Share TypeAPR*APY**Notes
Share Account0.03%0.03%Min. balances $50.00 - $5,000.00
 0.10%0.10%$5,001.00 - $25,000.00
 0.20%0.20%$25,001.00 - $40,000.00
 0.30%0.30%$40,001.00 and up.
IRA Accounts0.20%0.20% 
Christmas Clubs0.20%0.20% 
   Effective date: 01/01/2016

*APR = Annual Percentage Rate
**APY = Annual Percentage Yield

Withdraw requests are limited to one per month. A second request will be granted only in a case of emergency. In the event of excessive withdraws, a review will be done to determine the nature of the withdrawls and a final notice will be given to the member, in writing or verbal, if the withdrawals are not warranted. If additional withdrawal requests continue, the member's payroll deduction into their shares will be canceled.

Note: Same day check requests must be submitted no later than 2 hours prior to closing.

Christmas Clubs: Interest will be calculated at time of check distribution(November 1). Early withdrawal will forfeit all interest earned.

Loan TypeTermAPR*Notes
New Vehicle36 Months2.0%$50,000 maximum
 48 Months2.5%New Car Special Rate Offer
 60 Months2.9%New Car Special Rate Offer
 72 Months3.5%New Car Special Rate Offer
DEMO 36 Months3.0%2015-2017 $50,000 maximum
 48 Months3.5%Under 15,000 miles
 60 Months4.0% 
 72 Months4.5% 
Used Vehicles24 Months4.0%2013 - 2016 $40,000 maximum
 36 Months4.5% 
 48 Months5.0 
 60 Months5.5% 
Used Vehicles24 Months4.5%2010-2012 $30,000 maximum
 36 Months5.0% 
 48 Months5.5% 
 60 Months6.0% 
CALL FOR OLDER VEHICLES************************************************
LOAN SPECIAL12 Months4.0%$1,000 max. - Payroll Deduction
LOAN SPECIAL12 Months5.0%$1,000 max. - Monthly Payments
Fully Covered Shares12-24 Months2.0%Using Members Shares
Fully Covered Shares36 Months2.5%Using Members Shares
Fully Covered Shares48 Months3.0%Using Member Shares
Fully Covered Shares60 Months3.5%Using Member Shares
Signature Loan12 Months9.00% $5,000 maximum
 24 Months10.00% 
 36 Months11.00% 
 48 Months12.00% 
   Effective Date: 1/1/2017

Visa Credit Card current rate: 12.99%

*APR = Annual Percentage Rate

All loan requests are subject to review and approval of the Credit Committee.
All rates are subject to change.

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