Rates

Rates effective as of 02/19/2021.  All Rates Subject to Change.

 

 Savings

Type Minimum Deposit Rate APY*
Savings $25.00 0.25% 0.25%
Checking  $1,000 to earn interest  0.10% 0.10%
Christmas Club 0.25% 0.25%
Vacation Club  0.25% 0.25%
Money Market  $10,000 to earn higher rate of interest  0.70% 0.70%
IRA Savings  2.50% 2.53%

*APY = Annual Percentage Yield

Certificates of Deposit**

Certificates $500.00 $1000.00 $2500.00 $10,000 $25,000
Term Rate APY* Rate APY* Rate APY* Rate APY* Rate APY*
3 Month 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
6 Month 0.60% 0.60% 0.70% 0.70% 0.80% 0.80% 0.80% 0.80% 0.80% 0.80%
12 Month 0.75% 0.75% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90%
24 Month 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90%
36 Month 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90%

 

CD Special Term Rate APY* Details
Youth** 12 Month 0.90% 0.90% Maximum deposit of $10,000 per member

*APY = Annual Percentage Yield

**Interest compounded quarterly.  A penalty may be imposed for early withdrawal on certificates.  IRA funds may be placed in any Certificate of Deposit.

Auto & Recreational Loans

New APR* for A APR* for B APR* for C APR* for D APR* for E
36 Months 1.95% 2.60% 5.50% 9.50% 10.50%
48 Months 2.70% 3.35% 5.75% 10.25% 11.25%
60 Months 2.80% 3.65% 6.50% 10.75% 11.75%

 

2020 – 2021** APR* for A APR* for B APR* for C APR* for D APR* for E
36 Months 2.35% 2.85% 6.00% 10.00% 11.00%
48 Months 2.80% 3.60% 6.75% 10.75% 11.75%
60 Months 2.90% 3.85% 7.00% 11.25% 12.25%

 

2018 – 2019 APR* for A APR* for B APR* for C APR* for D APR* for E
36 Months 2.45% 2.85% 7.00% 11.00% 12.00%
48 Months 2.90% 3.60% 7.05% 11.10% 12.10%
60 Months 2.95% 3.85% 7.10% 11.25% 12.25%

 

2016 – 2017 APR* for A APR* for B APR* for C APR* for D APR* for E
36 Months  2.60% 3.85% 7.00% 11.00% 12.00%
48 Months  2.90% 4.00% 7.50% 11.50% 12.50%
60 Months  3.00% 4.10% 7.75% 11.75% 12.75%

 

2013 – 2015 APR* for A APR* for B APR* for C APR* for D APR* for E
24 Months  2.95% 3.85% 8.00% 12.00% 13.00%
36 Months 3.20% 4.10% 8.25% 12.25% 13.25%
48 Months 3.50% 4.35% 8.50% 12.50% 13.50%

 

2011- 2012 APR* for A APR* for B APR* for C APR* for D APR* for E
24 Months  3.20% 6.35% 9.00% 12.50% 14.75%
36 Months 3.70% 6.45% 9.50% 13.75% 16.75%
48 Months 3.95% 6.60% 10.00% 14.00% 18.00%

 

2010 and older APR* for A APR* for B APR* for C APR* for D APR* for E
12 Months  3.45% 6.60% 8.75% 12.75% 14.75%
24 Months 3.70% 6.85% 9.00% 13.00% 17.00%
36 Months 4.55% 7.10% 10.50% 14.50% 18.00%

*APR = Annual Percentage Rate

**2021 Used more than 6,000 miles

Credit Levels
A  700+
B  650-699
C  600-649
D  550-599
E  up to 549

Line of Credit Loans

Lines of Credit Terms APR* for A APR* for B APR* for C APR* for D APR* for E
Member Select Loan Maximum Term $1,000
$60.00 monthly due on 28th
$100 min advance
6.75% 9.00% 11.50% 12.50% 13.50%
Signature Loan Maximum Term $5,000
Minimum $40.  $3.50 per $100
Due on 28th.  $100 min advance
7.75% 11.00% 16.50% 17.50% 19.00%
Personal Loan 12 Months 5.50% 8.75% 9.75% 10.75% 12.75%
24 Months 6.50% 9.75% 12.75% 13.75% 15.75%
36 Months 7.25% 10.25% 15.25% 16.25% 18.25%
48 Months 8.25% 12.25% 16.25% 17.25% 18.75%
60 Months 9.25% 13.25% 17.25% 18.25% 20.75%

*APR = Annual Percentage Rate

Credit Levels
A  700+
B  650-699
C  600-649
D  550-599
E  up to 549

Secured Loans

Secured Loans Term APR* for A APR* for B APR* for C APR* for D APR* for E
Share Secured 3 Years 100% of balance.  2.50% above earnings.  Coincide with account.
Home Secured 3 Years 4.00% 4.25% 6.00% 6.75% 8.75%
5 Years 4.15% 4.50% 6.25% 7.00% 9.00%
7 Years 4.25% 4.75% 6.50% 8.00% 10.00%
10 Years 4.50% 5.00% 6.75% 8.50% 10.50%

*APR = Annual Percentage Rate

 

Credit Levels
A  700+
B  650-699
C  600-649
D  550-599
E  up to 549