Loan Information |
APR |
Signed purchase agreement including VIN number and insurance binder with proof of collision required.
Proof of income also required. |
NEW & USED AS LOW AS 1.99% |
Secured Loans
Loan Type |
APR |
| Share Secured |
as low as 3.00 |
| Other Secured |
as low as 5.50 |
Unsecured Loans
Boat Loans
Boat Loan Information* |
APR |
Signed purchase agreement and insurance binder required.
Proof of income also required. |
New - AS LOW AS 4.99
Min. Payment $150.00
Used - AS LOW AS 5.49 |
Recreational Vehicle Loans
Non-Driveable Vehicle Information* |
APR |
Signed purchase agreement and insurance binder required.
Proof of income required. |
New - AS LOW AS 4.99
Min. Payment $150.00
Used - AS LOW AS 5.49 |
(Subject to change weekly)
Loan Type |
APR |
| *30 Year Fixed 85% LTV Mortgage |
4.43 |
| *30 Year Adj. 95% LTV Mortgage |
3.85 |
| *15 Year Fixed 90% LTV Mortgage |
3.75 |
| *15 Year Adj. 80% LTV Mortgage |
2.88 |
*Above require PMI (Private Mortgage Insurance)
PMI not required when LTV is 80% or less
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Share Certificates
Share Certificates are paid dividends on the last business day of the month, as per the terms of the individual certificate. Share Certificate rates, for new purchases, change weekly. Share Certificates have a minimum deposit of $500.00. A penalty may be imposed for early withdrawal.
Share Certificate Term |
Dividend Rate |
Annual Percentage Yield |
| 3 Months |
0.15 |
0.15 |
| 6 Months |
0.25 |
0.25 |
| 9 Months |
0.40 |
0.40 |
| 12 Months |
0.50 |
0.50 |
| 24 Months |
0.75 |
0.75 |
| 36 Months |
1.00 |
1.00 |
Dividends
Our Board of Directors set the dividend rates quarterly. Dividends are paid to all savings accounts and club accounts on the last business day of March, June, September and December.
Account |
Annual Percentage Yield |
| Primary Share Account* |
0.15 |
| Secondary Savings 3 |
0.15 |
| Secondary Savings 5 |
0.15 |
| Christmas Club** |
0.5 |
| Vacation Club*** |
0.5 |
| Bond-A-Month Club |
0.5 |
| Share Draft Account (Checking) |
Not an interest bearing account |
* Minimum balance requirement for primary savings ($5.00)
** Christmas Club (12 month acct) renews annually on October 1st.
*** Vacation Club (12 month acct) renews annually on July 1st.
Fees may reduce earnings on accounts and rates may change after the account is open. Dividends will be forfeited if the Member closes the account before accrued dividends are credited. Please visit the "fee and free service schedule" for fees associated with these accounts.
All rates are subject to change.
All loans are subject to approval.
Contact Loan Department personnel for details and restrictions
* Rates and terms determined by value of collateral, not by amount financed.
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