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Loan Calculator
Savings Calculator
Mortgage Calculator
| SAVINGS RATES |
| SHARES |
RATE |
YEILD |
|
| *Regular Shares |
0.60% |
0.060% APY |
|
| *Clubs/Vaction |
0.50% |
0.050% APY |
|
| IRA Shares |
1.25% |
1.25% APY |
|
| Share Draft |
0.15% |
0.15% APY |
|
| *Dividend rates based on the last quarter - subject to change quarterly |
| |
| IRA Certificates |
1.25% |
1.25% APY |
|
1 year - Minimum deposit $1,000
|
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| Regular Share Certificates - minimum deposit $1,000 |
| 6 Months |
0.60% |
0.60% APY |
|
| 12 Months |
0.80% |
0.80% APY |
|
| 15 Months |
1.00% |
1.00% APY |
|
| 18 Months |
1.00% |
1.00% APY |
|
| *Certificate Rates are subject to change without notice |
| APY = Annual Percentage Yield |
| NEW AND USED VEHICLES |
| MAXIMUM: LIST PRICE OF VEHICLE |
| CREDIT SCORE |
1-3 YEARS |
4-6 YEARS |
| A+ 730 & above |
4.99% APR |
5.49% APR |
| A 680-729 |
5.49% APR |
5.75% APR |
| B 679-640 |
6.49% APR |
7.00% APR |
| C 639-600 |
9.99% APR |
10.74% APR |
| D 599-560 |
12.00% APR |
13.00% APR (5 Years) |
| E 560 & UNDER |
14.00% APR |
15.00% APR (5 Years) |
| USED: 5 years if value is $10,000 |
| New & 2 years old; 6 years if value is $18,000. |
| |
| NEW AND USED
RECREATIONAL VEHICLE |
| Max 90% |
| |
24 MONTHS |
36/48 MONTHS |
60 MONTHS |
| A+, A |
8.00% APR |
9.00% APR |
10.50% APR |
| B |
9.00% APR |
10.00% APR |
11.50% APR |
| C |
11.00% APR |
12.00% APR |
12.50% APR |
| D&E |
N/A |
N/A |
N/A |
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| RV MOTOR HOMES |
| |
1-6 YEARS |
7-10 YEARS |
|
| A+, A |
8.00% APR |
9.00% APR |
|
| B |
8.75% APR |
9.25% APR |
|
| C |
11.00% APR |
12.00% APR |
|
| D&E |
N/A |
N/A |
|
UNSECURED LINE OF CREDIT & CLOSED
END
A+ 3X monthly income up to $15,000
A 3X monthly income up to $8,000
B 3X monthly income up to $7,000
C 2X monthly income up to $6,000
D 1X monthly income up to $4,000
E 1X monthly income up to $3,000
RATES – OPEN LOC & CLOSED UNSECURED
A 8.50%
APR
B 9.00%
APR
C 13.00%
APR
D 16.00%
APR
E 18.00%
APR
DEBT CONSOLIDATION
- 3 YEARS
Maximum $5,000 SEE UNSECURED RATES
SHARE SECURED 4.25%
APR
OTHER ACCEPTABLE COLLATERAL
A & B 8.00%
APR
C, D & E 10.00%
APR
Maximum 5 years
HOME EQUITY – LINE OF CREDIT
Maximum $100,000.00
OPEN END- 15 YEARS
A-B 90% OF EQUITY
C, D & E 75% OF EQUITY
Variable rate Semi-annually
Prime + 0%
Credit Union to pay closing costs
HOME EQUITY- CLOSED- 10 YEARS
Maximum $50,000- Prime + .50%
Member pays fees
MANUFACTURED HOMES
If on land owned by the borrower- mortgage
Non-owned land- Mobile home loan
MOBILE HOME (IN PARK)
- 10 YEARS
Maximum amount $40,000
A+, A & B 90% of appraised value 8.50% APR
C, D & E 75% of appraised value
10.00% APR
APPRAISAL REQUIRED ON LETTERHEAD
VISA CREDIT CARD
| A+, A & B |
8.99% APR |
| C, D & E |
12.99% APR |
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| APR = Annual Percentage Rate |
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