Rates

Enjoy the Credit Union Difference!

Our Rates

Interest Rate Effective Date: 04/09/2019

Loan Rates

Loan Type
Annual Percentage Rate (APR)
Collateral
Equipment
As low as 5.00%
*NEW* tractors, bobcats, trailers
New Vehicles
As low as 3.75%
*NEW* vechicle
Used Vehicles
As low as 3.75%
Used vehicle
Recreational Vehicles
As low as 4.75%
RVs, boats, campers, motorcycles, snowmobiles, ATVs, and ice ouses
Home Equity Real Estate
As low as 3.99%
1st Real Estate Mortgage
Home Equity Real Estate
As low as 3.99%
2nd Real Estate Mortgage
Real Estate
Call for current rates.
1st Real Estate mortgages maturities more than 10 years
Signature
As low as 7.25%
Loan less than 100% secured matures 12 months or less
Visa Classic
9.90%
No annual fee, points can be earned for travel and merchandise
Visa Super Classic
8.90%
$10.00 annual fee, points can be earned for travel and merchandise
Visa Shared Secured
7.90%
No annual fee, points can be earned for travel and merchandise

Share Savings

Type of Account
Annual Percentage Yield (APY)
Requirements
Regular Shares
0.10%
$15.00 balance
Secondary Shares
0.10%
None
Vacation Club
0.10%
None
Christmas Club
0.10%
None
Bonus
0.20%
$500.00 – $24,999.99
Bonus
0.30%
$25,000.00 – $149,999.99
Bonus
1.00%
$150,000.00+
Escrow
0.05%
None
IRA Daily
1.00%
None
Dividend Bearing Share Drafts
0.05%
$750.00 minimum to avoid $7.50 fee

Share Certificates

Early Withdrawal Penalties Apply

Term
Annual Percentage Yield (APY)
Minimum Balance
6 Months
0.15%
$500-$9,999.99
12 Months
1.25%
$500-$9,999.99
24 Months
1.50%
$500-$9,999.99
36 Months
2.00%
$500-$9,999.99 (One time bump option available.)
48 Months
2.15%
$500-$9,999.99 (One time bump option available.)
60 Months
2.50%
$500-$9,999.99 (One time bump option available.)
6 Months
1.00%
$10,000 and Over
12 Months
1.40%
$10,000 and Over
24 Months
1.75%
$10,000 and Over
36 Months
2.25%
$10,000 and Over (One time bump option available.)
48 Months
2.50%
$10,000 and Over (One time bump option available.)
60 Months
2.80%
$10,000 and Over (One time bump option available.)

The 36, 48, and 60 month certificates all have a one-time bump up option on the interest rate after 12 months; “One Time Bump” certificates are not automatically renewable. 

Early withdrawal penalties apply:

  • Terms of 12 months or less 60 days’ dividends
  • Terms of 13 months or longer 120 days’ dividends

IRA Share Certificates

Early Withdrawal Penalties Apply

Term
Annual Percentage Yield (APY)
Minimum Balance
6 Months
1.00%
$500 and Over
12 Months
1.40%
$500 and Over
24 Months
1.75%
$500 and Over
36 Months
2.25%
$500 and Over (One time bump after one year.)
48 Months
2.50%
$500 and Over (One time bump after one year.)
60 Months
2.80%
$500 and Over (One time bump after one year.)