Rates & Fees

Interest Bearing Account Rates as of September 30, 2016
Type of Account APR = Annual Percentage Rate APR = Annual Percentage Yield Effective Date: Fees could reduce earnings on all accounts
Shares* .10% .10% Anticipated: $25 to $24,999.99
  .30% .30% Anticipated: $25,000 and up.
Christmas* .10% .10% Anticipated: One withdrawal per qtr.
Each additional withdrawal is $5.
Vacation* .10% .10% Anticipated: One withdrawal per qtr.
Each additional withdrawal is $5.
* Rates are for the quarter ending 6/30/13.
Share Certificates APR APY $500 Minimum Dep.
6 Months .30% .30% Effective. 3/31/2016
12 Months .50% .50% Effective. 3/31/2016
24 Months .65% .65% Effective. 3/31/2016
36 Months .90% .90% Effective. 3/31/2016


Loan Rates
Loan rates as of Sep. 30, 2016
Terms
Annual Percentage Rate
New Cars & Trucks: Up to 60 months 2.00% to 6.00% APR**
Up to 100% of purchase price, as per sales agreement 72 months 3.00% to 7.00% APR**
Can not include tags, tax, destination charges or extended warranties
Used Cars and Trucks up to 2 years old. Up to 60 months 3.50% to 7.50% APR**
Up to100% of NADA Clean Retail value 72 months if over $20,000 4.00% TO 8.00% APR**
Used Cars and Trucks over 2 years old Up to 60 months 4.00% to 8.00% APR**
Up to100% of NADA Clean Retail value 72 months if over $20,000 4.50% TO 8.50% APR**
Used Car pledge: 80% NADA Clean Retail Value > 8 years old Same as used cars 6.00% to 10.00% APR**
90% NADA Clean Retail < 8 years old
New RVs/Boats/Trailers: 80% of NADA Suggested List / High Value or 80% of Dealer Sheet, whichever is less. Same as new cars New car + 2.50% APR**
Used RVs/Boats/Trailers: 100% of NADA Used wholesale / Average Value or 100% of Dealer Sheet, whichever is less. Same as used cars Used car + 1.50% APR**
New and Used Motorcycles / ATVs: New - 65% of NADA Suggested List. Up to 60 months New car + 2.50%APR**
Used - 65% of NADA Average Retail. Both 65% of purchase price or NADA, whichever is less Up to 60 months Used car + 1.50% APR**
* All rates are for payroll deduction rates.  Add .25% if not on payroll deduction.


Loan Rates - Continued
Loan rates as of Mar. 31, 2016
Terms
Annual Percentage Rate

New Equipment Same as New Cars New + 2.50% APR**
Value must be greater than $1000: Up to 100% of Value on Dealers Bill of Sale.  A UCCI will be filed.
Used Equipment Same as signature loan Same as signature APR**
Mobile Homes
With Mobile Home and members' lot placed as security. Up to 80% of appraised value of the Mobile Home & lot. Up to 120 months. 5.25% to 9.25% APR **
All other cases: Up to 80% of appraised value of the Mobile Home Up to 120 months. 10.00% to 14.00% APR **
Real Estate: Up to 120 months. 5.00% APR
Max amount $100,000, First Deed 90% of appraised value.
Second Deed: Combined total of 1st and 2nd deeds can not exceed 80% of current (within 60 days) appraised value. 75% of current tax appraisal.
Signature Loans: Up to $1999 24 Months 10.00% to 14.00% APR **
$2000 - $3999 36 Months 11.00% to 15.00% APR **
$4000 - $7000 48 Months 12.00% to 16.00% APR **
Open Ended: This is included in the max. amount of $7000 on all Signature loans. 4.75% over Prime (3.25%) 8.25% APR
Educational: Include Bill with Application.  Check is made to the school, and loan amount is included in the max. amount of $7000 on all signature loans. Up to 60 Months 6.50% to 10.50% APR **
Share secured: Up to 72 Months 2.75% APR
CD secured: Rate changes when CD rate changes Up to 72 Months CD rate + 1.75% APR
*   All rates are for payroll deduction rates.  Add .25% if not on payroll deduction.
** Rates are based on an evaluation of applicant's credit.  Your actual APR will be disclosed at the time of loan approval.  Not all applicants will qualify for the lowest rate.