Current Rates
The following account rates have been declared for the period of:
10/1/2024 to 12/31/2024
Product | Balance | Annual Percentage Yield (APY) | Rate |
---|---|---|---|
Dividends for all above accounts are paid quarterly on the daily balance. Savings and Checking Account dividends will be declared by the Board of Directors at the end of each quarter. The above yields represent what was paid during the above quarter. Law prohibits the payment of dividends in excess of the credit union’s available earnings. |
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Product
Membership Savings (0100) |
Balance
0. to 99. |
Annual Percentage Yield (APY)
1.51% |
Rate
1.50% |
Product
|
Balance
100. to 499. |
Annual Percentage Yield (APY)
1.51% |
Rate
1.50% |
Product
|
Balance
500. to 2,499. |
Annual Percentage Yield (APY)
1.51% |
Rate
1.50% |
Product
|
Balance
2,500. to 9,999. |
Annual Percentage Yield (APY)
1.51% |
Rate
1.50% |
Product
|
Balance
10,000. + |
Annual Percentage Yield (APY)
1.51% |
Rate
1.50% |
Product
Special Savings (0200) |
Balance
0. to 499. |
Annual Percentage Yield (APY)
1.51% |
Rate
1.50% |
Product
|
Balance
500. to 2,499. |
Annual Percentage Yield (APY)
1.51% |
Rate
1.50% |
Product
|
Balance
2,500. to 9,999. |
Annual Percentage Yield (APY)
1.51% |
Rate
1.50% |
Product
|
Balance
10,000. + |
Annual Percentage Yield (APY)
|
Rate
1.50% |
Product
Holiday Club (0900) |
Balance
All |
Annual Percentage Yield (APY)
0.25% |
Rate
0.25% |
Product
Youth Savings (1800) |
Balance
All |
Annual Percentage Yield (APY)
1.26% |
Rate
1.25% |
Product
Youth Special Savings (1900) |
Balance
All |
Annual Percentage Yield (APY)
1.26% |
Rate
1.25% |
Product
Health Savings (2600) |
Balance
All |
Annual Percentage Yield (APY)
1.26% |
Rate
1.25% |
Product
Interest Checking (0500) |
Balance
All |
Annual Percentage Yield (APY)
0.25% |
Rate
0.25% |
The following account rates have been declared for the month of:
December 2024
Type | Balance | Annual Percentage Yield (APY) | Rate |
---|---|---|---|
Dividends for Liquid Assets accounts are calculated on the daily balance and are paid monthly. Dividends are declared by the Board of Directors at the end of each month. |
|||
Type
Liquid Assets (0700) |
Balance
0. to 9,999. |
Annual Percentage Yield (APY)
1.01% |
Rate
1.00% |
Type
|
Balance
10,000. to 24,999. |
Annual Percentage Yield (APY)
1.16% |
Rate
1.15% |
Type
|
Balance
25,000. to 49,999. |
Annual Percentage Yield (APY)
1.26% |
Rate
1.25% |
Type
|
Balance
50,000. to 74,999. |
Annual Percentage Yield (APY)
1.36% |
Rate
1.35% |
Type
|
Balance
75,000. + |
Annual Percentage Yield (APY)
1.51% |
Rate
1.50% |
The following account rates are effective as of:
December 18, 2024
Term | Annual Percentage Yield (APY) | Rate |
---|---|---|
Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time. |
||
Term
90 to 181 Days |
Annual Percentage Yield (APY)
N/A |
Rate
N/A |
Term
182 to 364 days (7200) |
Annual Percentage Yield (APY)
4.07% |
Rate
4.00% |
Term
12 to 23 months (7300) |
Annual Percentage Yield (APY)
4.33% |
Rate
4.25% |
Term
24 to 35 months (7400) |
Annual Percentage Yield (APY)
3.56% |
Rate
3.50% |
Term
36 to 47 months (7500) |
Annual Percentage Yield (APY)
3.62% |
Rate
3.55% |
Term
48 to 59 months (7600) |
Annual Percentage Yield (APY)
3.72% |
Rate
3.65% |
Term
60 months (7700) |
Annual Percentage Yield (APY)
3.83% |
Rate
3.75% |
Term | Annual Percentage Yield (APY) | Rate |
---|---|---|
Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time. |
||
Term
90 to 181 Days (7100) |
Annual Percentage Yield (APY)
2.48% |
Rate
2.45% |
Term
182 to 364 days (7200) |
Annual Percentage Yield (APY)
4.13% |
Rate
4.05% |
Term
12 to 23 months (7300) |
Annual Percentage Yield (APY)
4.33% |
Rate
4.25% |
Term
24 to 35 months (7400) |
Annual Percentage Yield (APY)
3.61% |
Rate
3.55% |
