Rates effective March 28, 2017.

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.


Free Rewards Checking

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Level Tier(s) Low Balance High Balance APY
1 A $ - $20,000.00 4.59%
1 B $ - $15,000.00 3.59%
1 C $ - $10,000.00 3.09%
2 C, B & A $10,000.01 $15,000.01 $20,000.01 $25,000.00 0.20%
3 C, B & A $25,000.01 $ - 0.10%

CCU’s Free Rewards Checking account is a tiered rate account (see chart above).

Please see all terms and conditions on qualifying rate tiers.

One Rewards Checking account is allowed per Member. Business accounts are not eligible for rewards.

Savings

Account Minimum Opening Deposit Rate APY
Membership Share Savings $5 0.05% 0.05%
Special Share Savings $5 0.05% 0.05%
Safe Advantage Savings $5    
Christmas Club Savings $5 0.25% 0.25%
IRA Savings $10 0.25% 0.25%

Money Market Accounts

Money Market

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Minimum Balance to Earn APY Rate APY
$0 0.00% 0.00%
$2,000 0.10% 0.10%
$20,000 0.15% 0.15%
$40,000 0.20% 0.20%
$70,000 0.25% 0.25%
$100,000 0.30% 0.30%

IRA Money Market

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Minimum Balance to Earn APY Rate APY
$0 0.00% 0.00%
$2,000 0.10% 0.10%
$20,000 0.15% 0.15%
$40,000 0.20% 0.20%
$70,000 0.25% 0.25%
$100,000 0.30% 0.30%

Certificate Accounts / IRA Certificate Accounts

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Term Minimum Rate APY
91 Day $250 0.05% 0.05%
180 Day $250 0.10% 0.10%
7 Months $250 0.10% 0.10%
8 Months $250 0.10% 0.10%
9 Months $250 0.10% 0.10%
10 Months $250 0.10% 0.10%
11 Months $250 0.10% 0.10%
1 Year $250 0.15% 0.15%
15 Months $250 0.15% 0.15%
16 Months $250 0.15% 0.15%
18 Months $250 0.75% 0.75%
20 Months $250 0.20% 0.20%
22 Months $250 0.25% 0.25%
2 Years $250 0.30% 0.30%
30 Months $250 0.35% 0.35%
3 Years $250 0.45% 0.45%
45 Months $250 0.60% 0.60%
4 Years $250 1.39% 1.40%
59 Months $250 0.80% 0.80%
5 Years $250 1.59% 1.60%

Please note, early withdrawal penalty may be applied. We may impose a penalty if you withdraw from your account before the maturity date.

Jumbo Certificate Accounts / Jumbo IRA Certificate Accounts

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Term Minimum Rate APY
7 Months $100,000 0.35% 0.35%
8 Months $100,000 0.35% 0.35%
9 Months $100,000 0.35% 0.35%
10 Months $100,000 0.35% 0.35%
11 Months $100,000 0.35% 0.35%
1 Year $100,000 0.40% 0.40%
15 Months $100,000 0.40% 0.40%
16 Months $100,000 0.40% 0.40%
18 Months $100,000 1.00% 1.00%
20 Months $100,000 0.45% 0.45%
22 Months $100,000 0.50% 0.50%
2 Years $100,000 0.55% 0.55%
30 Months $100,000 0.60% 0.60%
3 Years $100,000 0.70% 0.70%
45 Months $100,000 0.85% 0.85%
4 Years $100,000 1.64% 1.65%
59 Months $100,000 1.05% 1.05%
5 Years $100,000 1.84% 1.85%
Please note, early withdrawal penalty may be applied. We may impose a penalty if you withdraw from your account before the maturity date.

