Rates effective March 18, 2014

The rates appearing in this Schedule are accurate as of the Effective Date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

APY = Annual Percentage Yield. Fees may reduce earnings.

Share Rates

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Free Rewards Checking

TierLevelLow BalanceHigh BalanceAPY
1A$ -$10,000.005.09%
1B$ -$10,000.004.09%
1C$ -$10,000.003.09%
22$10,000.01$25,000.000.20%
33$25,000.01$ -0.10%

Rewards Checking. The Rewards Checking account is a Tiered Rate account (see chart below). If your Daily Balance is $10,000.00 or below AND you meet all of the all basic service requirements during the calendar month, the applicable Tier 1 Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. The basic service requirements include: a) you make twelve (12) PINless card transactions (any transaction that does not require a PIN) that post to and clear your Reward Checking account; b) you access Online Banking at least once; c) you receive e-Documents (must have enrolled and accepted the disclosure; and d) you have a direct deposit or ACH debit (including Bill Payment) post to and clear your Reward Checking account. You will earn the Tier 1-A Dividend Rate and Annual Percentage Rate on balances of $10,000.00 or less if you meet the basic service requirements and have $1,000 in credit card purchase transactions during the period beginning on the 28th day of the prior calendar month and ending on the 27th day of the current calendar month. You will earn the Tier 1-B Dividend Rate and Annual Percentage Rate on balances of $10,000.00 or less if you meet the basic service requirements and have 12 credit card purchase transactions during the period beginning on the 28th day of the prior calendar month and ending on the 27th day of the current calendar month. You will earn the Tier 1-C Dividend Rate and Annual Percentage Rate on balances of $10,000.00 or less if you meet the basic service requirements but do not meet either of the credit card transaction criteria required to earn a higher rate. The Tier 2 Dividend Rate and range of Annual Percentage Yields listed for this account will apply to balances of $10,000.01 to $24,999.99 if you meet all of the basic service requirements. The Tier 3 Dividend Rate and range of Annual Percentage Yields listed for this account will apply to balances of $25,000.00 or greater if you meet all of the basic service requirements. The rates applicable to Tiers 1, 2 and 3 will apply only to that portion of the account balance within each balance range. When you meet all of the basic service requirements for the calendar month, ATM fees incurred during the month will be refunded to you.

If you fail to meet any of the basic service requirements during a calendar month, you will earn 0.01% Annual Percentage Yield for this account and your ATM fees will NOT be refunded.

One Rewards Checking account is allowed per member. Business accounts are not eligible for rewards. Qualifying credit card transactions must be made using a Consumers Credit Union-issued card. Credit Card cash advances and balance transfers do not count towards credit card purchases.

Savings

AccountMinimum Opening DepositRateAPY
Membership Share Savings$50.05%0.05%
Special Share Savings$50.05%0.05%
Safe Advantage Savings$5
Christmas Club Savings$50.25%0.25%
IRA Savings$100.25%0.25%

Money Market Accounts

Money Market

Minimum Balance to Earn APYRateAPY
$00.00%0.00%
$2,0000.10%0.10%
$20,0000.15%0.15%
$40,0000.20%0.20%
$70,0000.25%0.25%
$100,0000.30%0.30%

IRA Money Market

Minimum Balance to Earn APYRateAPY
$00.00%0.00%
$2,0000.10%0.10%
$20,0000.15%0.15%
$40,0000.20%0.20%
$70,0000.25%0.25%
$100,0000.30%0.30%

Certificates

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Certificate Accounts / IRA Certificate Accounts

TermMinimumRateAPY
91 Day$2500.05%0.05%
180 Day$2500.10%0.10%
7 Months$2500.10%0.10%
8 Months$2500.10%0.10%
9 Months$2500.10%0.10%
10 Months$2500.10%0.10%
11 Months$2500.10%0.10%
1 Year$2500.15%0.15%
15 Months$2500.15%0.15%
16 Months$2500.15%0.15%
18 Months$2500.15%0.15%
20 Months$2500.20%0.20%
22 Months$2500.25%0.25%
2 Years$2500.30%0.30%
30 Months$2500.35%0.35%
3 Years$2500.45%0.45%
45 Months$2500.60%0.60%
4 Years$2500.70%0.70%
59 Months$2500.80%0.80%
5 Years$2501.59%1.60%

