Share Rates

Effective as of 04/01/2022. You can also download our current deposit/share rates in PDF format.

Cash Rewards Learn More

Balance Minimum to Open APY
0 - $10,000 $25 1.00%
Amounts over $10,000 $25 0.12%1
All balances if qualifications not met $25 0.01%

APY = Annual Percentage Yield.

Blended rate calculated based on $100,000 above 1st tier

Checking Learn More

Account Minimum to Open
Standard Checking $25
Simple Checking $25

Cash / Cash Back Saver Learn More

Balance Minimum to Open APY
0 - $15,000 None 0.50%
Amounts over $15,000 None 0.15%1

Blended rate calculated based on $100,000 above 1st tier

Personal Savings Learn More

Account Deposit to Open Minimum Balance to earn APY Rate APY
Regular Share Savings Account $5.00 $5 0.10% 0.10%

Special Savings/Holiday Club

$0.01 $5 0.10% 0.10%
IRA Money Market $0.01 $0.01 0.40% 0.40%
Money Market Plus Account $2,500.00 $2,500.00 - $25,000.00
$25,000.01 - $50,000.00
$50,000.01 - $100,000.00
$100,000.01 and Above
0.40%
0.40%
0.45%
0.45%
0.40%
0.40%
0.45%
0.45%

APY = Annual Percentage Yield.

Youth Accounts Learn More

Account Deposit to Open Minimum Balance to earn APY Rate APY
Cash Critters Club for Kids $5.00 $5.00 1.00% 2 0.40%3

2 1% dividend rates applies to dollars $0 to $500. Regular dividend rate applies to amounts over $500.

Blended rate calculated based on $1,000 above $500

APY = Annual Percentage Yield.

Share Certificates Learn More

Name Term Minimum Balance to earn APY Rate APY
3 Month Regular Certificates 3 Months $1,000.00 0.40% 0.40%
6 Month Regular & IRA Certificates 6 Months  $1,000.00  0.45% 0.45%
1 Year Regular & IRA Certificates 1 Years  $1,000.00  0.55% 0.55%
2 Year Regular & IRA Certificates 2 Years $1,000.00 0.55% 0.55%
3 Year Regular & IRA Certificates 3 Years  $1,000.00  0.70% 0.70%
4 Year Regular & IRA Certificates 4 Years  $1,000.00  0.80% 0.80%
5 Year Regular & IRA Certificates 5 Years  $1,000.00  0.90% 0.90%
Regular & IRA Accumulator Certificates 18 Months  $250.00  0.55% 0.55%

APY = Annual Percentage Yield.

Business Rates

Effective as of 04/01/2022.

Business Checking Learn More

Name Deposit to Open
Business Checking $100.00
Commercial Checking $100.00

Business Savings Learn More

Name Deposit to Open Minimum Balance to earn APY Rate APY
Regular Shares $5.00 $250.00 0.10% 0.10% ¹
Commercial Money Market Account $1,500.00 $0.01 - $25,000.00
$25,000.01 - $50,000.00
$50,000.01 - $100,000.00
$100,000.01 and above
0.40%
0.40%
0.45%
0.45%
0.40% ²
0.40% ²
0.45% ²
0.45% ²

1. Rate Information. The most recently declared dividend rate and annual percentage yield are listed in the table above. The dividend rate and annual percentage yield may change every month as determined by the credit union board of directors.

Compounding and Crediting. Dividends will be compounded and paid monthly. If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum Balance Requirements. The minimum balance required to open an account and to obtain the disclosed APY are listed above.

Balance Computation Method. Dividends on Regular Share and Holiday Club are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Earnings Credit Calculation: The earnings credit is derived by taking the average collected balance times the number of days in the month times the earnings credit rate divided by the number of days in the year, minus the average uncollected balance times the number of days in the month times the uncollected funds rate divided by the number of days in the year, minus any monthly fees. The earnings credit rate is based on the Premier checking account rate plus .10%. The uncollected funds rate is based on CitiGroup Prime + 2% as listed in the Wall Street journal as of the 25th of the preceding month. If the calculation result is negative, it will be posted as a fee and deducted from your account on the first day of the following month.

Accrual of Dividends. Dividends for the appropriate accounts will begin to accrue on the business day you deposit cash and/or non-cash items (e.g. checks) to your account.

Fees and Charges. The fees and charges that may be assessed against your account are listed on appropriate fee schedule.

Transaction Limitations. Withdrawals and transfers from your Accounts are subject to the following limits:

  1. Transfers from your Regular Share Accounts through MATT (Member Access Telephone Teller), Online Banking, telephone transfers, preauthorized transfers and transfer to the Checking Account to cover drafts are currently not limited to a number of transfers per month.
  2. Withdrawals through the ATM/POS Networks may be limited to $300 per day.
  3. Over the Counter Cash Withdrawals and Withdrawals through ATM may be limited to $1,000 per day.
  4. Withdrawals may be limited if your loan(s) with the Credit Union are delinquent.
  5. The Credit Union reserves the right to require a member intending to make a withdrawal from a Regular Share Account to give written notice of such intent not less than seven days and up to 60 days before such withdrawal.

