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Risk-Based | Savings | Certificates
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FIXED RATE LOANS: When the *Annual Percentage Rate you select is a Fixed Rate, this is the interest rate you will pay for the life of the sub-account unless you are notified under the "Change in Terms" provision of your Open End Credit Plan Agreement. The payment, once determined, does not change as the outstanding balance declines. If the outstanding balance is less than the stated payment, then the monthly payment is the full balance plus interest to date.
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New Vehicles
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Credit Rating
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A
APR*
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B
APR*
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C
APR*
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D
APR*
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60 months
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5.90
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7.90
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12.90
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14.90
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61 - 72 months
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6.15%
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8.15%
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13.15%
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15.15%
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Used Vehicles
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Credit Rating
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A
APR*
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B
APR*
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C
APR*
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D
APR*
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60 months
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7.90
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9.90
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14.90
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16.90
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Overdraft Protection
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Credit Rating
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A
APR*
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B
APR*
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C
APR*
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D
APR*
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36 months
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18.00%
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18.00%
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18.00%
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18.00%
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Signature: $ 500.00 or less
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Credit Rating
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A
APR*
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B
APR*
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C
APR*
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D
APR*
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6 months
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10.00%
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12.00%
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17.00%
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18.00%
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Signature: $ 501.00 - $ 1,000.00
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Credit Rating
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A
APR*
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B
APR*
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C
APR*
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D
APR*
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12 months
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10.00%
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12.00%
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17.00%
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18.00%
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Signature: $ 1,001.00 - $ 2,000.00
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Credit Rating
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A
APR*
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B
APR*
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C
APR*
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D
APR*
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24 months
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10.00%
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12.00%
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17.00%
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18.00%
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Signature: $ 2,001.00 - and over
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Credit Rating
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A
APR*
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B
APR*
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C
APR*
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D
APR*
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36 months
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10.00%
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12.00%
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17.00%
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18.00%
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Consumer Goods
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Credit Rating
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A
APR*
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B
APR*
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C
APR*
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D
APR*
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36 months
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9.00%
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11.00%
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16.00%
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18.00%
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Certificate of Deposit Secured
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Credit Rating
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A
APR*
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B
APR*
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C
APR*
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D
APR*
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Maturity Date of Certificate
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2.0% Above
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2.0% Above
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2.0% Above
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2.0% Above
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All Except Certificates of Deposits
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Credit Rating
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A
APR*
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B
APR*
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C
APR*
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D
APR*
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36 months
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2.0% Above
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2.0% Above
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2.0% Above
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2.0% Above
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37 - 60 months
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4.0% Above
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4.0% Above
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4.0% Above
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4.0% Above
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*APR = Annual Percentage Rate
One percent discount for share draft accounts except Share Secured Loans & Overdraft Protection Loans.
Loans will be dicounted by one percent below the disclosed APR if member has share draft account at time of advance. Required share deposit of $100.00 offered as security must remain on deposit until the advance is paid in full. Failure to do so may result in default under the plan. The APR charged is subject to the State's interest rate limitations.
Late Payments: After ten days, 05% of payment amount, not to exceed $50.00.
Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.
Go To Loan Application | Go To Calculators | Back to Top
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Savings
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Minimum Balance
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Dividend Rate
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APY*
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Term
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Shares
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$ 25.00
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1.000
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1.004
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n/a
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Checking
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$ 25.00
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0.500
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0.500
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n/a
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EMMA
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$ 25.00
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0.000
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n/a
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Christmas Club
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$ 25.00
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0.500
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0.500
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n/a
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Certificates
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Minimum Deposit
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Interest Rate
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APY*
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Term
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1 year: $ 500.00 - $49,999.99
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$500.00
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2.25
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2.27
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12
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1 year: $ 50,000.00 – $74,999.99
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$ 50,000.00
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2.50
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2.52
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12
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1 year: $ 75,000.00 – $99,999.99
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$ 75,000.00
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2.60
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2.63
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12
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1 year: $ 100,000.00 or more
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$100,000.00
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2.75
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2.78
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12
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IRAs
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n/a
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4.250
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4.320
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n/a
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