Rates
Loan Rates
New / Used Autos & Street Bikes (225 CC or Higher) | ||
Effective Date: Wednesday, October 8th, 2025 | ||
Term | Annual Percentage Rate | Sample Payment Amount monthly per $1,000 borrowed based on maximum term |
0 - 60 months | 6.25% APR | $19.45 |
61-72 months | 6.50% APR | $16.81 |
73-84 months | 7.00% APR | $15.10 |
85-96 mos 2018 | 8.25% APR | $14.27 |
97-108 mos 2019 | 9.00% APR | $13.55 |
109-120 mos 2020+ | 9.50% APR | $12.94 |
APR = Annual Percentage Rate | The APR you receive is based on your credit worthiness and the term of your loan | ||
*These rates are subject to change depending on the year of the vehicle. |
Secured Toy Loans | ||
Effective Date: Wednesday, October 8th, 2025 | ||
Term | Annual Percentage Rate | Sample Payment Amount monthly per $1,000 borrowed based on maximum term |
0 - 60 months | 7.00% APR | $19.81 |
61 - 72 months | 7.25% APR | $17.18 |
73-84 months | 7.75% APR | $15.47 |
85-96 months | 8.00% APR | $14.14 |
97-108 months | 8.25% APR | $13.15 |
109-120 months | 8.50% APR | $12.41 |
APR = Annual Percentage Rate | The APR you receive is based on your credit worthiness and the term of your loan | ||
*120 months has a $30,000 minimum purchase price. |
Unsecured Loans - We Can Help! | ||
Effective Date: Wednesday, October 8th, 2025 | ||
Term | Annual Percentage Rate | Sample Payment Amount monthly per $1,000 borrowed based on maximum term |
0 - 36 months | 9.50% APR | $32.05 |
37 - 48 months | 10.50% APR | $25.62 |
49 - 60 months | 11.50% APR | $22.01 |
61-72 months | 13.75% APR | $20.49 |
PR = Annual Percentage Rate | The APR you receive is based on your credit worthiness and the term of your loan |
Buck$ and Dough "No Credit Check" Loan Special | |||
Effective Date: Oct. 1 thru Dec. 30 | |||
Term | Interest Rate / APR* | Application Fee | Sample Payment Amount monthly per $1,100 borrowed based on maximum term |
11 months | 18% / 18% | $0 | $100.90 |
$1,500 maximum limit available to Members whom have successfully paid off their Buck$ and Dough Loan from last year's promotion. | |||
*APR = Annual Percentage Rate | No other discounts apply | |||
LOAN SPECIAL REQUIREMENTS | |||
1. Provide 4 months verifiable full direct deposit | |||
2. Be in good standing with us for the previous 4 months |
Deposit Rates
Certificate Account Rates | |||
Effective Date: Wednesday, October 8th, 2025 | |||
Term | Min. Deposit | Annual % Yield | Dividend Rate |
3 Month |
$1,000.00 | 2.01 APY | 1.99 |
6 Month |
$2,500.00 | 2.55 APY | 2.53 |
10 Month | $1,000.00 | 4.00 APY | 3.94% |
10 Mo Certificate Account will auto renew to 1 year Certificate Account Term and Current Rate | |||
12 Month |
$500.00 | 2.65 APY | 2.62% |
18 Month |
$500.00 | 2.70 APY | 2.67 |
24 Month** |
$5,000.00 | 2.75 APY | 2.72 |
**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. | |||
36 Month |
$1,000.00 | 2.85 APY | 2.82 |
48 Month*** |
$5,000.00 | 2.95 APY | 2.92 |
***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. | |||
60 Month | $500.00 | 3.15 APY | 3.11% |
IRA Certificate Rates | |||
Effective Date: Wednesday, October 8th, 2025 | |||
Term | Min. Deposit | APY* | Dividend Rate |
1 Year Traditional | $1,000.00 | 2.50 APY | 2.50 |
5 Year Traditional | $1,000.00 | 1.75 APY | 1.75 |
1 Year Roth | $1,000.00 | 2.50 APY | 2.50 |
5 Year Roth | $1,000.00 | 1.75 APY | 1.75 |
IRA Certificates: No adds | 3 month penalty | Automatic renewal | Dividends Compound | |||
*APR = Annual Percentage Rate | APY = Annual Percentage Yield | Rates subject to change without notice | |||
Fees may reduce the earnings on account | Early withdrawal penalty will or may be imposed |
Savings Rates | ||
Effective Date: 10/01/2025 | ||
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 4th quarter ending December 31st, 2025 & posting January 1st, 2026 are: | ||
Primary Share (savings) Minimum Balance = $5.00 | 0.10% APY | 0.10% |
Checking / Share Draft | 0.10% APY | 0.10% |
Open Share IRA | 0.50% APY | 0.50% |
Escrow / Sub Share | 0.10% APY | 0.10% |
Premier Business Account | $10,000 minimum daily balance required | 0.10% APY | 0.10% |
Holiday Club | 0.15% APY | 0.15% |
MONEY MARKET | ||
If Your Balance Is | ||
$25,000 - $99,999.99 | 1.71% APY | 1.70% |
$100,000 - $249,999.99 | 1.87% APY | 1.85% |
$250,000 or Greater | 2.02% APY | 2.00% |
APY = Annual Percentage Yield | APR = Annual Percentage Rate |
Fees can reduce the earnings on share accounts
Certificate rates are subject to change on a daily basis and not all compound interest.
All rates subject to change without notice as determined by the Credit Union Board of Directors