Rates

Loan Rates Vehicle Loans Home Loans Savings/Share Rates Certificate Rates

Loan Rates
APR refers to the annual percentage rate or the dividend rate.
Shares or Certificates Secured Loans
Term	Rate		APR TYPE
24 months	2.50%	100% equity required	Fixed
36 months	2.50%	100% equity required	Fixed
48 months	2.50%	100% equity required	Fixed
60 months	2.50%	100% equity required	Fixed

Variable Rate Loans
Rate Description	Rate	Term	APR TYPE
Share Draft Overdraft Reserve	10.49%	Approximately 42 Months	Variable
Line of Credit/Signature	10.49%	Approximately 42 Months	Variable
The Annual Percentage Rate (APR) for advances and existing balances will change on the 1st day of each quarter (January, April, July, October) to reflect any change in the index which is the Prime Rate as published in the Wall Street Journal. To calculate the new rate, we will use the most recent value available to us ten days before the date of any annual percentage rate adjustment plus the applicable percentage shown in the “Percent Above Index” column above. The APR will never be less than the rate shown in the “Minimum APR” column above nor greater than 15.00% or the maximum rate allowed by state law or the NCUA from time to time, whichever is less. Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid.

Members should call the credit union to verify rates. Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.