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FEATURED RATES

AUTO PERSONAL SAVINGS CDs

New / Used Autos & Street Bikes (225 CC or Higher)
Effective Date: 01.01.20
Term	Annual Percentage Rate	Sample Payment Amount monthly per $1,000 borrowed based on maximum term
0 - 71 months	2.99% APR	$15.39
72 - 83 months	3.25% APR	$13.47
84 - 95 months	3.50% APR	$12.07
96 - 107 months	4.00% APR	$11.13
108 - 119 months	4.50% APR	$10.61
120 months	5.00% APR	$10.61
APR = Annual Percentage Rate \| The APR you receive is based on your credit worthiness and the term of your loan

Personal Loans - You have dreams, we have money!
Effective Date: 01.01.20
Term	Annual Percentage Rate	Sample Payment Amount monthly per $1,000 borrowed based on maximum term
12 - 36 months	8.25% APR	$31.46
37 - 48 months	9.25% APR	$25.01
49 - 60 months	10.25% APR	$25.00
APR = Annual Percentage Rate \| The APR you receive is based on your credit worthiness and the term of your loan

Savings Rates
Effective Date: 01.01.20
	APY*	Dividend Rate
A minimum balance of $5.00 is required to obtain APY on Savings / Primary Share Accounts \| Rates are subject to change without notice as determined by the Credit Union Board of Directors
Prospective rates for the 1st quarter ending March 31,2020 & posting April 1, 2020are:
Primary Share (savings) Minimum Balance = $5.00	0.01 APY	0.01 APR
Checking / Share Draft	0.00 APY	0.00 APR
Open Share IRA	0.25 APY	0.25 APR
Escrow / Sub Share	0.01 APY	0.01 APR
Premier Business Account \| $10,000 minimum daily balance required	0.10 APY	0.10 APR
*APR = Annual Percentage Rate \| APY = Annual Percentage Yield
Christmas Club	0.01 APY	0.01 APR

Certificate of Deposit Rates
Effective Date: 01.01.20
Term	Min. Deposit	Annual % Yield	Annual % Rate
3 Month	$1,000.00	0.10 APY	0.10 APR
6 Month Money Market	$2,500.00	0.15 APY	0.15 APR
6 Month Youth	$300.00	0.15 APY	0.15 APR
7 Month	$2,500.00	0.18 APY	0.18 APR
9 Month	$2,500.00	0.20 APY	0.20 APR
1 Year	$500.00	0.35 APY	0.35 APR
1 Year Youth	$50 / $5 adds	0.35 APY	0.35 APR
18 Month	$500.00	0.45 APY	0.45 APR
24 Month**	$5,000.00	0.55 APY	0.55 APR
**Your 24 month certificate will not automatically renew if a penalty-free withdrawal taken during the 24 month term has caused the certificate's maturing balance to be less than $5,000. In such case you will have the 10 day grace period to return the balance to the minimum opening balance of $5,000 or the certificate will redeem to your share account.
30 Month	$500.00	0.60 APY	0.60 APR
36 Month	$1,000.00	0.75 APY	0.75 APR
48 Month***	$5,000.00	1.01 APY	1.00 APR
***A one-time increase (bump-up) of the interest rate is allowed during the certificate term. See 48 month Term Share Certifcate disclosure for specific details.
5 Year	$500.00	1.15 APY	1.15 APR
ALL CERTIFICATE RATES subject to change without notice \| Fees may reduce the earnings on account \| Early withdrawal penalty will or may be imposed