Rates - Effective 08/06/2012

*All rates subject to change.      
Loan Type Requirements Months A.P.R
Annual Percentage Rate
VISA CLASSIC/GOLD No Annual FEE 27  
Share Secured 2.5% over share secured rate
New Vehicles*
*Subtract 0.25% for ACH or
payroll deduction.
**Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle.
100% of M.S.R.P. 48
66
72
84
As low as 2.75%
As low as 2.95%
As low as 3.50%
As low as 4.95%
New RV's*
*Subtract 0.25% for ACH or
payroll dedcution.
**Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle
100% of Sticker 48
60
61-84
$25K + 120
As low as 4.00%
As low as 4.95%
As low as 5.25%
As low as 5.95%
Used Vehicles*
(Auto or Truck)
*Subtract 0.25% for ACH or
payroll dedcution.
**Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle.
100% of NADA retail value
2009 - 2012 Models
48
60
66
72
As low as 2.75%
As low as 2.95%
As low as 3.30%
As low as 3.50%
Used Vehicles* 2005 - 2008 Models 36
48
60
As low as 3.95%
As low as 4.10%
As low as 4.50%
Used Vehicles*
**Rates may vary based on credit
qualifications, term of loan, year of
vehicle, equity in vehicle and mileage of vehicle.
2004 - 2000 Models
$0.00 to $1,000
$1,001 to $4,000
$4,001 and over

12
24
36
As low as 5.90%
Used RV's*
Subtract 0.25% for ACH or
payroll dedcution.
80% of NADA retail value 60 As low as 5.95%
Used RV's*
**Rates may vary based on credit
qualifications, term of loan, year of
vehicle, equity in vehicle and mileage of vehicle.

$20,000 or greater 84 As low as 6.50%
Personal Line of Credit Based on years service
Min. $500 - Max .$12,000
48 As low as 7.95%
Specialty ***Rate based on credit qualifications 12 As low as 5.95%
Appliance Loan up to 72 months 8.25%
New And Used Farm Equipment 60
36
7.95%
8.95%
Mortgage *These rates for loans $30,000 and greater.  Add 1% to rates for loans less than $30,000 First/Refinance
180
240
360

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Construction 5.500%
1/1 Adjustable Rate Mortgage 80% Max 360 1.95%
3/1 Adjustable Rate Mortgage 360 5.00%

3 Year Ballon

5 Year Balloon

80% Max

80% Max

360

360

1.99%

2.35%

*These rates are for loans $30,000 and greater. Add 1.00% to rate for loans less than $30,000.

Equity line of credit(variable rate)

 

90% appraised value

 

300

 

4.25%

Home Improvement 85% of appraised value
Max. $50,000
60
120
5.55%
6.45%
Unimproved Property 80% of appraised value 120
180
7.60%
8.15%
Quick-Fix** Max. $10,000
Min. $4,000
60 As low as 6.65%**
* Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle.
** Rate is based on credit qualifications.


Savings Rates A.P.Y. **
Annual Percentage Yield
Regular Shares 0.10%
Super Shares 0.25%
Share Plus Balance $2,500 - $50,000...........................................
Greater than $50,000 ...................................
0.35%
0.55%
Club Level Money Market Five Star & Silver Star Members Only
$5000 - $49,999
$50,000 +

0.40%
0.65%
Share Certificates
Any Silver Star 55+ or 5 Star Member
Can add .25% to any new Certificate*
   
  3 Months*
3 Mo. Youth CD ($500 min $2500 max 17 years & Younger)
0.25%
6.00%
  6 Months * 0.35%
  1 Year * 0.45%
  2 Years * 0.70%
  3 Years * 1.05%
  5 Years* 1.75%
     
IRA & Roth IRA Share 0.50%
Health Savings Accounts 0.50%
IRA/Roth/Education CD 1 Year CD.........................................................
2 Year CD.........................................................
3 Year CD.........................................................
0.75%
1.45%
1.90%
Coverdell ESA 1.00%
Holiday Club 0.25%
Vacation Club 0.25%
Business Draft 0.15%
Share Draft/Checking 0.00%

**These rates reflect the annual percentage yield and are presented for the
    member's information only. Please contact the Credit Union for disclosures
    and account details.

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