Rates

APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

Rates as of 10/18/2014.
Rate Description Term Payment Description APR APR Type
NEW VEHICLES 0% DOWN 24 MONTHS AS LOW AS 1.66% Fixed
NEW VEHICLES 10% DOWN 36 MONTHS AS LOW AS 1.66% Fixed
NEW VEHICLES 10% DOWN 48 MONTHS AS LOW AS 1.66% Fixed
NEW VEHICLES 10% DOWN 60 MONTHS AS LOW AS 1.66% Fixed
NEW VEHICLES 10% DOWN 72 MONTHS AS LOW AS 3.66% Fixed
NEW VEHICLES 10% DOWN 84 MONTHS AS LOW AS 3.66% Fixed
NEWER USED VEHICLES (2011-2014) 0% DOWN 24 MONTHS AS LOW AS 2.66% Fixed
NEWER USED VEHICLES (2011-2014) 10% DOWN 36 MONTHS AS LOW AS 2.66% Fixed
NEWER USED VEHICLES (2011-2014) 10% DOWN 48 MONTHS AS LOW AS 2.66% Fixed
NEWER USED VEHICLES (2011-2014) 10% DOWN 60 MONTHS AS LOW AS 2.66% Fixed
USED VEHICLES (2008-2010) 0% DOWN 24 MONTHS AS LOW AS 2.66% Fixed
USED VEHICLES (2008-2010) 10% DOWN 36 MONTHS AS LOW AS 2.66% Fixed
USED VEHICLES (2008-2010) 10% DOWN 48 MONTHS AS LOW AS 2.66% Fixed
USED VEHICLES (2008-2010) 10% DOWN 60 MONTHS AS LOW AS 2.66% Fixed
OLDER USED VEHICLES (2005-2007) 0% DOWN 24 MONTHS AS LOW AS 6.25% Fixed
OLDER USED VEHICLES (2005-2007) 10% DOWN 36 MONTHS AS LOW AS 6.50% Fixed
OLDER USED VEHICLES (2005-2007) 15% DOWN 48 MONTHS AS LOW AS 7.00% Fixed
CLASSIC VEHICLES (2004 & OLDER) 10% DOWN 12 MONTHS AS LOW AS 7.50% Fixed
CLASSIC VEHICLES (2004 & OLDER) 20% DOWN 24 MONTHS AS LOW AS 7.75% Fixed
CLASSIC VEHICLES (2004 & OLDER) 20% DOWN 36 MONTHS AS LOW AS 8.00% Fixed
CLASSIC VEHICLES (2004 & OLDER) 20% DOWN 48 MONTHS AS LOW AS 8.25% Fixed
NEW RECREATIONAL 10% DOWN 36 MONTHS AS LOW AS 2.66% Fixed
NEW RECREATIONAL 10% DOWN 48 MONTHS AS LOW AS 2.66% Fixed
NEW RECREATIONAL 10% DOWN 60 MONTHS AS LOW AS 2.66% Fixed
NEW RECREATIONAL 10% DOWN 72 MONTHS AS LOW AS 5.25% Fixed
NEW RECREATIONAL 10% DOWN 78 MONTHS AS LOW AS 5.50% Fixed
NEWER USED RECREATIONAL (2008-2014) 10% DOWN 24 MONTHS AS LOW AS 2.66% Fixed
NEWER USED RECREATIONAL (2008-2014) 10% DOWN 36 MONTHS AS LOW AS 2.66% Fixed
NEWER USED RECREATIONAL (2008-2014) 10% DOWN 48 MONTHS AS LOW AS 2.66% Fixed
NEWER USED RECREATIONAL (2008-2014) 10% DOWN 60 MONTHS AS LOW AS 2.66% Fixed
USED RECREATIONAL (2003-2007) 15% DOWN 24 MONTHS AS LOW AS 6.50% Fixed
USED RECREATIONAL (2003-2007) 15% DOWN 36 MONTHS AS LOW AS 6.75% Fixed
USED RECREATIONAL (2003-2007) 15% DOWN 48 MONTHS AS LOW AS 7.25% Fixed
OLDER RECREATIONAL (2002 & OLDER) 20% DOWN 24 MONTHS AS LOW AS 8.50% Fixed
OLDER RECREATIONAL (2002 & OLDER) 20% DOWN 36 MONTHS AS LOW AS 8.75% Fixed
OLDER RECREATIONAL (2002 & OLDER) 20% DOWN 48 MONTHS AS LOW AS 9.00% Fixed
HOUSEHOLD GOODS UP TO 36 MONTHS VARIES BY TERM 6.90% Fixed
SECOND MORTGAGE 36 MONTHS CALL FOR RATES % Fixed
SECOND MORTGAGE 60 MONTHS CALL FOR RATES % Fixed
SECOND MORTGAGE 84 MONTHS CALL FOR RATES % Fixed
SECOND MORTGAGE 120 MONTHS CALL FOR RATES % Fixed
SECOND MORTGAGE 180 MONTHS CALL FOR RATES % Fixed
VISA CREDIT CARD UP TO 42 MONTHS 3% OF BALANCE 9.90% Fixed
KWIK CASH (LINE OF CREDIT) UP TO 42 MONTHS 3% OF BALANCE 12.00% Fixed
SIGNATURE LOAN (UNSECURED) – UP TO $5000 UP TO 60 MONTHS VARIES BY TERM 11.00% Fixed
SINGLE PAYMENT NOTE – UNSECURED 3-6 MONTHS VARIES BY TERM 12.00% Fixed
SHARE SECURED 36 MONTHS AS LOW AS 2.49% Fixed
SHARE SECURED 48 MONTHS AS LOW AS 2.99% Fixed
SHARE SECURED 60 MONTHS AS LOW AS 3.49% Fixed
PERSONAL UTILITY EQUIPMENT (NEW ONLY)- 0% DOWN 24 MONTHS AS LOW AS 4.50% Fixed
PERSONAL UTILITY EQUIPMENT (NEW ONLY) – 10% DOWN 36 MONTHS AS LOW AS 4.75% Fixed
PERSONAL UTILITY EQUIPMENT (NEW ONLY) – 10% DOWN 48 MONTHS AS LOW AS 5.00% Fixed
PERSONAL UTILITY EQUIPMENT (NEW ONLY) – 10% DOWN 60 MONTHS AS LOW AS 5.25% Fixed

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates

Rates as of 10/18/2014.
Rate Description Term Dividend Rates APY
Share Certificate 6 months 0.10% 0.10%
Share Certificate 12 months 0.15% 0.15%
Share Certificate 24 months 0.20% 0.20%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates

Rates as of 10/18/2014.
Rate Description Term Dividend Rates APY
Regular Share QUARTERLY 0.05% 0.05%
Kids Klub Shares QUARTERLY 0.05% 0.05%
Christmas Club QUARTERLY 0.25% 0.25%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs

Rates as of 10/18/2014.
Rate Description Term Dividend Rates APY
IRA Share QUARTERLY 0.05% 0.05%
IRA Share Certificate 6 months 0.10% 0.10%
IRA Share Certificate 12 months 0.15% 0.15%
IRA Share Certificate 24 months 0.20% 0.20%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Share Draft

Rates as of 10/18/2014.
Rate Description Term Dividend Rates APY
SHARE DRAFT/CHECKING MONTHLY 0.05% 0.05%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.