Rates
The rates shown are as of .Rates are subject to change without notice.
LOAN RATES |
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| Description | Maximum Term | Annual Percentage Rate |
| New Vehicle | up to 84 months | *5.25% to 15.50% |
| Used Vehicles | up to 84 months | *6.25% to 16.50% |
| New RVs | up to 84 months | *5.25% to 15.50% |
| Used RVs | up to 60 months | *6.25% to 16.50% |
| New Boats, Motors & Trailers | up to 144 months | *5.25% to 15.50% |
| Used Boats, Motors & Trailers | up to 120 months | *6.25% to 16.50% |
| New Motorcycles | up to 60 months | *5.25% to 15.50% |
| Used Motorcycles | up to 48 months | *6.25% to 16.500% |
| Signature Loan | up to 60 months | *8.25% to 18.00% |
Max limit on signature is $6,500.00 or 1.5x the gross monthly income.
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| Overdraft Protection | *12.00% to 18.00% | |
| Share Secured Loan | up to 60 months | 2.00% above the share rate |
| 61 to 120 months | 3.00% above the share rate | |
100% share secured
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| Half Share and Half Signature Loan | 11.00% | |
50% share secured
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| Line of Credit | up to 36 months | 18.00% |
Fixed
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| Life Insurance Secured | up to 60 months | 9.00% |
| Stock/Equities Secured | up to 60 months | 9.00% |
| Share Certificated Secured | 2.00% above index | |
3.00% above the yield on the certificate. (Rate changes at the time the certificate is renewed)
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| Line of Credit (Variable) | 5.00% above index | |
Prime-subject to change quarterly. Rate set 15 days prior to beginning of each quarter. CAP-NCUA allowable, $3.00 per hundred. **RATE IS NOW 8.25%
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| Home Equity Line of Credit | 1.00% above the WSJ Prime | |
The first year we discount 1.25%. (Prime rate is subject to change yearly. Rate is set 30 days prior to July1st) THE RATE NOW IS 3.00% FOR THE FIRST YEAR.
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| Construction Loan | 12 months maximum | 11.50% |
*The ANNUAL PERCENTAGE RATE (APR) may vary depending upon your creditworthiness. Please ask a loan officer for detailed information.
SHARE RATES |
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| Account Type | Balance | APR* | APY* |
| Savings | $200.00 - above | 0.25% | 0.25% |
| IRA Deposit | 0.50% | 0.50% | |
| Draft | 0.00% | 0.00% | |
| Club I | 0.25% | 0.25% | |
| Club II | 0.25% | 0.25% | |
| Club X | 0.25% | 0.25% | |
*APR=Annual Percentage Rate - APY=Annual Percentage Yield
CERTIFICATE RATES |
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| Term (Months) | Minimum Amount to Open | Penalty for Early Withdrawal | Dividend Rate | APY* |
| 3 months | $500.00 | 30 days interest | .40% | .40% |
| 6 months | $500.00 | 30 days interest | .45% | .45% |
| 12 months | $500.00 | 90 days interest | .50% | .50% |
| 18 months | $500.00 | 90 days interest | .60% | .60% |
| 24 months | $500.00 | 90 days interest | .75% | .75% |
| 36 months | $500.00 | 90 days interest | 1.20% | 1.21% |
| 48 months | $500.00 | 90 days interest | 1.30% | 1.31% |
| Long Term - 60 months |
$500.00 | 365 days interest | 1.75% | 1.76% |
*APY=Annual Percentage Yield
YOUR SAVINGS FEDERALLY INSURED TO $250,000.00 BY THE NCUSIF (NATIONAL CREDIT UNION SHARE INSURANCE FUND) Certificate IRAs are available at the above rates. Subject to change.
IRA Share Deposit Dividend Rate: compounded monthly
Savings Dividend Rate: compounded quarterly
PLEASE CALL (757) 887-2452 (MAIN OFFICE) FOR ADDITIONAL INFORMATION.
YOUR SAVINGS FEDERALLY INSURED TO $250,000.00 BY THE NCUSIF (NATIONAL CREDIT UNION SHARE INSURANCE FUND) Certificate IRAs are available at the above rates. Subject to change.
IRA Share Deposit Dividend Rate: compounded monthly
Savings Dividend Rate: compounded quarterly
PLEASE CALL (757) 887-2452 (MAIN OFFICE) FOR ADDITIONAL INFORMATION.
