Personal Rates

Rates Effective: January 1, 2020

To receive the APY, you must meet the following requirements: 1) Have at least 15 debit card purchases post and clear during the calendar month; 2) Be enrolled in E-Statements; 3) Have no loans that are 15 or more days past due. A Membership Savings with a $5 minimum balance is required to earn APY. The dividend rate and APY may change at any time as determined by the Credit Union’s Board of Directors. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month. Dividends will be compounded monthly and will be credited to the account monthly.  Fees may reduce earnings.

Rates Effective: January 1, 2020

Minimum Opening Deposit: $5
The dividend rate and APY may change at any time as determined by the Credit Union’s Board of Directors. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month. Dividends will be compounded quarterly and will be credited to the account quarterly except for the Annual Savings.  Fees may reduce earnings.

Federal regulation limits savings to six transfers or withdrawals per month if by check, point of sale, debit card, pre-authorized, automatic, telephone, or computer transfer. Items presented for payment that exceed the transaction limitations will be denied.

*Dividend calculations for Annual Savings compounded annually (Sep. 30) and credited annually (Sep.30).

Rates Effective: January 1, 2020

Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period.  The dividend period is the period of time at the end of which an account earns dividend credit.  The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month.  Dividends will be compounded monthly.  At account opening, you may choose to have accrued dividends transferred to your savings or checking account.  Penalties may apply for early withdrawals.  The withdrawal penalty for all term share certificates will be 4% of the amount withdrawn.

*Annual Percentage Yield

** Pathfinder accounts are for members below 18 years of age.

***18 Month – Bump Rate Term Share Certificate: Prior to the Maturity Date of your Account, you may make a single request to increase the dividend rate that is paid on your account to the rate this is commensurate with the divided rate then being paid on a comparable account having the same term to maturity as your original account.

Rates Effective: January 1, 2020

Minimum Opening Deposit: $10.00

The dividend rate and APY may change at any time as determined by the Credit Union’s Board of Directors. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month. Dividends will be compounded quarterly and will be credited to the account quarterly.

Federal regulation limits savings accounts to six transfers or withdrawals per month if by check, point of sale debit card, pre-authorized, automatic, telephone or computer transfer. Items presented for payment that exceed the transaction limitations will be denied.

Rates Effective: January 1, 2020

Call or stop by your local branch for current account disclosures. The above rates include a 0.50% discount for having Recurring Automatic or ACH Payment Set-up.

The Annual Percentage Rate you receive for the above loans is based on certain credit-worthiness criteria. Your rate will be set at the time of each loan and will be disclosed on the loan agreement and disclosures. Rates are subject to change at any time. A credit union representative will disclose any rate discounts or additions that may apply. Filing Fees: You will be charged a lien filing fee at the time of the loan if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain lien on your property.

A new Power Sport Vehicle is a vehicle model year 2020 or newer, or a vehicle not previously titled.

Minimum manufacturer’s suggested retail price $25,000.00 for 73 – 84 Month Terms.

Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.

Rates Effective: January 1, 2020

Call or stop by your local branch for current account disclosures. The above rates include a 0.50% discount for having Recurring Automatic or ACH Payment Set-up.

The Annual Percentage Rate you receive for the above loans is based on certain credit-worthiness criteria. Your rate will be set at the time of each loan and will be disclosed on the loan agreement and disclosures. Rates are subject to change at any time. A credit union representative will disclose any rate discounts or additions that may apply. Filing Fees: You will be charged a lien filing fee at the time of the loan if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain lien on your property.

Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.