Credit Union Interest Rates
For a complete list of current rates and fees, click here. For complete account disclosures, click here.
Effective as of January 1, 2011. Certificate rates effective May 15, 2013 to May 21, 2013. All rates/yields are subject to change.
Checking Dividend Rates
| |
Rate |
APY* |
Minimum Balance |
Compound Frequency |
| Prestige Checking(1,2,3) |
| |
0.00 |
0.00 |
$0-$299.99 |
Monthly |
| |
0.10 |
0.10 |
$300.00 and above |
|
| High Yield Checking(4) |
| |
2.97 |
3.01 |
No Minimum Balance |
Monthly |
| Saver's Advantage Checking(5) |
| |
4.90 |
5.01 |
No Minimum Balance |
Monthly |
Dividends are based on the Credit Union's earnings at the end of a dividend period and cannot be guaranteed. *APY=Annual Percentage Yield. Calculated by the average daily balance method which applies a daily periodic rate to the average daily blaance for the average daily balance calculation period. The average daily blance for the average daily balance calculation period. The average daily balance is determined by adding the full amount of the principal in Your Account for each day of the period and dividing that figure by the number of days in the period. (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 earn the rate/yield based on the dollar amount in each tier. Ask us for further information about the fees and terms that apply to these accounts. (4) Annual Percentage Yield (APY) accurate as of 11/14/2012. A Minimum of $100 to open account. Rate tiers are as follows: 3.01% APY applies to balances of $.01-$15,000 and 0.15% APY applies to balances over $15,000 as long as qualifications are met each statement cycle. 0.10% APY applies to all balances if qualifications are not met. You must make 12 or more point of sale transactions for a net total of $120 throughout the qualification period (evidenced by Your statement). Accounts opened on or after 04/01/12 must have a monthly recurring direct deposit. No minimum balance required. No monthly service charge. Available to personal accounts only. One High Yield Checking Account per Social Security Number. ATM fee refunds up to $10 per month when qualifications are met. Ask us for further information about the fees and terms that apply to these accounts. (5) Annual Percentage Yield (APY) accurate as of 11/15/12. A Minimum of $100 to open account. Rate tiers are as follows; 5.01% APY applies to balances of $.01 to $1,000 and 0.15% APY applies to balances over $1,000 as long as qualifications are met each statement cycle. 0.10% APY applies to all balances if qualifications are not met. You must make 12 or more point of sale transactions for a net total of $120 throughout the qualification period (evidenced by Your statement). A monthly recurring direct deposit is required. No minimum balance required. No monthly service charge. Available to personal accounts only. One Saver's Advantage Checking Account per Social Security Number. ATM fee refunds up to $10 per month when qualifications are met. Ask us for further information about the fees and terms that apply to these accounts.
Savings Rates
| |
Rate |
APY* |
Minimum Balance |
Compound Frequency |
| Share Savings (1,2,3) |
| |
0.15 |
0.15 |
$0-$2000.99 |
Quarterly |
| |
0.15 |
0.15 |
$2001-$25,000.99 |
|
| |
0.15 |
0.15 |
$25,001 and above |
|
| Holiday Club(1,2) |
| |
1.0 |
1.0 |
$0 and above |
Annually |
| Vacation Club(1,2) |
| |
0.75 |
0.75 |
$0 and above |
Annually |
| Certificates(4,5,6) |
| 6 Month Term |
0.15 |
0.15 |
$1000-$4,999.99 |
Quarterly |
| |
0.25 |
0.25 |
$5000-$9,999 |
|
| |
0.45 |
0.45 |
$10,000-$24,999 |
|
| |
0.55 |
0.55 |
$25,000 and above |
|
| 12 Month Term |
0.22 |
0.22 |
$1000-$4,999.99 |
Quarterly |
| |
0.55 |
0.55 |
$5000-$9,999 |
|
| |
0.60 |
0.60 |
$10,000-$24,999 |
|
| |
0.85 |
0.85 |
$25,000 and above |
|
| 18 Month Term |
0.30 |
0.30 |
$1000-$4,999.99 |
Quarterly |
| |
0.60 |
0.60 |
$5000-$9,999 |
|
| |
0.70 |
0.70 |
$10,000-$24,999 |
|
| |
0.80 |
0.80 |
$25,000 and above |
|
| 24 Month Term |
