10,000-$24,999.99  
  2.10 2.10 $25,000 and above  
Share IRA Money Market(1,4)
  0.25 0.25 $1.00-$9,999.99 Monthly
  0.50 0.50 $10,000.00 and above  

Vehicle Loans

Auto Rates

  Term A APR** B+ APR** B APR** C APR** D APR** E APR**
2016 & 2015 Vehicles Up to 84 Months 3.49-4.74% 5.99-7.24% 6.49-8.24% 10.74-12.49% 15.74-17.49% 17.99%
Used Vehicles Up to 78 Months Based on Age and Rate Tier 3.74-7.99% 5.74-9.99% 6.74-10.99% 10.99-15.24% 15.99-17.99% 17.99%

Recreational Vehicle Rates

  Rate APR** Term
NEW
48 Month Term 7.25 7.25 48
49 to 96 Month Term 8.50 8.50 96
USED
48 Month Term 8.50 8.50 48
49 to 96 Month Term 9.50 9.50 96

Motorcycle Rates

  Term A B C D E
New & 1 Year Old Motorcycles Up to 84 Months 3.99-9.10% 5.99-11.10% 8.99-13.60% 14.99-16.60% 17.99%
Used Motorcycles Up to 60 Months Based on Age 4.99-7.99% 6.99-8.99% 9.99-11.99% 15.99-16.99% 17.99%

Boat Rates

  Term A APR** B APR** C APR** D APR** E APR**
New & 1 Year Old Boats Up to 84 Months Based on Age and Rate Tier 3.99-9.10% 5.99-11.10% 8.99-13.60% 14.99-16.60% 17.99%
Used Boats Up to 60 Months Based on Age 4.99-7.99% 6.99-8.99% 9.99-11.99% 15.99-16.99% 17.99%

Personal Loans

Term A+ APR** A APR** B APR** C APR** D APR** E APR**
Up to 60 Months 5.99% 7.99% 9.99% 12.99% 15.99% 17.99%

** APR = Annual Percentage Rate. Vehicle Loan Rates are determined by individual credit profile, terms, and age of vehicle. Personal Loan Rates are determined by individual credit profile.

Home Loans

  APR*** Term
Home Equity Line of Credit - Variable Rate
Rates change Jan 15 & July 15 5.00 180
Home Equity Loans - Fixed Rate - 81-90% Loan to Value
48 Month term 4.99 48
49 to 108 Month term 5.49 108
109 to 180 Month term 5.99 180
Home Equity Loans - Fixed Rate - 80% or Lower Loan to Value
48 Month term 3.99 48
49 to 108 Month term 4.49 108
109 to 180 Month term 5.25 180

***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's Main Branch. Appraisal will be required. 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 $100,000.