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Deposit Account & Loan Rates Effective January 26, 2010

The rates and terms applicable to your accounts at the Credit Union are provided in this Dividend/Rate Schedule. The Credit Union may offer other rates for these accounts from time to time. Rates are subject to change daily without notice.

VISA® Credit Cards (APR)
Platinum Card 7.99%
Classic Card 7.99% - 17.90%
Rates quoted are fixed rates.
$15 annual fee (waived for Preferred & Platinum Choice members)
Share & CD Secured Loan Rates
Interest rate is 2% above the current rate being paid on the secured account for the first year. For each additional year requested, the rate will increase by .25%.
Example: A share loan for $5,000.00 taken out for 3 years, that is currently making 1.00% would be charged 3.00% plus .50 for a total of 3.50%.
Share Certificates, IRA Certificates & Step-Up Certificate Rates Minimum Opening Balance $500.00
Term * APR ** APY
3 Months .90% .90%
6 Months 1.00% 1.04%
9 Months 1.15% 1.16%
12 Months 1.25% 1.26%
18 Months 1.45% 1.46%
24 Months 1.75% 1.76%
36 Months 2.15% 2.17%
48 Months 2.30% 2.32%
60 Months 2.50% 2.52%
Dividends Compounded & Paid Quarterly. Additional Deposits allowed on Step-Up Certificates only. Penalty for Early Withdrawal. Renewable by Request.
New & Used Auto Loan Rates (APR)
Grade 24 Months 36 Months 48 Months 60 Months 72 Months 84 Months
A+ 740+ 4.90% 5.15% 5.40% 5.65% 6.15% 6.65%
A 720-739 5.49% 5.74% 5.99% 6.24% 6.74% 7.24%
B+ 700-719 6.19% 6.44% 6.69% 6.94% 7.44% 7.94%
B 680-699 6.89% 7.09% 7.34% 7.59% 8.09% 8.59%
C+ 660-679 9.74% 9.99% 10.24% 10.49% 10.99% 11.49%
C 640-659 11.00% 11.25% 11.50% 11.75% 12.25% 12.75%
D 600-639 16.50% 17.00% 17.50% 18.00% N/A% N/A%
E 550-599 19.00% 20.00% 21.00% N/A N/A N/A
High LTV may require a blended rate. 1/2 approved interest rate if member purchases one of our repossessions.
Recreational Vehicle Loan Rates (APR)
Grade 48 Months 60 Months 72 Months 84 Months 120 Months
A+ 740+ 8.74% 9.74% 10.74% 11.74% 12.74%
A 720-739 8.99% 9.99% 10.99% 11.99% 12.99%
B+ 700-719 9.24% 10.24% 11.24% 12.24% 13.24%
B 680-699 10.24% 11.24% 12.24% 13.24% 14.24%
C+ 660-679 13.24% 14.24% 15.24% 16.24% N/A
C 640-659 16.24% 17.24% 18.24% N/A N/A
D 600-639 19.24% 20.24% N/A N/A N/A
Eligible Vehicles: Motorcycles - Harley's only, Motor Homes, 5th Wheels
Signature Loan Rates (APR)
Grade 24 Months 36 Months 48 Months 60 Months 72 Months VISA
A+ 740+ 11.20% 12.70% 12.95% N/A N/A 9.90%
A 720-739 12.20% 12.70% 12.95% N/A N/A 12.90%
B+ 700-719 13.20% 13.70% 13.95% N/A N/A 10.90%
B 680-699 15.20% 15.70% 15.95% N/A N/A 14.90%
C+ 660-679 18.20% 18.70% 18.95% N/A N/A 14.90%
C 640-659 19.70% 20.20% 20.45% N/A N/A 14.90%
D 600-639 21.00% N/A N/A N/A N/A 21.00%
Home Equity Loan Rates (APR)
Grade 80%LTV
60 Months		 80%LTV
120 Months		 80%LTV
180 Months		 Variable-Any Term
Prime = 7.25%
A+ 740+ 7.24% 7.99% 8.74% Not offered at this time.
A 720-739 7.74% 8.49% 9.24% Not offered at this time.
B+ 700-719 8.00% 8.75% 9.50% Not offered at this time.
B 680-699 8.50% 9.25% 10.00% Not offered at this time.
C+ 660-679 10.00% 10.50% 11.00% Not offered at this time.
C 640-659 12.00% 12.50% 13.00% Not offered at this time.
D 600-639 16.24% 16.75% 17.25% Not offered at this time.