Rates effective as of 01/16/2019. All Rates Subject to Change.
Savings
| Type | Minimum Deposit | Rate | APY* |
| Savings | $25.00 | 0.40% | 0.40% |
| Checking | $1,000 to earn interest | 0.15% | 0.15% |
| Christmas Club | 0.40% | 0.40% | |
| Vacation Club | 0.40% | 0.40% | |
| Money Market | $10,000 to earn higher rate of interest | 1.50% | 1.51% |
| IRA Savings | 2.75% | 2.78% |
*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 | 0.60% | 0.60% | 0.70% | 0.70% | 0.80% | 0.80% | 0.80% | 0.80% | 0.80% | 0.80% |
| 6 Month | 0.60% | 0.60% | 0.70% | 0.70% | 0.80% | 0.80% | 0.90% | 0.90% | 0.90% | 0.90% |
| 12 Month | 0.75% | 0.75% | 0.90% | 0.90% | 1.85% | 1.86% | 2.50% | 2.52% | 2.50% | 2.52% |
| 24 Month | 1.00% | 1.00% | 1.00% | 1.00% | 2.05% | 2.06% | 2.60% | 2.62% | 2.60% | 2.62% |
| 36 Month | 1.00% | 1.00% | 1.00% | 1.00% | 2.10% | 2.11% | 2.70% | 2.72% | 2.70% | 2.72% |
| CD Special | Term | Rate | APY* | Details |
| Youth** | 12 Month | 1.85% | 1.86% | 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 Loans
| New Auto | APR* for A | APR* for B | APR* for C | APR* for D | APR* for E |
| 36 Months | 3.15% | 3.50% | 5.50% | 9.50% | 10.50% |
| 48 Months | 3.90% | 4.25% | 5.75% | 10.25% | 11.25% |
| 60 Months | 4.00% | 4.55% | 6.50% | 10.75% | 11.75% |
| Program Cars | APR* for A | APR* for B | APR* for C | APR* for D | APR* for E |
| 36 Months | 3.55% | 3.75% | 6.00% | 10.00% | 11.00% |
| 48 Months | 4.00% | 4.50% | 6.75% | 10.75% | 11.75% |
| 60 Months | 4.10% | 4.75% | 7.00% | 11.25% | 12.25% |
| 2016 – 2018 | APR* for A | APR* for B | APR* for C | APR* for D | APR* for E |
| 36 Months | 3.65% | 3.75% | 7.00% | 11.00% | 12.00% |
| 48 Months | 4.10% | 4.50% | 7.05% | 11.10% | 12.10% |
| 60 Months | 4.15% | 4.75% | 7.10% | 11.25% | 12.25% |
| 2014 – 2015 | APR* for A | APR* for B | APR* for C | APR* for D | APR* for E |
| 36 Months | 3.80% | 4.75% | 7.00% | 11.00% | 12.00% |
| 48 Months | 4.10% | 4.90% | 7.50% | 11.50% | 12.50% |
| 60 Months | 4.15% | 5.00% | 7.75% | 11.75% | 12.75% |
| 2011 – 2013 | APR* for A | APR* for B | APR* for C | APR* for D | APR* for E |
| 24 Months | 4.15% | 4.75% | 8.00% | 12.00% | 13.00% |
| 36 Months | 4.40% | 5.00% | 8.25% | 12.25% | 13.25% |
| 48 Months | 4.65% | 5.25% | 8.50% | 12.50% | 13.50% |
| 2009- 2010 | APR* for A | APR* for B | APR* for C | APR* for D | APR* for E |
| 24 Months | 4.15% | 7.25% | 9.00% | 12.50% | 14.75% |
| 36 Months | 4.65% | 7.35% | 9.50% | 13.75% | 16.75% |
| 48 Months | 4.90% | 7.50% | 10.00% | 14.00% | 18.00% |
| 2008 and older | APR* for A | APR* for B | APR* for C | APR* for D | APR* for E |
| 12 Months | 4.40% | 7.50% | 8.75% | 12.75% | 14.75% |
| 24 Months | 4.65% | 7.75% | 9.00% | 13.00% | 17.00% |
| 36 Months | 5.50% | 8.00% | 10.50% | 14.50% | 18.00% |
*APR = Annual Percentage Rate
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% | |
| Done in 10** | 4.25% | 5.00% | 6.00% | 7.00% | 8.00% | |
*APR = Annual Percentage Rate
**Refinances of current mortgages and home equity loans with no cash out, member pays appraisal, title search, flood certification and recording fees, property insurance is required, owner occupied dwelling in Iowa.
Credit Levels
A 700+
B 650-699
C 600-649
D 550-599
E up to 549