Par Value of Shares; Dividend Period. The par value of a regular share in this Credit Union is $5.00. The dividend period of the Credit Union is monthly.

Nature of Dividends. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

2. Rate Information. The dividend rate and annual percentage yield are listed in the table below. The dividend rate and annual percentage yield may change every month as determined by the credit union board of directors.

Compounding and Crediting. Dividends will be compounded and paid monthly. If you close your account before dividends are normally paid, any accrued dividends will be posted to your account prior to closure.

Minimum Balance Requirements. The minimum balance required to open an account and to obtain the disclosed APY are listed above.

Balance Computation Method. Dividends on the Commercial Money Market Accounts are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Accrual of Dividends. Dividends will begin to accrue on the business day you deposit cash and/or non-cash items (e.g. checks) to your account.

Fees and Charges. The fees and charges that may be assessed against your account are listed on the fee schedule.

Transaction Limitations. Withdrawals and transfers from your Accounts are subject to the following limits:

  1. Transfers from your Commercial Money Market Account through MATT (Member Access Telephone Teller), telephone transfers and preauthorized transfers are currently not limited to a number of transfers per month.
  2. Withdrawals through the ATM Networks may be limited to $300 per day.
  3. Over the Counter Cash Withdrawals and Withdrawals through ATM may be limited to $1,000 per day.
  4. Withdrawals may be limited if your loan(s) with the Credit Union are delinquent.
  5. The Credit Union reserves the right to require a member intending to make a withdrawal from a Regular Share Account to give written notice of such intent not less than seven days and up to 60 days before such withdrawal.

Par Value of Shares; Dividend Period. The par value of a regular share in this Credit Union is $5.00. The dividend period of the Credit Union is monthly.

Nature of Dividends. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Loan Rates

Current Rates (as of 06/28/2022). You can also download our current loan rates in PDF format.

Vehicle Loans Learn More

Loan Term APR as low as
New/Used Auto Loan Up to 36 Months 36 Months 2.740%
New/Used Auto Loan 37-48 Months 48 Months 2.990%
New/Used Auto Loan 49-72 Months 72 Months 3.240%
New Auto Loan 73-84 Months 84 Months 3.490%
New Boat/RV up to 120 Months 120 Months 7.000%
Used Boat/RV up to 84 Months 84 Months 6.750%
New Motorcycle up to 60 Months 60 Months 5.990%
Used Motorcycle up to 60 Months 60 Months 6.750%

Home Equity Learn More

Loan APR as low as Minimum Loan Amount Maximum Loan Amount
HELOC (Interest Only) 5.0000% 1 $10,000.00 $500,000.00
HELOC (Principal & Interest) 4.750% 1 $10,000.00 $500,000.00
6 to 20-Year Home Equity Loan 6.000% $10,000.00 $500,000.00

1Rates available as low as Prime (currently 4.750% ) for owner-occupied properties only. Additional rates and terms are available; rates‚ terms and conditions may vary based on creditworthiness and qualifications and are subject to change. Subject to credit and property approval. Maximum loan amounts up to $500‚000 but will be based on the amount of equity available‚ up to 95% of the appraised value of the property. Closing costs vary and will depend on the location of the property and the amount of the loan. Property insurance is‚ and flood insurance may be‚ required. Consult your tax advisor regarding the deductibility of interest. Rates and APRs are subject to change without notice.

Consumer Loans Learn More

Loan APR as low as  Minimum Loan Amount
Kwik Kash Line of Credit 9.000% 2 N/A
Signature Loan 8.000% N/A
Student Plus First Car Loan 4.490% 3 N/A

2Annual Percentage Rate. Loan rates shown are the lowest rate for the product advertised.

3Loans to Student Plus members require signature of a parent or legal guardian as co-applicant. Student Plus member must be employed and have at least a 3.0 GPA to qualify for discount. Student Plus member and parent must bring proof of income.

Mortgage Loans Learn More

Loan Type Loan Amount Rate as low as* APR as low as Discount Points
30 Yr Fixed $400,000 6.000%
5.750%
6.019%
5.860%
0.000
1.000
15 Yr Fixed $400,000 5.125%
4.875%
5.155%
5.056%
0.000
1.000
FHA/VA 30 Yr Fixed $400,000 CALL
CALL
CALL
CALL
0.000
1.000
5/6mo ARM $400,000 4.875%
4.625%
4.892%
4.728%
0.000
1.000
7/6mo ARM $400,000 5.250%
5.000%
5.268%
5.105%
0.000
1.000
10/6mo ARM $400,000 5.625%
5.375%
5.643%
5.482%
0.000
1.000

*Rates are based on evaluation of credit history, 80% loan-to-value, and loan term, so your rate may differ. Rates subject to change at any time.