Term
36 to 47 months (7500) |
Annual Percentage Yield (APY)
3.67% |
Rate
3.60% |
Term
48 to 59 months (7600) |
Annual Percentage Yield (APY)
3.77% |
Rate
3.70% |
Term
60 months (7700) |
Annual Percentage Yield (APY)
3.88% |
Rate
3.80% |
Term | Annual Percentage Yield (APY) | Rate |
---|---|---|
Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time. |
||
Term
90 to 181 Days (7100) |
Annual Percentage Yield (APY)
2.54% |
Rate
2.50% |
Term
182 to 364 days (7200) |
Annual Percentage Yield (APY)
4.23% |
Rate
4.15% |
Term
12 to 23 months (7300) |
Annual Percentage Yield (APY)
4.39% |
Rate
4.30% |
Term
24 to 35 months (7400) |
Annual Percentage Yield (APY)
3.66% |
Rate
3.60% |
Term
36 to 47 months (7500) |
Annual Percentage Yield (APY)
3.72% |
Rate
3.65% |
Term
48 to 59 months (7600) |
Annual Percentage Yield (APY)
3.83% |
Rate
3.75% |
Term
60 months (7700) |
Annual Percentage Yield (APY)
3.93% |
Rate
3.85% |
The following account rates have been declared for the period of:
10/1/2024 to 12/31/2024
Account Type | Balance | Annual Percentage Yield (APY) | Rate |
---|---|---|---|
Dividends for all above accounts are paid quarterly on the daily balance. Savings account dividends will be declared by the Board of Directors at the end of each quarter. The above yields represent what was paid during the above quarter. Law prohibits the payment of dividends in excess of the credit union’s available earnings. |
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Account Type
Traditional IRA Savings (2000) |
Balance
All |
Annual Percentage Yield (APY)
1.51% |
Rate
1.50% |
Account Type
Roth IRA Savings (2100) |
Balance
All |
Annual Percentage Yield (APY)
1.51% |
Rate
1.50% |
Account Type
Education IRA Savings (2300) |
Balance
All |
Annual Percentage Yield (APY)
1.51% |
Rate
1.50% |
Account Type
SEP IRA Savings (2400) |
Balance
All |
Annual Percentage Yield (APY)
1.51% |
Rate
1.50% |
The following account rates are effective as of:
December 18, 2024
Term | Annual Percentage Yield (APY) | Rate |
---|---|---|
Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time. |
||
Term
12 to 23 months (9100) |
Annual Percentage Yield (APY)
4.39% |
Rate
4.30% |
Term
24 to 35 months (9200) |
Annual Percentage Yield (APY)
3.66% |
Rate
3.60% |
Term
36 to 47 months (9300) |
Annual Percentage Yield (APY)
3.72% |
Rate
3.65% |
Term
48 to 59 months (9400) |
Annual Percentage Yield (APY)
3.83% |
Rate
3.75% |
Term
60 months (9500) |
Annual Percentage Yield (APY)
3.93% |
Rate
3.85% |
Term |
Annual Percentage Yield (APY) |
Rate |
---|---|---|
Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time. |
||
Term 12 to 23 months (9100) |
Annual Percentage Yield (APY) 4.39% |
Rate 4.30% |
Term 24 to 35 months (9200) |
Annual Percentage Yield (APY) 3.66% |
Rate 3.60% |
Term 36 to 47 months (9300) |
Annual Percentage Yield (APY) 3.72% |
Rate 3.65% |
Term 48 to 59 months (9400) |
Annual Percentage Yield (APY) 3.83% |
Rate 3.75% |
Term 60 months (9500) |
Annual Percentage Yield (APY) 3.93% |
Rate 3.85% |
Term | Annual Percentage Yield (APY) | Rate |
---|---|---|
Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time. |
||
Term
12 to 23 months (9100) |
Annual Percentage Yield (APY)
4.39% |
Rate
4.30% |
Term
24 to 35 months (9200) |
Annual Percentage Yield (APY)
3.66% |
Rate
3.60% |
Term
36 to 47 months (9300) |
Annual Percentage Yield (APY)
3.72% |
Rate
3.65% |
Term
48 to 59 months (9400) |
Annual Percentage Yield (APY)
3.83% |
Rate
3.75% |
Term
60 months (9500) |
Annual Percentage Yield (APY)
3.93% |
Rate
3.85% |
Term | Annual Percentage Yield (APY) | Rate |
---|---|---|
Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time. |
||
Term
12 to 23 months (9100) |
Annual Percentage Yield (APY)
4.39% |
Rate
4.30% |
Term
24 to 35 months (9200) |
Annual Percentage Yield (APY)
3.66% |
Rate
3.60% |
Term
