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Loans Rate APR* Term  Calculator

Credit Builder Loan

18.00 18.00 12  Calculator 
Christmas Loan 9.90 9.90 12 Calculator 

October Loan Specials                                              New and Used                                                                       Auto's, Trucks, SUV's , RV's and Motorcycles Beginnig @

3.99 3.99 n/a Calculator 

New Start "Auto Loan Program" 
                    Credit Builder loans are for new or little credit.

13.90 13.90 n/a Calculator 

 Loan Specials for the 2008 Holidays             Furniture, Appliances, Computers, TV's, ATV's  Special Purchase Loans up to $10,000 Beginning @  

4.90 4.90 n/a Calculator
Health & Wellness beginning @ 9.90 9.90 n/a Calculator

Hurricane Readiness Loan @

9.90 9.90 n/a Calculator 
Dream Wedding Loan beginning @ 11.90 11.90 n/a Calculator
New Boats beginning @ 3.99 3.99 n/a Calculator
Used Boats  beginning @ 3.99 3.99 n/a Calculator
New  Motorcycles beginning @ 3.99 3.99 n/a Calculator
Used Motorcycles beginning @ 3.99 3.99 n/a Calculator
New  Recreational Vehicle beginning @ 3.99 3.99 n/a Calculator
Used Recreational Vehicle beginning @ 3.99 3.99 n/a Calculator
Lawn & Garden up to $20,000 beginning @ 11.90 8.90 n/a Calculator
Line of Credit/ Overdraft Protection Loan   beginning @ 10.90 10.90 n/a Calculator
Personal Signature Loan 16.90 16.90 n/a Calculator
Guarantor (Cosigner) Loan 16.90 16.90 n/a Calculator
Credit Card- VISA Classic 13.88 13.88 n/a Calculator
Credit Card- VISA "Smart Start " Student VISA 13.88 13.88 n/a Calculator 
Credit Card- VISA Platinum 9.90 9.90 n/a  Calculator
Share Secured Loan 5.00 5.00 60 Calculator
Share Secured Loan 6.00 6.00 120 Calculator
Share Certificate Secured Loan (Share Certificate Rate +3%)    0.00 60  Calculator
Share Certificate Secured Loan (Share Certificate Rate +4%)     0.00 120  Calculator

Mortgages                                                          

       
Home Equity (Closed End)  up to $50,000. with  No Closing cost. *Call credit union for details. 4.95% 4.95% 36 Calculator
Home Equity (Closed End) up to $50,000. with  No Closing cost. *Call credit union for details. 5.95% 5.95% 60 Calculator
Home Equity (Closed End) up to $50,000. with  No Closing cost. *Call credit union for details. 6.95% 6.95% 120 Calculator
Mortgages                                                          
Mortgage- First Mortgage Variable Rate (Residental)

*call for current rates and terms

 
Home Equity Line of Credit 

*call for current rates and terms

 

Loan rate eligibility is based on credit worthiness and income/ employment history. Please contact a loan officer for qualification. Rates are subject to change without notice. Terms may vary on loan amount requested. Some restrictions may apply.

 

 

Loan terms are displayed in months.
*APR= Annual Percentage Rate
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The Credit Union Board of Directors determines regular share and share draft rates. The dividend rate and annual percentage yield may change every month based on the earnings of the credit union. All accounts except term share accounts are variable rate accounts adjusting monthly.  As of 01-01-2009.

 

Savings Dividend Rate APY* Term
Primary (Savings) Share Account 1.99 2.00 n/a
Special (Savings) Share Accounts 1.99 2.00 n/a
Christmas Club Account 1.99 2.00 n/a
Saving Safari Account for Kids 1.99 2.00 n/a

 

*APY= Annual Percentage Yield
Minimum balance in share account to earn dividends is $100.00.
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Certificates Dividend Rate APY* Term
Share Certificate Account - 6 months 3.21  3.25 6
Share Certificate Account - 12 months 3.70 3.75  12
Share Certificate Account - 18 months

3.50

3.55 18
Share Certificate Account - 24 months 3.50 3.55 24
Share Certificate- 24 months Opportunity (One Time Step-up)  3.50

3.55

24
Share Certificate Account - 36 months 3.50 3.55 36
Share Certificate Account - 48 months 3.50 3.55 48
Share Certificate Account- 60 months 3.65 3.70 60
IRA - Passbook 5.87 6.00 n/a
IRA - 12 Month Share Certificate   3.70  3.75 12
IRA - 18 Month Share Certificate 3.50 3.55 18
IRA - 24 Month Step-Up Share Certificate 3.50 3.55 24
IRA - 48 Month Share Certificate 3.50 3.55 48
IRA- 60 Month Share Certificate 3.65 3.70 60

 

*APY= Annual Percentage Yield
Minimum balance to open a share certificate is $1,000.00.  A penalty may be imposed on share certifiates if funds are withdrawn before the maturity date.

#- Members can convert their share certificate rate to a higer rate once during the orginal life of the certificate without a penalty provided that the certificate is renewed for 24 months and the balance of the new certificate is equal to or greater than the opening balance of the orginal certficate.  Rate change option expires on the first maturity date of the share certificate.
IRA passbook accounts are variable rate accounts.
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