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AUTO RATES 
Effective Date: July 7, 2020

*APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type.
 Loan Type Year/Amount Term *APR
 New Automobiles 2019-2020 up to 72 months as low as *2.99%
 New Automobiles 2019-2020 up to 84 months as low as *3.99%
 Used Automobiles 2013-2018 up to 60 months as low as *3.99%
 Used Automobiles 2012 & older up to 36 months as low as *4.99%
 Motorcycles/Motorhomes Travel Trailers/5th Wheels Boats under $50,000 max 120 months as low as *3.25% - *4.75%
 Motorcycles/Motorhomes Travel Trailers/5th Wheels Boats over $50,000 max 144 months as low as *3.25% - *4.75%
 Jet Ski/ATV/Snowmobile $0-$2,500 max 24 months as low as *3.49% New - *4.49% Used
 Jet Ski/ATV/Snowmobile $2,501-$5,000 max 36 months as low as *3.49% New - *4.49% Used
 Jet Ski/ATV/Snowmobile $5,001 and over max 48 months as low as *3.49% New - *4.49% Used
   
 
VISA RATES 
Effective Date: July 7, 2020
*APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type.
 Loan Type Amount Term *APR
 Visa Classic $6,000 max per member 25 day grace & No annual fee 12.84%
 Visa Gold $12,000 max per member 25 day grace & No annual fee 9.50%
   
 
HOME LOAN RATES 
Effective Date: July 7, 2020
*APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type.
 Loan Type Year/Amount Term *APR
 Home Equity Call us  Line of credit - payments calculated at $100 per $10,000 Call us
 Home Improvement $15,000 per signature max 120 months as low as *9.99%
 1st Mortgage 80% of appraised value 15-year fixed Call us
 2nd Mortgage Call us 15-year fixed Call us
 3 year ARM Call us Variable Call us
 5 year ARM Call us Variable Call us
   
 
OTHER RATES 
Effective Date: July 7, 2020
*APR = Annual Percentage Rate. APR may be higher based on members credit qualifications and loan type.
 Loan Type Year/Amount *APR
 Line of Credit $3,5000 per member as low as *8.99%
 Certificate Secured Loan   CD Rate +3%
 Share Secured Loan   3.25%
 Personal Loan UP TO $5,000  
  12-36 months as low as *5.49%
  37-60 months as low as *6.49%
61-120 months as low as *7.49%
 Personal Loan UP TO $10,000
12-36 months as low as *6.49%
37-60 months as low as *7.49%
61-120 months as low as *8.49%
   
 
SHARE RATES
 
SHARES 
Effective Date: July 7, 2020
*APR = Annual Percentage Rate. **APY = Annual Percentage Yield. Amount Includes Young Investors and Christmas Club Accounts. Rates paid for last quarter dividend. Rates are not guaranteed for future periods.
 Amount *APR **APY
 $5.00 - $4,999 0.05% 0.05%
 $5,000 and over 0.10% 0.10%
   
 
SHARE CERTIFICATES
Effective Date: July 7, 2020
**APR = Annual Percentage Rate. **APY = Annual Percentage Yield.
 Term Minimum Deposit *APR **APY
 6 months $1,000.00 0.40% 0.40%
 12 months $1,000.00 0.60% 0.60%
 24 months $1,000.00 0.70% 0.70%
 36 months $1,000.00 0.80% 0.80%
 48 months $1,000.00 0.90% 0.90%
 60 months $1,000.00 1.00% 1.00%
   
 
IRA SHARE 
Effective Date: July 7, 2020
**APR = Annual Percentage Rate. **APY = Annual Percentage Yield. Rates paid for last quarter dividend. Rates are not guaranteed for future periods.
 Amount *APR **APY
 $0 - $24,999 0.25% 0.25%
 $25,000 and over 0.50% 0.50%
   
    NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.
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