Rates
Due
to economic conditions, rates may change unexpectedly, so check back frequently!
Dividend Rates as of
July 1, 2010
As
of May 26, 2009, with the passage of The Helping Families Save their Homes
Act of 2009, NCUA has extended the share insurance protection of $250,000
on all types of credit union accounts through December 31, 2013.
Share Account and Christmas Club Accounts |
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$100 minimum balance |
0.15% APY† |
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required to earn dividends |
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Checking Accounts |
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Regular |
$400 and higher |
0.100% APY† |
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Classic 60 |
$400 and higher |
0.100% APY† |
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IRA Share Accounts - TRADITIONAL AND ROTH IRAS!! |
1.000% APY† |
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Regular Certificates |
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First Step Certificates - $500 minimum balance to open |
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6 months |
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0.800% APY† |
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12 months |
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1.000% APY† |
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Other Certificates - $2,500 minimum balance to open |
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18 months |
One-time Adj. Rate |
1.250% APY† |
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24 months |
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1.500% APY† |
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36 months |
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2.000% APY† |
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60 months |
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2.750% APY† |
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Jumbo Certificates - $90,000 minimum balance to open |
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6 months |
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1.000% APY† |
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| 12 months | 1.400% APY† | ||||||||||||||||||||||
| 18 months | 1.600% APY† | ||||||||||||||||||||||
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24 months |
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1.800% APY† |
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† All dividends rates are expressed as APY rates, which
means Annual Percentage Yields.
Effective April 1, 2006 IRA accounts (both Tradional & ROTH types) are insured up to $250,000 per account by NCUA.
Effective May 26, 2009,, all other deposit accounts are insured
by NCUA up to $250,000 per account up through December 31, 2013.
Loan Rates as of July 1, 2010
Secured Loans (Autos, Boats, RVs) |
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24 months |
as low as 3.50% APR wac‡ |
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36 months |
as low as 4.50% APR wac‡ |
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48 months |
as low as 5.00% APR wac‡ |
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60 months |
as low as 6.00% APR wac‡ |
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72 months |
as low as 7.00% APR wac‡ (for $30,000+) |
Unsecured Loans |
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Maximum of 36 months |
as low as 7.00% APR wac‡ |
Line of Credit Loans |
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Maximum of 36 months |
as low as 8.00% APR wac‡ |
Share Secured Loans |
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3.00% above the current rate you are earning on share account |
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Certificate Secured Loans |
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2.00% above the current rate you are earning on the certificate |
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Visa Credit Cards |
Platinum* |
as low as 6.90% APR |
”wac” stands for "with approved credit".
* Our Visa Accounts have NO ANNUAL FEE and a 25-day grace period.
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Page updated on Thursday, 01-Jul-2010