Rate Information »

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

Loan Rates

Rates as of 1/1/2012.
Rate Description Term Payment Description APR APR Type
NEW VEHICLES 0% DOWN 24 MONTHS $43.54 per $1000 borrowed 4.25% Fixed
NEW VEHICLES 10% DOWN 36 MONTHS $29.75 per $1000 borrowed 4.50% Fixed
NEW VEHICLES 10% DOWN 48 MONTHS $22.92 per $1000 borrowed 4.75% Fixed
NEW VEHICLES 10% DOWN 60 MONTHS $18.88 per $1000 borrowed 5.00% Fixed
NEW VEHICLES 10% DOWN 72 MONTHS $16.23 per $1000 borrowed 5.25% Fixed
NEWER USED VEHICLES (2008-2011) 0% DOWN 24 MONTHS $43.66 per $1000 borrowed 4.50% Fixed
NEWER USED VEHICLES (2008-2011) 10% DOWN 36 MONTHS $29.86 per $1000 borrowed 4.75% Fixed
NEWER USED VEHICLES (2008-2011) 10% DOWN 48 MONTHS $23.04 per $1000 borrowed 5.00% Fixed
NEWER USED VEHICLES (2008-2011) 10% DOWN 60 MONTHS $18.99 per $1000 borrowed 5.25% Fixed
USED VEHICLES (2005-2007) 0% DOWN 24 MONTHS $44.33 per $1000 borrowed 6.00% Fixed
USED VEHICLES (2005-2007) 10% DOWN 36 MONTHS $30.54 per $1000 borrowed 6.25% Fixed
USED VEHICLES (2005-2007) 10% DOWN 48 MONTHS $23.72 per $1000 borrowed 6.50% Fixed
USED VEHICLES (2005-2007) 10% DOWN 60 MONTHS $19.69 per $1000 borrowed 6.75% Fixed
OLDER USED VEHICLES (2003-2004) 0% DOWN 24 MONTHS $45.12 per $1000 borrowed 7.75% Fixed
OLDER USED VEHICLES (2003-2004) 10% DOWN 36 MONTHS $31.35 per $1000 borrowed 8.00% Fixed
OLDER USED VEHICLES (2003-2004) 15% DOWN 48 MONTHS $24.66 per $1000 borrowed 8.50% Fixed
CLASSIC VEHICLES (2002 & OLDER) 10% DOWN 12 MONTHS $87.46 per $1000 borrowed 9.00% Fixed
CLASSIC VEHICLES (2002 & OLDER) 20% DOWN 24 MONTHS $45.81 per $1000 borrowed 9.25% Fixed
NEW RECREATIONAL 10% DOWN 36 MONTHS $29.86 per $1000 borrowed 4.75% Fixed
NEW RECREATIONAL 10% DOWN 48 MONTHS $23.04 per $1000 borrowed 5.00% Fixed
NEW RECREATIONAL 10% DOWN 60 MONTHS $18.99 per $1000 borrowed 5.25% Fixed
NEW RECREATIONAL 10% DOWN 72 MONTHS $16.46 per $1000 borrowed 5.75% Fixed
NEW RECREATIONAL 10% DOWN 78 MONTHS $15.52 per $1000 borrowed 6.00% Fixed
NEWER USED RECREATIONAL (2008 - 2011) 10% DOWN 24 MONTHS $44.44 per $1000 borrowed 6.25% Fixed
NEWER USED RECREATIONAL (2008- 2011) 10% DOWN 36 MONTHS $30.66 per $1000 borrowed 6.50% Fixed
NEWER USED RECREATIONAL (2008-2011) 10% DOWN 48 MONTHS $23.84 per $1000 borrowed 6.75% Fixed
NEWER USED RECREATIONAL (2008 - 2011) 10% DOWN 60 MONTHS $19.81 per $1000 borrowed 7.00% Fixed
USED RECREATIONAL (2001 - 2007) 15% DOWN 24 MONTHS $44.78 per $1000 borrowed 7.00% Fixed
USED RECREATIONAL (2001 - 2007) 15% DOWN 36 MONTHS $31.00 per $1000 borrowed 7.25% Fixed
USED RECREATIONAL (2001 - 2007) 15% DOWN 48 MONTHS $24.31 per $1000 borrowed 7.75% Fixed
OLDER RECREATIONAL (2000 & OLDER) 20% DOWN 24 MONTHS $45.69 per $1000 borrowed 9.00% Fixed
OLDER RECREATIONAL (2000 & OLDER) 20% DOWN 36 MONTHS $31.93 per $1000 borrowed 9.25% Fixed
OLDER RECREATIONAL (2000 & OLDER) 20% DOWN 48 MONTHS $25.13 per $1000 borrowed 9.50% Fixed
HOUSEHOLD GOODS UP TO 36 MONTHS VARIES BY TERM 6.90% Fixed
SECOND MORTGAGE 36 MONTHS $30.09 per $1000 borrowed 5.25% Fixed
SECOND MORTGAGE 60 MONTHS $19.11 per $1000 borrowed 5.50% Fixed
SECOND MORTGAGE 84 MONTHS $14.49 per $1000 borrowed 5.75% Fixed
SECOND MORTGAGE 120 MONTHS $11.23 per $1000 borrowed 6.25% Fixed
SECOND MORTGAGE 180 MONTHS $8.72 per $1000 borrowed 6.50% 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 $28.86 per $1000 borrowed 2.49% Fixed
SHARE SECURED 48 MONTHS $22.14 per $1000 borrowed 2.99% Fixed
SHARE SECURED 60 MONTHS $18.19 per $1000 borrowed 3.49% 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 1/1/2012.
Rate Description Term Dividend Rates APY
Share Certificate 6 months 0.25% 0.25%
Share Certificate 12 months 0.45% 0.45%
Share Certificate 24 months 0.75% 0.75%

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 1/1/2012.
Rate Description Term Dividend Rates APY
Regular Share QUARTERLY 0.10% 0.10%
Kids Klub Shares QUARTERLY 0.10% 0.10%
Christmas Club QUARTERLY 0.50% 0.50%

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 1/1/2012.
Rate Description Term Dividend Rates APY
IRA Share QUARTERLY 0.10% 0.10%
IRA Share Certificate 6 months 0.25% 0.25%
IRA Share Certificate 12 months 0.45% 0.45%
IRA Share Certificate 24 months 0.75% 0.75%

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 1/1/2012.
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.

                  

 

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