Rates

Loan Rates

Auto Rates
Effective Date: Wednesday, April 8th, 2020
Loan TypeYear/AmountTermAnnual Percentage Rate (APR)
*New Automobiles 2019 - 2020 up to 72 months as low as 3.99%
*New Automobiles 2019 - 2020 up to 84 months as low as 4.99%
*Used Automobiles

2013 - 2018

up to 60 months as low as 4.99%
*Used Automobiles

2012 & older

up to 36 months as low as 5.99%
*Motorcycles/Motorhomes
 Travel Trailers/5th Wheels
 Boats
under $50,000 max 120 months as low as 4.25%-5.75%
*Motorcycles/Motorhomes
 Travel Trailers/5th Wheels
 Boats
over $50,000 max 144 months as low as 4.25%-5.75%
*Jet Ski/ATV/Snowmobile $0-$2,500 max 24 months
as low as 5.49% New
6.49% Used
*Jet Ski/ATV/Snowmobile $2,501-$5,000 max 36 months as low as 5.49% New
6.49% Used
*Jet Ski/ATV/Snowmobile $5,001 and over max 48 months as low as 5.49% New
6.49% Used
*APR = Annual Percentage Rate.  APR may be higher based on members credit qualifications and loan type.

VISA Rates
Effective Date: Wednesday, April 8th, 2020
Loan TypeAmountTermAnnual Percentage Rate (APR)
VISA Classic $6,000 max per member 25 day grace and NO annual fee 12.84%
VISA Gold $12,000 max per member 25 day grace and NO annual fee 9.50%

Home Loan Rates
Effective Date: Wednesday, April 8th, 2020
Loan TypeYear/AmountTermAnnual Percentage Rate (APR)
Home Equity Call Credit Union

Line of Credit - Payments calculated at $100 per $10,000

Call Credit Union
*Home Improvement

$15,000 per signature

max 120 months as low as 9.99%
1st Mortgage

80% of appraised value

15 year fixed rate Call Credit Union
2nd Mortgage Call Credit Union 15 year fixed rate Call Credit Union
3 yr ARM Call Credit Union Variable Call Credit Union
5 yr ARM Call Credit Union Variable Call Credit Union
*APR = Annual Percentage Rate.  APR may be higher based on members credit qualifications and loan type.

Other Rates
Effective Date: Wednesday, April 8th, 2020
Loan TypeYear/AmountAnnual Percentage Rate (APR)
Line of Credit $3,500 per member as low as 10.99%
Certificate Secured Loan   CD Rate + 3%
Share Secured Loan   6.50%
*Personal Loan Up to $5,000.00  
  12 - 36 months as low as 6.49%
  37 - 60 months as low as 7.49%
  61 - 120 months as low as 8.49 %
*Personal Loan Up to $10,000.00  
  12 - 36 months as low as 7.49%
  37 - 60 months as low as 8.49%
  61 - 120 months as low as 9.49%
*APR = Annual Percentage Rate.  APR may be higher based on members credit qualifications and loan type.

Share Rates

Shares
AmountAnnual Percentage Rate (APR)Annual Percentage Yield (APY)
$5.00 - $4,999 0.05% 0.05%
$5,000 and over 0.15% 0.15%

*Includes Young Investors and Christmas Club Accounts.

Rates paid for last quarter dividend. Rates are not guaranteed for future periods.

Share Certificates
TermMinimum DepositAnnual Percentage Rate (APR)Annual Percentage Yield (APY)
6 Months $1,000.00 0.40% 0.40%
12 Months $1,000.00 0.70% 0.70%
24 Months $1,000.00 1.00% 1.00%
36 Months $1,000.00 1.15% 1.15%
48 Months $1,000.00 1.25% 1.25%
60 Months $1,000.00 1.50% 1.50%

IRA Shares
AmountAnnual Percentage Rate (APR)Annual Percentage Yield (APY)
$0 - $24,999 0.30% 0.30%
$25,000 and over 0.55% 0.55%

Rates paid for last quarter dividend. Rates are not guaranteed for future periods.

 

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Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act