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Our current rates for all account types are listed below. For full account details, including any applicable restrictions, click on the account name.

EFFECTIVE OCTOBER 1, 2008

Share TypeMinimum BalanceDiv. RateAPY
Member Shares $50 minimum balance0.50%0.50%
Holiday Shares $20 minimum balance1.00%1.00%
Jr. Super Share $2,500 minimum balance1.98%2.02%
Sr. Super Share $50,000 minimum balance2.96% 3.00%
12 Month CD $2,500 minimum balance2.96%3.00%
18 Month CD $2,500 minimum balance3.20%3.25%

All loan rates are fixed for the term of the loan. Add 1% to all rates (except Auto Advantage, REAL and Second Mortgage loans) if not payroll deducted or biweekly transfer from savings. Payroll deduction payments provide substantial savings in processing cost.

Loan TypeTermAPR
Share Secured - Member Varies5.25%
Share Secured - Jr. Super Varies5.50%
Share Secured - Sr. Super Varies6.25%
New Vehicles 60 months 5.50% - 10.00%
72 months 5.75% - 10.50%
84 months6.00% - 12.00%
Used Vehicles (2008-2005) 60 months6.75% - 11.00%
Used Vehicles (2004 & older) 48 months7.00% - 12.00%
Auto Advantage New Vehicles 60 months5.25%
84 months5.75%
Auto Advantage Used Vehicles 60 months6.25%
Rapid Equity Advantage (REAL) 60 months9.00%
Second Mortgages 60 months6.25%
61 - 120 months7.25%
121 - 180 months8.25%
Tuition - Up to $2,000 12 months 6.00% - 10.50%
Tuition - $2,001 - $3,000 13 - 24 months 6.50% - 11.50%
Tuition $3,001 - $4,000 25 - 36 months 7.00% - 12.00%
Signature $7,500 - $15,000 see chart below10.00% - 16.00%
COMPUTER LOAN $2500 Maxium To 36 months 7.00% - 11.00%
CREDIT CARD LOAN up to $15,000 36 months6.00% - 7.25%
48 months6.50% - 7.50%
60 months7.00% - 8.00%
VISA VARIES5.99% - 9.50%


EmploymentSalaryMaximumTerm
Less than 1 yearN/A$3,000.0036 months
1 to 5 yearsN/A$4,500.0036 months
5 years or moreTo $20,000$6,500.0048 months
 $20,000 to $26,000$8,50060 months
$26,001 to $32,000$11,000.0060 months
$32,001 to $45,000$13,500.0060 months
$45,001 and over$15,000.0060 months

 
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