0.40 |
0.40 |
$1000-$4,999.99 |
Quarterly |
| |
0.70 |
0.70 |
$5000-$9,999.99 |
|
| |
0.80 |
0.80 |
$10,000-$24,999.99 |
|
| |
0.90 |
0.90 |
$25,000 and above |
|
| 60 Month Term |
1.59 |
1.60 |
$500-$4,999.99 |
Quarterly |
| |
1.59 |
1.60 |
$5000-$9,999 |
|
| |
1.59 |
1.60 |
$10,000-$24,999 |
|
| |
1.59 |
1.60 |
$25,000 and above |
|
| Share Draft Money Market (1,3) |
| |
0.15 |
0.15 |
$2500-$4999.99 |
Monthly |
| |
0.20 |
0.20 |
$5000-$9999.99 |
|
| |
0.25 |
0.25 |
$10,000-$24,999.99 |
|
| |
0.30 |
0.30 |
$25,000-$49,999.99 |
|
| |
0.40 |
0.40 |
$50,000 and above |
|
Certificate rates effective May 15, 2013 to May 21, 2013. All rates/yields are subject to change. Dividends are based on the Credit Union's earnings at the end of a dividend period and cannot be guaranteed. *APY=Annual Percentage Yield. Calculated by the average daily balance method which applies a daily periodic rate to the average daily blaance for the average daily balance calculation period. The average daily blance for the average daily balance calculation period. The average daily balance is determined by adding the full amount of the principal in Your Account for each day of the period and dividing that figure by the number of days in the period. (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 earn the rate/yield based on the dollar amount in each tier. (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) 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.
IRA Rates
| |
Rate |
APY* |
Minimum Balance |
Compound Frequency |
| IRA Term Share Certificates(1,2) |
| 18 Month Term |
0.30 |
0.30 |
$500-$4,999.99 |
Annually |
| |
0.60 |
0.60 |
$5,000-$9,999.99 |
|
| |
0.70 |
0.70 |
$10,000-$24,999.99 |
|
| |
0.80 |
0.80 |
$25,000 and above |
|
| Share IRA Money Market(3,4,5) |
| |
.50 |
.50 |
$1.00-$9,999.99 |
Monthly |
| |
0.75 |
0.75 |
$10,000.00 and above |
|
IRA Term Share Certificate rates effective May 15, 2013 to May 21, 2013. All rates/yields are subject to change. Dividends are based on the Credit Union's earnings at the end of a dividend period and cannot be guaranteed. *APY=Annual Percentage Yield. Calculated by the average daily balance method which applies a daily periodic rate to the average daily blaance for the average daily balance calculation period. The average daily blance for the average daily balance calculation period. The average daily balance is determined by adding the full amount of the principal in Your Account for each day of the period and dividing that figure by the number of days in the period. (1) Variable Rate account: the rate may change after opening. (2) Variable Rate Account will earn the rate/yield based on the dollar amount in each tier. (3) 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. (4) Fixed Rate Account will earn the rate/yield based on the full average daily balance. (5) 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.
Vehicle Loans
Auto Rates
| |
Term |
A APR** |
B+ APR** |
B APR** |
C APR** |
D APR** |
E APR** |
| 2013 - 2012 Vehicles |
Up to 84 Months |
2.99-4.74% |
4.74-6.49% |
5.24-6.99% |
8.99-10.74% |
13.99-15.74% |
17.99% |
| Used Vehicles |
Up to 78 Months Based on Age and Rate Tier |
2.99-7.49% |
4.74-9.24% |
5.24-9.74% |
8.99-13.49% |
13.99-17.99% |
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 72 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 48 Months |
5.90% |
7.90% |
9.90% |
12.90% |
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 |
4.75 |
180 |
| Home Equity Loans - Fixed Rate - 81-95% Loan to Value |
| 48 Month term |
5.50 |
48 |
| 49 to 108 Month term |
5.85 |
108 |
| 109 to 180 Month term |
6.75 |
180 |
| Home Equity Loans - Fixed Rate - 80% or Lower Loan to Value |
|---|
| 48 Month term |
4.50 |
48 |
| 49 to 108 Month term |
4.85 |
108 |
| 109 to 180 Month term |
5.75 |
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. 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 $100,000. 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.