36 to 47 months (9300) |
Annual Percentage Yield (APY)
3.72% |
Rate
3.65% |
Term
48 to 59 months (9400) |
Annual Percentage Yield (APY)
3.83% |
Rate
3.75% |
Term
60 months (9500) |
Annual Percentage Yield (APY)
3.93% |
Rate
3.85% |
The following account rates have been declared for the month of:
December 2024
Product | Annual Percentage Yield (APY) | Rate |
---|---|---|
Dividends declared for Business Checking accounts are calculated on the daily balance and paid monthly. Dividends are declared by the Board of Directors at the end of each month. Please refer to your “Important Account Information” booklet for full details, terms, and conditions. |
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Product
Business Interest Checking (5200, 6200) |
Annual Percentage Yield (APY)
0.25% |
Rate
0.25% |
Product | Balance | Annual Percentage Yield (APY) | Rate |
---|---|---|---|
Dividends declared for Business Liquid Asset accounts are calculated on the daily balance and paid monthly. Dividends are declared by the Board of Directors at the end of each month. Please refer to your “Important Account Information” booklet for full details, terms, and conditions. |
|||
Product
Business Liquid Assets (7000) |
Balance
0. to 9,999. |
Annual Percentage Yield (APY)
1.01% |
Rate
1.00% |
Product
|
Balance
10,000. to 24,999. |
Annual Percentage Yield (APY)
1.16% |
Rate
1.15% |
Product
|
Balance
25,000. to 49,999. |
Annual Percentage Yield (APY)
1.26% |
Rate
1.25% |
Product
|
Balance
50,000. to 74,999. |
Annual Percentage Yield (APY)
1.36% |
Rate
1.35% |
Product
|
Balance
75,000. + |
Annual Percentage Yield (APY)
1.51% |
Rate
1.50% |
The following account rates have been declared for the period of:
10/1/2024 to 12/31/2024
Product | Balance | Annual Percentage Rate (APY) | Rate |
---|---|---|---|
Dividends for the above accounts are paid quarterly on the daily balance. Savings and checking accounts will be declared by the Board of Directors at the end of each quarter. The above yields represent what was paid during the above quarter. Law prohibits the payment of dividends in excess of the credit union’s available earnings. |
|||
Product
Business Membership Savings (5000) |
Balance
0. to 99. |
Annual Percentage Rate (APY)
1.51% |
Rate
1.50% |
Product
|
Balance
100. to 499. |
Annual Percentage Rate (APY)
1.51% |
Rate
1.50% |
Product
|
Balance
500. to 2,499. |
Annual Percentage Rate (APY)
1.51% |
Rate
1.50% |
Product
|
Balance
2,500. to 9,999. |
Annual Percentage Rate (APY)
1.51% |
Rate
1.50% |
Product
|
Balance
10,000. + |
Annual Percentage Rate (APY)
1.51% |
Rate
1.50% |
The following account rates are effective as of:
December 18, 2024
Term of Loan |
Annual Percentage Rate (APR) as low as |
Rate | Points |
---|---|---|---|
Other products available (rates/terms may be different according to each product)
APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied. |
|||
Term of Loan
30 Years
|
Annual Percentage Rate (APR) as low as 6.625% |
Rate
6.500% |
Points
0.000 |
Term of Loan
|
Annual Percentage Rate (APR) as low as 6.471% |
Rate
6.250% |
Points
1.000 |
Term of Loan
15 Years |
Annual Percentage Rate (APR) as low as 5.700% |
Rate
5.500% |
Points
0.000 |
Term of Loan
|
Annual Percentage Rate (APR) as low as 5.606% |
Rate
5.250% |
Points
1.000 |
Term of Loan | Annual Percentage Rate (APR) as low as | Rate | Points |
---|---|---|---|
Jumbo loans are loans exceeding $766,550 APR is based on a $800,000 loan amount. Rates also available for Non-Owner Occupied. |
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Term of Loan
30 Years
|
Annual Percentage Rate (APR) as low as
6.716% |
Rate
6.700% |
Points
0.000 |
Term of Loan
|
Annual Percentage Rate (APR) as low as
6.562% |
Rate
6.450% |
Points
1.000 |
Term of Loan
15 Years |
Annual Percentage Rate (APR) as low as
5.725% |