Jumbo Certificate Accounts / Jumbo IRA Certificate Accounts

TermMinimumRateAPY
75 Day$100,000n/an/a
7 Months$100,0000.35%0.35%
8 Months$100,0000.35%0.35%
9 Months$100,0000.35%0.35%
10 Months$100,0000.35%0.35%
11 Months$100,0000.35%0.35%
1 Year$100,0000.40%0.40%
15 Months$100,0000.40%0.40%
16 Months$100,0000.40%0.40%
18 Months$100,0000.40%0.40%
20 Months$100,0000.45%0.45%
22 Months$100,0000.50%0.50%
2 Years$100,0000.55%0.55%
30 Months$100,0000.60%0.60%
3 Years$100,0000.70%0.70%
45 Months$100,0000.85%0.85%
4 Years$100,0000.95%0.95%
59 Months$100,0001.05%1.05%
5 Years$100,0001.84%1.85%

Loans

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Auto Loans

LoanTerms & ConditionsTermAPR as low as
New and Used Cars, Trucks, and VansPurchase or Refinance 2008 – 2014, The year of the vehicle will determine the term of the loan36 months1.74%
48 months1.74%
60 months2.24%
72 months2.49%
84 months4.19%

Other Motor Vehicle Loans

LoanTerms & ConditionsTermAPR as low as
New and Used MotorcyclesPurchase or Refinance 2008 – 2014, The year of the motorcycle will determine the term of the loan60 months or less5.49%
New/Used Motor homes, Campers, Travel Trailers & BoatsPurchase or Refinance 2008 – 201460 months4.15%
120 months7.74%
180 months8.24%

Secured / Collateralized Loans

TermAPR as low as
36 months7.24%
48 months7.74%
60 months8.24%
72 months8.74%
84 months9.24%

Other Personal Loans

TypeTerms & ConditionsTermAPR as low as
Signature (Unsecured)11.24%
Share Secured2% over pledged Share/Savings instrumentVariable
Commercial Secured VehiclesUp to 36 months6.25%
37 months or greater6.75%

First Mortgages

TermAPR
Fixed Rate - Multiple term optionsCall or Click here for rates
Adjustable Rate (ARM) - 3, 5, & 7 yearsCall or Click here for rates

Home Equity Loan

Loan to Value (LTV)5 Year Term (APR)10 Year Term (APR)15 Year Term (APR)20 Year Term (APR)
80% LTV4.99%5.49%6.49%6.99%
90% LTV8.99%9.74%10.74%10.99%
100% LTV9.99%10.74%11.74%n/a

Home Equity Line of Credit (HELOC)

80% LTV**90% LTV**100% LTV
For Credit Lines $5,000 and GreaterPrimePrime + 2.25%Prime + 3.75%

Visa Cards

TypeTermAPR as low as*
VISA® PlatinumVariable Rate with No Annual Fee9.70%
VISA® Platinum RewardsVariable Rate with No Annual Fee11.70%
VISA® SignatureVariable Rate with No Annual Fee11.99%
VISA® Share SecuredVariable Rate with No Annual Fee17.70%

All loan requests are subject to Loan Review Committee and Guidelines. This rate schedule sets forth certain conditions and rates applicable to your accounts at the Credit Union at this time. The Credit Union may offer other rates or amend rates contained in this schedule from time to time. All rates and terms are subject to change without notice. Rates shown are the lowest rates offered for the products advertised. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. For all variable rate loans, the APR may change after consummation. Additional fees may apply to some loans. Contact the CU for full loan disclosure information specific to your loan. HELOC's have a floor rate of 4.00%

* Not all applicants will qualify for our fixed base rate. Your rate is determined by your credit history. Rates listed include all discounts of 0.75% APR, for an additional 0.25% APR reduction apply online today. VISA, variable, overdraft protection, real estate, share secured and existing CCU loans are excluded from any rate reductions.

** Interest Only Payments Allowed