- Consumer Loans
- VISA Credit
- Real Estate
- Signature Loans
- PERSONAL Line of Credit
- Investment Options
- IRA
| Share/Certificate Loans and Credit Cards | |||
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Interest rates for the loan types published in this section are the same for all qualifying borrowers.
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Share/Certificate Secured
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3% above last dividend paid, rounded up
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120 months or maturity date of the certificate
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100% of shares pledged.
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Representative Example for Share Secured Loans: 120 monthly payments of $10.14 per $1,000 borrowed at 4.00% APR. Representative Example for Certificate Secured Loans: 24 monthly payments of $45.26 per $1,000 borrowed at 8.00% APR (Members Choice 24-Month Certificate- $1,000 - $9,999).
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Visa Credit Card
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PLATINUM VISA
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Maximum Terms
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as low as 8.99
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Revolving
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Up to $50,000. 25-day grace period on purchases. Rate is determined by Average Daily Balance at close of billing cycle. Rates shown are fixed and apply to entire VISA balance.
NO ANNUAL FEE! |
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VISA - Share Secured
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14.40% Fixed
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Revolving
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$500 minimum limit. No maximum. $25 annual fee. Must have shares equal to credit limit plus 10%.
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| Over Credit Limit Fee | $25 per occurence | ||
| Late Fee: | $25 per occurrence | ||
| VISA Payment Item Returned NSF | $25 per item | ||
| Home Equity Loans and Lines of Credit | |||||
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Home Value Line (HELOC) - Variable Rate*
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4.00%
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Revolving
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0 points
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Up to 80% of unencumbered appraisal, up to $1,000,000 maximum. $300 processing fee.
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*Variable rates may change as specified in your contract.
**Additional terms and financing restrictions apply to 10 model year or older on used vehicles.
MSRP is the Manufacturer's Suggested Retail Price. KLBB is the wholesale value as published in the current Kelley Blue Book guide. All loans are subject to credit approval and verification of income. Interest rates are subject to change without notice, except as required by law.
Rates as of . All loans subject to Credit Union policies and procedures. Additional terms and conditions may apply.
| Investment Options | |||||||
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Rates and terms effective as of publication and subject to change without notice by the Board of Directors. Supersedes all previously published rates and terms.
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Program
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Rate
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Term
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Minimum Balance to Open Account
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Minimum Balance to Earn Stated APY
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Compounding
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| APY | |||||||
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Regular Share Account
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0.25%
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Not Applicable
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$5.00 for membership.
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Dividends paid on average daily balance of $50.00 or more. |
Monthly
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Share Draft Checking
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0.25%
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Not Applicable
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None.
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Dividends paid on average daily balance of $2,000 or more. |
Monthly
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Passport Money Market Account
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1.50%
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Not Applicable
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$100 to $9,999 | $100 minimum to open |
$100 minimum to open. Dividends paid on average daily balance of $100 or more.
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Monthly
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2.50%
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Not Applicable
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$10,000 to $24,999 | $10,000 minimum to open |
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3.00%
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Not Applicable
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$25,000 to $99,999 | $25,000 minimum to open |
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3.23%
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Not Applicable
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$100,000+ | $100,000 minimum to open |
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Members Choice Certificates* - $1,000 to $9,999
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1.85%
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3 months
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$1,000 minimum balance.
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Monthly
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1.92%
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6 months
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1.99%
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12months
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2.13%
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24 months
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2.44%
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36 months
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3.08%
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60 months
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Members Choice Certificates* - $10,000 to $24,999
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1.95%
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3 months
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$10,000 minimum balance.
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Monthly
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2.02%
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6 months
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2.09%
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12months
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2.23%
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24 months
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2.54%
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36 months
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3.19%
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60 months
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Members Choice Certificates* - $25,000 to $49,999
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2.05%
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3 months
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$25,000 minimum balance.
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Monthly
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2.12%
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6 months
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2.19%
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12months
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2.33%
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24 months
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2.64%
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36 months
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3.29%
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60 months
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Members Choice Certificates* - $50,000 to $74,999
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2.15%
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3 months
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$50,000 minimum balance.
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Monthly
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2.22%
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6 months
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2.29%
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12months
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2.44%
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24 months
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2.74%
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36 months
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3.39%
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60 months
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Members Choice Certificates* - $75,000 to $99,999
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2.25%
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3 months
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$75,000 minimum balance.
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Monthly
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2.32%
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6 months
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2.40%
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12months
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2.54%
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24 months
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2.85%
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36 months
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3.49%
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60 months
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Members Choice Certificates* - $100,000 and over
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2.36%
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3 months
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$100,000 minimum balance.
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Monthly
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2.43%
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6 months
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2.50%
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12months
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2.64%
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24 months
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2.95%
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36 months
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3.60%
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60 months
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IRA Account* - $40 to $9,999
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3 months
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$40 minimum balance.
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Quarterly
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1.91%
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6 months
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1.98%
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12months
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2.13%
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24 months
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2.43%
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36 months
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3.07%
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60 months
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IRA Account* - $10,000 to $24,999
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1.94%
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3 months
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$10,000 minimum balance.
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Quarterly
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2.02%
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6 months
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2.09%
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12months
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2.23%
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24 months
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2.53%
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36 months
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3.18%
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60 months
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IRA Account* - $25,000 to $49,999
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2.05%
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3 months
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$25,000 minimum balance.
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Quarterly
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2.12%
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6 months
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2.19%
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12months
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2.33%
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24 months
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2.64%
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36 months
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3.28%
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60 months
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IRA Account* - $50,000 to $74,999
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2.15%
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3 months
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$50,000 minimum balance.
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Quarterly
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2.22%
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6 months
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2.29%
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12months
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2.43%
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24 months
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2.74%
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36 months
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3.38%
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60 months
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IRA Account* - $75,000 to $99,999
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2.25%
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3 months
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$75,000 minimum balance.
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Quarterly
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2.32%
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6 months
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2.39%
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12months
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2.53%
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24 months
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2.84%
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36 months
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3.48%
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60 months
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IRA Account* - $100,000 and over
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2.35%
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3 months
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$100,000 minimum balance.
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Quarterly
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2.42%
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6 months
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2.49%
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12months
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2.64%
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24 months
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2.94%
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36 months
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3.59%
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60 months
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For information on these or other investment options, please contact your local branch.
* For certificate accounts, a penalty will be imposed for early withdrawal.
**Variable rate account. Your dividend rate and annual percentage yield may change.
Annual percentage yield (APY) assumes dividends are paid into the account and compounded. Rates and terms are effective November and are subject to change without notice by the Board of Directors. Fees could reduce earnings on your account. Your funds are federally insured to $100,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.