Rate
5.700% |
Points
0.000 |
Term of Loan
|
Annual Percentage Rate (APR) as low as
5.630% |
Rate
5.450% |
Points
1.000 |
The following account rates are effective as of:
December 16, 2024
Home Purchases/Refinances | Annual Percentage Rate (APR) as low as | Rate as low as | Comments |
---|---|---|---|
ARM Rates have a 6% lifetime cap over original rate. Rates are for owner-occupied properties. Non-owner-occupied rates available. Annual Percentage Rates shown are based on a $100,000 loan amount. The APR will vary according to term, amount of loan, and other prepaid finance charges. |
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Home Purchases/Refinances
Quarterly Adjustable
|
Annual Percentage Rate (APR) as low as
5.366% |
Rate as low as
5.250% |
Comments
No points. Up to 30 years financing. |
Home Purchases/Refinances
3 & 1 Year ARM |
Annual Percentage Rate (APR) as low as
4.863% |
Rate as low as
4.750% |
Comments
No points. Up to 30 years financing. |
Home Purchases/Refinances
7 & 1 Year ARM |
Annual Percentage Rate (APR) as low as
5.114% |
Rate as low as
5.000% |
Comments
No points. Up to 30 years financing. |
Home Purchases/Refinances
Manufactured Home and Land |
Annual Percentage Rate (APR) as low as
Please refer to the above real estate rates |
Rate as low as
|
Comments
|
Home Purchases/Refinances
Manufactured Home in Park |
Annual Percentage Rate (APR) as low as
9.579% |
Rate as low as
9.250% |
Comments
Up to 80% of the appraised value. 2003 or newer. 1 Point. Up to 20 years financing. |
Home Purchases/Refinances
Home Construction (with automatic rollover) |
Annual Percentage Rate (APR) as low as
5.872% |
Rate as low as
5.500% (30 Years) |
Comments
Up to 80% of appraised value, not to exceed 100% of cost to build. $400 upfront application fee. $1,500 origination fee. 2 points. |
Home Purchases/Refinances
Unimproved Property |
Annual Percentage Rate (APR) as low as
9.832% |
Rate as low as
9.500% (20 Years) |
Comments
Up to 60% of land value. 1 point. |
Card Type |
Credit Score |
Rate |
---|---|---|
Card Type
Visa Classic Card FIXED |
Credit Score 730 |
Rate 15.70% |
Card Type
|
Credit Score 700-729 |
Rate 15.95% |
Card Type
|
Credit Score 675-699 |
Rate 16.95% |
Card Type
|
Credit Score 650-674 |
Rate 20.95% |
Card Type
|
Credit Score 610-649 |
Rate 23.95% |
Card Type
Visa Classic Card VARIABLE |
Credit Score 730 |
Rate 11.70% |
Card Type
|
Credit Score 700-729 |
Rate 11.95% |
Card Type
|
Credit Score 675-699 |
Rate 12.95% |
Card Type
|
Credit Score 650-674 |
Rate 16.95% |
Card Type
|
Credit Score 610-649 |
Rate 19.95% |
Card Type
|
Credit Score |
Rate |
Card Type
Visa Platinum Card FIXED |
Credit Score 730 |
Rate 14.70% |
Card Type
|
Credit Score 700-729 |
Rate 14.95% |
Card Type
Visa Platinum Card VARIABLE |
Credit Score 730 |
Rate 10.70% |
Card Type
|
Credit Score 700-729 |
Rate 10.95% |
Type |
Credit Score |
Rate |
Comment |
---|---|---|---|
Type
Personal Line of Credit Variable |
Credit Score 730 |
Rate 13.50% |
Comment
Open line of credit. Maximum loan of $50,000. |
Type
|
Credit Score 700-729 |
Rate 13.75% |
Comment
|
Type
|
Credit Score 675-699 |
Rate 14.75% |
Comment
|
Type
|
Credit Score 650-674 |
Rate 18.75% |
Comment
|
Type
|
Credit Score 610-649 |
Rate 21.75% |
Comment
|
Loan Type | Loan Terms | Rate as low as |
---|---|---|
|
||
Loan Type
New & Used Autos |
Loan Terms
Fixed Rate |
Rate as low as
5.99% |
Loan Type
Boat & RV Loans (New & Used) |
Loan Terms
Fixed Rate |
Rate as low as
7.50% |
Product | Term | Rate as low as |
---|---|---|
Equiline Line of Credit:
Home Equity Loan:
|
||
Product
Home Equity Line of Credit (Open-Ended Loan) |
Term
15 Year Variable |
Rate as low as
8.250% |
Product
Home Equity Loan (Closed-Ended Loan) |
Term
10 Year Fixed |
Rate as low as
8.750% |
Product
|
Term
15 Year Fixed |
Rate as low as
9.250% |