Auto Loans

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Loan Terms & Conditions Term APR as Low as Payment Example for a $1,000
New and Used Cars, Trucks, and Vans Purchase or Refinance 2011 – 2017, The year of the vehicle will determine the term of the loan 36 months 1.74%* $28.53 Monthly Payment
New and Used Cars, Trucks, and Vans Purchase or Refinance 2011 – 2017, The year of the vehicle will determine the term of the loan 48 months 1.74%* $21.58 Monthly Payment
New and Used Cars, Trucks, and Vans Purchase or Refinance 2011 – 2017, The year of the vehicle will determine the term of the loan 60 months 2.24%* $17.63 Monthly Payment
New and Used Cars, Trucks, and Vans Purchase or Refinance 2011 – 2017, The year of the vehicle will determine the term of the loan 72 months 2.49%* $14.97 Monthly Payment
New and Used Cars, Trucks, and Vans Purchase or Refinance 2011 – 2017, The year of the vehicle will determine the term of the loan 84 months 4.19%* $13.76 Monthly Payment
*Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed above include applicable discounts of 0.75% APR, for details please ask a CCU Rep. VISA, variable, overdraft protection, real estate, share secure and existing CCU loans are excluded from any rate deductions.

Other Motor Vehicles

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Loan Terms & Conditions Term APR as Low as
New and Used Motorcycles Purchase or Refinance 2011 or newer, The year of the motorcycle will determine the term of the loan 60 months or less 5.49%
New/Used Motor homes, Campers, Travel Trailers & Boats Purchase or Refinance 2011 or newer 60 months 4.15%
New/Used Motor homes, Campers, Travel Trailers & Boats Purchase or Refinance 2011 or newer 120 Months 7.74%
New/Used Motor homes, Campers, Travel Trailers & Boats Purchase or Refinance 2011 or newer 180 months 8.24%
*Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed above include applicable discounts of 0.75% APR, for details please ask a CCU Rep. VISA, variable, overdraft protection, real estate, share secure and existing CCU loans are excluded from any rate deductions.

Secured / Collateralized Loans

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Term APR as Low as
36 months 7.24%
48 months 7.74%
60 months 8.24%
72 months 8.74%
84 months 9.24%
*Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed above include applicable discounts of 0.75% APR, for details please ask a CCU Rep. VISA, variable, overdraft protection, real estate, share secure and existing CCU loans are excluded from any rate deductions.

Other Personal Loans

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Type Terms & Conditions Term APR as Low as
Signature (Unsecured)     11.24%
Share Secured 2% over pledged Share/Savings instrument   Variable
Commercial Secured Vehicles   Up to 36 months 6.25%
Commercial Secured Vehicles   37 months or greater 6.75%
*Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed above include applicable discounts of 0.75% APR, for details please ask a CCU Rep. VISA, variable, overdraft protection, real estate, share secure and existing CCU loans are excluded from any rate deductions.

First Mortgages

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Term APR
Fixed Rate - Multiple term options Call or Click above for rates
Adjustable Rate (ARM) - 3, 5, & 7 years Call or Click above for rates

Home Equity Loan

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Loan to Value (LTV) 5 Year Term (APR) 10 Year Term (APR) 15 Year Term (APR) 20 Year Term (APR)
80% LTV 4.25% 4.75% 5.49% 5.49%
90% LTV 4.25% 4.75% 5.49% 5.49%
100% LTV 4.25% 4.75% 5.49% N/A
*Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed above include applicable discounts of 0.75% APR, for details please ask a CCU Rep. VISA, variable, overdraft protection, real estate, share secure and existing CCU loans are excluded from any rate deductions.

Home Equity Line of Credit (HELOC)

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80% CLTV** 90% CLTV** 100% CLTV
Prime Prime + 2.25% Prime + 3.75%
*Intro rate as low as 1.99%APR for the first 12 months of home equity line of credit loans is currently offered.  This promotional intro rate is "as low as" and is good for the first 12 months from the time the line of credit is made available to the borrower.  Intro rate is based on credit worthiness and combined loan-to-value (CLTV).  Thereafter, the APR will vary monthly based on the prime rate (as published in the Wall Street Journal) plus a margin, or 4.0%APR, whichever is higher, with a maximum APR not to exceed 21%. Rates and promotional terms subject to change and may be discontinued without notice.

** Interest Only Payments Allowed 

Visa Cards

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Type Term APR as Low as*
VISA® Platinum Variable Rate with No Annual Fee 10.20%
VISA® Platinum Rewards Variable Rate with No Annual Fee 12.20%
VISA® Signature Variable Rate with No Annual Fee 12.49%
VISA® Share Secured Variable Rate with No Annual Fee 18.20%

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